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Chris Johnson - Your California Loan Pro - NMLS #235072

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Chris Johnson - Your California Loan Pro - NMLS #235072

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At Affinity, our goal is to turn your dreams into reality! We specialize in FHA, VA, USDA, Jumbo, Conventional, Commercial, Reverse, Non-QM, and Bridge Loans.

With over 30 years of experience in real estate sales and mortgage loans, we can meet every real estate or financial need you may have and answer all of your questions in the process. Based in California, Chris Johnson & Affinity Mortgage are trusted mortgage brokers offering a wide range of loan solutions to help you achieve homeownership. Whether you're a first-time buyer or a seasoned investor, we tailor our services to your needs. Serving vibrant communities like San Jose, Campbell, and Los Gatos, our team provides expert guidance and personalized service through every step of the loan process. Trust Affinity Mortgage to help you find the right loan for your goals. Contact us today and let’s make your dream home a reality.

10/31/2026

Come visit this Treat in Gilroy! No Rocks in your bag!

10/30/2026

𝗘𝘃𝗲𝗿𝘆𝗼𝗻𝗲 seems to be asking the same thing right now: 𝗦𝗵𝗼𝘂𝗹𝗱 𝗜 𝘄𝗮𝗶𝘁 𝗳𝗼𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗿𝗮𝘁𝗲𝘀 𝘁𝗼 𝗰𝗼𝗺𝗲 𝗱𝗼𝘄𝗻?

Here is what the numbers say. Nationally, the average 30-year fixed rate was 7.32% as of October 22 (Freddie Mac), and plenty of buyers have pulled back. But here in Santa Clara County, single-family homes were still closing at about 103.6% of list price in September, in roughly 26 days. Condos are softer, and there are more homes on the market than a year ago.

So whether you are buying or selling, the better question may not be "when will rates drop?" It 𝗺𝗮𝘆 𝗯𝗲 "𝙬𝙝𝙖𝙩 𝙙𝙤𝙚𝙨 𝙢𝙮 𝙨𝙞𝙩𝙪𝙖𝙩𝙞𝙤𝙣 𝙡𝙤𝙤𝙠 𝙡𝙞𝙠𝙚 𝙖𝙩 𝙩𝙤𝙙𝙖𝙮'𝙨 𝙧𝙖𝙩𝙚, 𝙖𝙣𝙙 𝙬𝙝𝙖𝙩 𝙖𝙧𝙚 𝙢𝙮 𝙤𝙥𝙩𝙞𝙤𝙣𝙨?" That could mean a seller-paid rate buydown, a realistic price, or a plan to refinance later if rates fall and you qualify.

No pressure, no sales pitch. Just a clear, plain-English look at your numbers.

I put together a short guide for buyers and sellers:
𝗵𝘁𝘁𝗽𝘀://𝗰𝗮𝗹𝗶𝗹𝗼𝗮𝗻𝗽𝗿𝗼.𝗰𝗼𝗺/𝗯𝗹𝗼𝗴/𝗯𝘂𝘆-𝗼𝗿-𝘀𝗲𝗹𝗹-𝗻𝗼𝘄-𝗼𝗿-𝘄𝗮𝗶𝘁-𝗳𝗼𝗿-𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲-𝗿𝗮𝘁𝗲𝘀-𝘀𝗮𝗻𝘁𝗮-𝗰𝗹𝗮𝗿𝗮-𝗰𝗼𝘂𝗻𝘁𝘆-𝟮𝟬𝟮𝟲

Not sure which side of the fence you are on? Send me a message and we will talk it through.

10/24/2026

𝗢𝗽𝗲𝗻 𝗦𝗮𝘁𝘂𝗿𝗱𝗮𝘆 𝟭𝟬/𝟮𝟰! Come out and visit! Great Opportunity!

10/22/2026

𝗧𝗵𝗶𝗻𝗸𝗶𝗻𝗴 𝗮𝗯𝗼𝘂𝘁 𝗯𝘂𝘆𝗶𝗻𝗴 𝗮 𝗰𝗼𝗻𝗱𝗼 𝗶𝗻𝘀𝘁𝗲𝗮𝗱 𝗼𝗳 𝗮 𝗵𝗼𝘂𝘀𝗲? There's one thing that surprises a lot of first-time condo buyers.

