Borda Mortgage Associates

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Borda Mortgage Associates

Borda Mortgage
Local Lenders Group
NMLS #257773 CA DRE #01291485
Company NMLS #1048641 CA DRE # 01919683

Tisha Borda | 20 Years of Experience | Mortgage Lending Services

10/14/2026

The lock-in effect isn’t just about mortgage rates.

Many California homeowners stay put because moving means their property taxes reset to the new purchase price. If you’ve owned your home for years, that jump can be thousands of dollars a year.

Prop 19 changes that for homeowners 55 and over. You can take your current tax base with you to your new home:

✔️ Move anywhere in California
✔️ Buy up to 2 years before or after you sell
✔️ Use it up to 3 times
✔️ Buy for less, or even for more (the price difference is added to your base)

Here’s one many people don’t know: you can buy your replacement home before you turn 55. What matters is that you’re 55 or older when you sell your original home.

Thinking about downsizing, moving closer to family, or finally getting the home you want? Let’s run your numbers together, payment and property taxes, before you list.

📊 Estimate your savings at proposition19.org

08/05/2026

Amortization can be a beautiful thing once you understand it.

Every fixed rate payment stays the same for 30 years. But what’s inside that payment changes every single month. Early on, you’re mostly paying the bank. Later, you’re mostly paying yourself.

The “crossover point” is the month principal finally beats interest. Your rate decides when that happens:

🔹 2.50% — **2 years, 4 months**
🔹 4.00% — **12 years, 9 months**
🔹 6.00% — **18 years, 7 months**
🔹 7.00% — **20 years, 2 months**

At 6%, that very first payment is 83% interest. Only 17 cents on the dollar touches what you actually owe.

Sounds brutal and it is….but the schedule works both ways. 👇

Here’s the beautiful part: Every extra dollar you send toward principal doesn’t just reduce your balance. It permanently deletes all the future interest that dollar would have carried. You skip ahead in the table. Your crossover point moves *forward*. Your payoff date moves *closer*.

Same payment. Same rate. Different outcome because you understood the math.

💡 **Ways to use it:**
▪️ One extra payment a year
▪️ Round up to the next hundred each month
▪️ Apply a tax refund or bonus straight to principal
▪️ Set up bi-weekly payments with your lender

Want to see what extra payments would do to your loan? Let’s run the numbers. 📲

Chart and post inspiration courtesy of ResiClub

Tisha Borda | Mortgage Broker
NMLS #257773 | 661-330-1424

07/16/2026

It’s not about closing a loan and moving on — it’s about the relationships we build along the way. Some of our favorite moments are watching clients we helped years ago come back to add another property to their portfolio.

That growth over time? That’s our biggest accomplishment. Congratulations on another closing! 🎉🏡

07/10/2026

They say the three most important things in real estate are location, location, location. But sometimes location is more than a smart investment — it’s the life you’ve been dreaming about. Our client wanted to make this move for years and the time was finally right.

Huge congratulations to our client on closing their dream property in Paso Robles w**e country. 🍷 Rolling hills, vineyard views, and mornings that feel like a getaway — except now it’s home. Cheers! I can’t wait to have a 🍷 with you.

06/16/2026

Ready to move up to your forever home but not sure how to get there? 🏡

Every situation is different — and there’s more than one way to make the move. Let’s talk through your options and build a strategy that works for you.

📲 teamborda.com | 661-330-1424

05/15/2026

📢 Update on rates —
Yesterday we shared our weekly rate update and noted that mortgage bonds were holding up surprisingly well despite the hot inflation reports earlier in the week. That post hasn’t aged well.

The hopium that was holding rates steady faded once the China Summit wrapped up yesterday without any meaningful progress on resolving the Iran conflict. Oil prices spiked in response, global bond yields rose, and mortgage rates followed right behind them.

The 30-year fixed rate we are quoting today is about a quarter percent higher than yesterday.

In the current environment rates markets are volatile. We will do our best to keep you informed.

05/14/2026

🔥 It’s Getting Hot In Here-Inflation is running Hotter🔥

April’s CPI came in at 3.8% — higher than last month and higher than expected. Even the “core” reading (which strips out food and energy) ticked up to 2.8%. Energy costs are starting to bleed into everyday prices, and some of that stickiness may linger even if oil pulls back.

💸 Your paycheck may not be keeping up.
Jobs are holding steady — we added 115K in April and unemployment is still at 4.3%. But here’s the catch: wages are only growing at 3.6% while inflation is at 3.8%. That means your real purchasing power just turned negative for the first time in 3 years. More dollars, less stuff.

🏡 What does this mean for mortgage rates?
Surprisingly, rates haven’t spiked much. Bond markets are weighing hot inflation against signs that consumers are starting to pull back on spending — and that tension is keeping rates relatively stable for now. We also have a new Fed Chair stepping in, and markets will be watching closely to see how he handles inherited inflation under a microscope.

Bottom line: It’s a complicated picture, both there are opportunities for buyers and sellers. Get in touch to talk through your options.

04/21/2026

We only had 10 days to step in and close this one— A closing this fast is made possible by an exceptional team that anticipates obstacles with a seamless loan process and made possible by working with Realtors who are absolute pros. 🏡🔑

This is the kind of closing that reminds you why you love what you do. 🙌

📲 teamborda.com

04/17/2026

🛢️ Oil prices don’t just affect what you pay at the pump — they move mortgage rates too. As oil has pulled back, so have rates.📉 Still a way to go to get to pre-war rates— but trending the right direction lately.

Let’s talk about what this means for your purchase or refi.
📞 661-330-1424
🌐 teamborda.com
Chart source: MBS Highway

04/15/2026

⭐⭐⭐⭐⭐ We’re so glad Eduardo found his way to us — and even more glad we could turn it around for him.
Sometimes a second opinion changes everything. Ready to work with a team you can trust? Let’s talk.
📲 661-330-1424
🌐 teamborda.com

Address

5000 California Avenue Suite 208
Bakersfield, CA
93309

Website

http://www.teamborda.com/

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