Clemans Housing Network, LLC

05/13/2025

🙋🏻‍♀️ “Will a mortgage credit check hurt my score?”⁉️

I get this question all the time—and the answer might surprise you.

Getting pre-approved can cause a small dip in your score, but that temporary drop isn’t something to worry about. I can show you several ways to prepare and improve your score before applying for a mortgage. And In most cases, the score can be repaired before the transaction even closes.

Check out my latest blog to learn more:
📊 How your credit score impacts your mortgage rate
🎯 Simple steps to boost your score
👀 What really happens when we run your credit

📲

If you're planning to buy a home in California—especially in competitive markets like San Diego—your credit score plays a critical role in the mortgage rate you qualify for. Whether you’re a first-time homebuyer or looking to refinance, understanding how your credit score affects your mortgage...

04/17/2025

North County San Diego has always drawn a different kind of dreamer—entrepreneurs, artists, small business owners, remote workers, and retirees chasing the coastal lifestyle. It’s a creative balance between bills and the beach, where side gigs, roommates, and other non-traditional living solutions have become the norm to make a life with more sunshine and freedom possible.

With the high cost of living and an expensive real estate market, it’s understandable that for many locals, owning a home in North County can feel out of reach.

A non-QM loan could be the solution you didn’t know existed, if you're self-employed, run your own business, or just have a unique financial picture.

We break down the benefits of this flexible mortgage option in our latest blog:
👉 https://clemanshousingnetwork.com/education/why-more-north-county-san-diego-buyers-are-turning-to-non-qm-loans/

At Clemans Housing Network, I specialize in helping self-employed borrowers, joint mortgage applicants, and home buyers with unique situations, who don’t fit cookie-cutter lending guidelines.

📞 Let’s talk about your situation—homeownership might be closer than you think!

If you're a self-employed professional, freelancer, or someone with a unique financial situation looking to buy a home in North County San Diego, you're not alone—and you're not out of luck. As traditional mortgage guidelines tighten, more local buyers are exploring non-QM mortgage options to help...

04/11/2025

📬 I’m re-launching my monthly newsletter!

With so much uncertainty recently, staying connected and being able to have conversations with people you trust is more important than ever.

I want to be that person for you on your homeownership journey.

Our newsletter is a resource created for clients, colleagues, and partners who want to stay informed about mortgage trends, homebuyer tips, and industry insights.

In this month’s edition:
💰Tax Deductions that HELP your qualifying income.
🏠 Market timing insights you can actually use.
👶 A special life update from Michelle and I.

Read the April Newsletter here 👉
https://drewsoper.activehosted.com/index.php?action=social&chash=4e732ced3463d06de0ca9a15b6153677.40&s=6647c5c28f25ab14c1069e433336dd06

Want updates delivered right to your inbox each month? 📩 Subscribe here: https://clemanshousingnetwork.com

Big news, timely resources,...

04/07/2025

TAX POP QUIZ! What expenses can actually be added back to your income when your mortgage loan application is underwritten??

Answers, as well as more insights on how your taxes can impact your mortgage options, are in our latest blog.

If you haven't already filed, and want to do a quick call to learn if you're making good tax decisions for your mortgage, don't hesitate to reach out.

As I'm sure you're aware, the April 15 tax deadline is fast approaching. What you might not have considered is how your tax return could impact your future homeownership goals. At Clemans Housing Network, we're dedicated to helping first-time homebuyers and current homeowners across Southern Califor...

03/21/2025

Wondering if now is the right time to buy a home in San Diego? 🏡💰

The latest news from the Fed, and our area's competitive market makes deciding when to buy challenging. While market trends are important, your personal circumstances and long-term plans should guide your decision.

If you're on the fence, our latest blog breaks down market trends and key questions to consider before making your move.

Check it out here:

If you're thinking about buying a home in San Diego, you're probably asking yourself: ✅ Are home prices going up or down? ✅ Should I wait for mortgage rates to drop? ✅ Is it better to rent or buy right

03/14/2025

Planning to buy a home in our current uncertain market it tough. 🏡 Before you go straight to your bank to check rates and see if you qualify for a mortgage, it’s important to know you have other resources!