With a house, the lender looks at you and the property. 𝗪𝗶𝘁𝗵 𝗮 𝗰𝗼𝗻𝗱𝗼, 𝘁𝗵𝗲𝘆 𝗮𝗹𝘀𝗼 𝗹𝗼𝗼𝗸 𝗮𝘁 𝘁𝗵𝗲 𝗯𝘂𝗶𝗹𝗱𝗶𝗻𝗴. That means the homeowners association's budget, reserves, insurance, and any special assessments or lawsuits all get reviewed, and that can affect whether your loan works.

And 2026 made that review a 𝗹𝗶𝘁𝘁𝗹𝗲 𝘀𝘁𝗿𝗶𝗰𝘁𝗲𝗿. For applications dated on or after August 3, most conventional condo loans now go through a full project review instead of the streamlined version.

𝗧𝗵𝗲 𝗴𝗼𝗼𝗱 𝗻𝗲𝘄𝘀: 𝘆𝗼𝘂 𝗰𝗮𝗻 𝗴𝗲𝘁 𝗮𝗵𝗲𝗮𝗱 𝗼𝗳 𝗶𝘁. Ask for the HOA documents early, check how well the reserves are funded, and have your lender confirm the building is financeable before you fall in love with a unit.

𝗜 𝘄𝗿𝗼𝘁𝗲 𝘂𝗽 𝘁𝗵𝗲 𝗳𝘂𝗹𝗹 𝗯𝗿𝗲𝗮𝗸𝗱𝗼𝘄𝗻, including how FHA, VA, and jumbo loans handle condos and a quick checklist for vetting a building, here: 𝗵𝘁𝘁𝗽𝘀://𝗰𝗮𝗹𝗶𝗹𝗼𝗮𝗻𝗽𝗿𝗼.𝗰𝗼𝗺/𝗯𝗹𝗼𝗴/𝗰𝗼𝗻𝗱𝗼-𝘃𝘀-𝘀𝗶𝗻𝗴𝗹𝗲-𝗳𝗮𝗺𝗶𝗹𝘆-𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴-𝘀𝗮𝗻𝘁𝗮-𝗰𝗹𝗮𝗿𝗮-𝗰𝗼𝘂𝗻𝘁𝘆-𝟮𝟬𝟮𝟲
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Questions about a specific building? 𝗗𝗠 𝗺𝗲 𝘁𝗼 𝗹𝗲𝗮𝗿𝗻 𝗺𝗼𝗿𝗲! 𝙉𝙤 𝙥𝙧𝙚𝙨𝙨𝙪𝙧𝙚, 𝙟𝙪𝙨𝙩 𝙨𝙩𝙧𝙖𝙞𝙜𝙝𝙩 𝙖𝙣𝙨𝙬𝙚𝙧𝙨.

Chris Johnson | Associate Broker | Affinity Mortgage | NMLS #235072 | Affinity Mortgage NMLS #252576

10/17/2026

10/16/2026

Planning to buy a home in the Bay Area? Here is a small thing that makes a big difference: getting your paperwork together before you apply.

Most pre-approval delays come down to a missing statement or a deposit nobody documented. I put together a plain-English checklist of what lenders typically ask for, plus what changes if you are self-employed or paid partly in company stock.

Read the full guide here: https://bit.ly/4s5Yj5V

If you would rather talk it through, I am always happy to help you figure out where to start.

Chris Johnson | Your CaliLoanPro | Affinity Mortgage | NMLS #235072 | Equal Housing Lender

10/11/2026

Last chance to tour! 👀
475 Calle Asta, Morgan Hill
Open today 12–3 PM

10/11/2026

Last chance to tour! 👀
1230 Qualteri Way, Gilroy
Open today 1–3 PM

10/10/2026

🚪 We’re OPEN today!
1230 Qualteri Way, Gilroy
1–3 PM. Come say hi!

Address

2542 S. Bascom Avenue
Campbell, CA
95008

Opening Hours

Monday	9am - 4pm
Tuesday	9am - 4pm
Wednesday	9am - 4pm
Thursday	9am - 4pm
Friday	9am - 4pm

Website

https://www.caliloanpro.com/

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