Independent mortgage lenders, like me, can offer more flexibility, competitive rates, and a personalized approach that banks often can’t match. But is working with one the right choice for you?

Our latest blog breaks it all down, helping you understand the pros and cons of each option.

💡 No matter where you are in your home-buying journey, Drew, Senior Mortgage Loan Officer and co-founder of Clemans Housing Network, LLC, is here as a resource to answer your mortgage questions and help you make informed decisions. Reach out anytime!

When it comes to securing a mortgage, choosing the right lending partner can make all the difference. As an independent mortgage lender, I offer a level of flexibility, personalization, and speed that most banks simply can’t match. Here Are 6 Reasons Why Working With an Independent Lender Could Be...

08/26/2024

Waiting for to drop? 👇🏼👇🏼

We've added a resource to our website to help you monitor trends. 📉 https://clemanshousingnetwork.com/

Here's how to understand the numbers:

✅ Rate Indices (First Tab):
This tab displays the fluctuations in mortgage rates over the last 30 days for different mortgage types. This is a quick view of the recent past, I highly recommend looking at long term trends as well (Third Tab).

✅ Credit Score and Loan-to-Value (Second Tab):
This tab illustrates how mortgage rates vary based on your credit score and Loan-to-Value ratio (LTV), which is the ratio of your loan amount to the value of your property. Use this tab to understand how different factors might influence your potential rate.

✅ Loan Types (Third Tab):
Here, you can explore rate trends for various loan types over different time periods: 30, 90, 180, and 365 days. This will help you see how rates for different loan types have evolved over time.

Questions about the recent rate trends, and what it means for you? I’m here to provide you with a same-day personalized rate quote and answer any questions you may have. Give me a call at 858-261-9705.

Drew N. Clemans (Soper), MLO - NMLS 1728438

Clemans Housing Network LLC is a family owned and operated “boutique” for all housing and real estate needs located in Southern California. We are a one-stop shop that provides real estate resources such as brokering, buying, and refinancing.

06/20/2024

💪🏼Bringing all the background work to the forefront👀 -- In my first blog, I (Michelle Clemans - Clemans Housing Network, LLC's co-owner) am giving you a complete guide to planning, and purchasing your first property!

Sprinkled with fun personal experiences and insights, I wrote this guide for anyone who wants some ✨inspiration✨ on how to make their homeownership dreams a reality!

💕- Michelle

Are you someone who’s either thinking about, dreaming of, or ready to start the process of buying your very own piece of land? As a family-owned business at Clemans Housing Network LLC, my husband and I bring together our extensive knowledge and personal experience in doing just that. While my bri...

06/12/2024

📈 Good news from the CPI ( ) report today! ✅

Inflation is down from April -- News that I've been hoping to hear for almost two years! We are all crossing our fingers that this leads to a drop in rates in the near future.

Mortgage rates are not directly correlated to consumer confidence, but are certainly informed by it. To learn how, check out my recent blog post.

The Consumer Price Index (CPI) is a measure of the average change over time in the prices paid by urban consumers for a market basket of consumer goods and services. Mortgage rates are influenced by a variety of factors, including inflation expectations. The CPI report can indirectly impact mortgage...

04/15/2024

Last week, the U.S. Department of Labor, Bureau of Labor Statistics released its Consumer Price Index report for March 2024. This report indirectly affects mortgage rates. Learn why in my latest blog.

🧐-Drew

The Consumer Price Index (CPI) is a measure of the average change over time in the prices paid by urban consumers for a market basket of consumer goods and services. Mortgage rates are influenced by a variety of factors, including inflation expectations. The CPI report can indirectly impact mortgage...

04/10/2024

📩April Newsletter is out!📩

This month, check out all the ways we've grown:
🌱Literally building our first garden on the homestead.
🌱Expanding our local network with the Bonsall Chamber of Commerce!
🌱Sharing knowledge on the CPI & mortgage rates in our new blog.

03/15/2024

Honored to be a part of this beautiful community. I can't thank you enough, Bonsall Chamber of Commerce!