Jeffrey Willson - The Willson Team at Front Point Mortgage - NMLS #68758

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Jeffrey Willson - The Willson Team at Front Point Mortgage - NMLS #68758 Jeffrey Willson, MBA
[email protected]
www.frontpointmortgage.com
760-271-0045
NMLS # 68758

10/21/2026

Rate Locks Protect Home-Loan Budgets
As someone who guides homebuyers through every step of the mortgage process, I’m often asked how to keep monthly payments predictable. One important tool: the mortgage rate lock. Until your interest rate is locked in writing, fluctuations can impact your budget before closing. A rate lock secures your offered rate for a set period—typically 30, 45, 60, or 90 days—so you can plan your payments with greater certainty. Be sure to review the lock’s expiration date and any associated fees, as longer terms may cost more. If rates drop after you’ve locked, some lenders offer float-down options. Whether you’re looking to protect your budget or weighing your risk comfort, make sure all rate lock details—rate, term, loan type, and fees—are in writing. At The Willson Team, we take pride in helping buyers feel confident and informed at every stage.

10/20/2026

States Where Homeowners Have Most Home Equity
As someone who works daily with homeowners and buyers in the greater San Diego area, I find it fascinating to see just how significant home equity can be across different states. In fact, in 10 states, the typical homeowner's equity rivals—or even surpasses—their overall net worth. Hawaii tops the list, with average home equity at $600,000 and net worth at $692,700. California follows close behind, with homeowners holding $550,000 in equity compared to a $273,800 net worth. These numbers highlight the central role real estate plays in personal financial strength, especially here in California. At The Willson Team, we see firsthand how building equity through smart mortgage decisions can shape long-term financial well-being.

10/19/2026

Southern California Housing Stays Resilient
As a mortgage broker serving San Diego and the surrounding communities, I’m keeping a close eye on how our Southern California housing market is holding up. By October 1, we saw 30-year mortgage rates climb into the low-7% range—up from the mid-6% just a few months ago—which has certainly influenced financing conversations for many local buyers and homeowners.

What’s notable is that single-family home prices in our region have remained steady, even with these higher rates. On the other hand, condos have faced unique challenges: increased insurance costs, larger reserve requirements, and mandatory balcony repairs have all contributed to higher HOA fees. Some buildings have even introduced special assessments recently, adding to buyers’ expenses and making condo transactions more complex.

With these factors at play, buyers’ purchasing power for condos has been squeezed, so realistic pricing and thoughtful negotiation are more important than ever. In my experience, it’s essential for both buyers and sellers to focus on their specific needs, look closely at neighborhood sales, and weigh local inventory—rather than relying solely on broad national headlines. That’s how we help clients navigate today’s market with confidence.

New home sales rebound as builders chase buyers' budgetsAugust saw a notable rebound in US new home sales, with builders...
10/18/2026

New home sales rebound as builders chase buyers' budgets
August saw a notable rebound in US new home sales, with builders responding to buyers' budgets through price reductions and added incentives. Sales hit their fastest pace in eight months, although they remain 2% below the previous year. The median sales price was $393,700, a reflection of both strong inventory and cautious builder sentiment as financing costs continue to climb. As someone who works every day to tailor mortgage solutions for San Diego homebuyers, I see firsthand how shifts in the market—like these pricing strategies—create fresh opportunities for those looking to purchase. Navigating today’s landscape requires a clear understanding of both the numbers and the lending environment, and that’s where thoughtful guidance makes a difference.


https://www.housing-trends.com/agent-news/jeffrey-willson/2102023-New-home-sales-rebound-as-builders-chase-buyers%27-budgets

First-time homebuyers could get $50,000 under new billThere’s a new bill on the table that could be a game-changer for f...
10/17/2026

First-time homebuyers could get $50,000 under new bill
There’s a new bill on the table that could be a game-changer for first-time homebuyers: it proposes up to $50,000 in federal matching funds for down payments, structured as a 5-to-1 match. The goal is to help more buyers overcome one of the biggest hurdles—saving for that initial down payment. To qualify, buyers would need to complete counseling and focus on homes priced at or below the local median. Some critics worry that this approach could push prices higher if more buyers are competing for the same limited supply of homes. As someone who helps San Diego buyers navigate the mortgage landscape every day, I’m always watching for new programs that could impact the path to homeownership. It’s important to look at both the opportunities and the possible ripple effects—especially in a market like ours, where inventory is already tight.


https://www.housing-trends.com/agent-news/jeffrey-willson/2113999-First-time-homebuyers-could-get-%2450%2C000-under-new-bill

Smaller Down Payments Give Buyers More Room, But Rates Limit The SavingsWe're seeing a shift in the homebuying landscape...
10/17/2026

Smaller Down Payments Give Buyers More Room, But Rates Limit The Savings
We're seeing a shift in the homebuying landscape: median down payments have dipped to $27,100 in Q2 2026, the lowest point since 2021. This change is largely driven by an increase in available homes and lower asking prices, which is welcome news for many buyers in our San Diego community. However, it’s important to keep in mind that while these smaller down payments can make it easier to get your foot in the door, higher mortgage rates have pushed monthly payments upward. Each local market responds differently—down payments tend to fluctuate depending on how competitive the area is. At The Willson Team, we’re always here to help you navigate these changing conditions so you can make informed decisions about your mortgage options.


https://www.housing-trends.com/agent-news/jeffrey-willson/2114001-Smaller-Down-Payments-Give-Buyers-More-Room%2C-But-Rates-Limit

10/16/2026

Closing Costs Can Reach 5% of Your Loan
One of the most overlooked aspects of buying a home is preparing for closing costs. As a mortgage broker here in the greater San Diego area, I see many buyers surprised by these expenses. Remember, closing costs are distinct from your down payment and are typically due upfront to finalize your mortgage. They generally range from 2% to 5% of your loan amount—not the purchase price—which means it’s crucial to budget accordingly. These costs cover things like lender origination and underwriting fees, appraisal, inspection, survey, title work, attorney charges, recording fees, prepaid taxes, insurance, and your initial escrow funding. Most often, buyers are responsible for the majority of these fees, while sellers handle their own side of the transaction. Occasionally, in a slower market, you might negotiate concessions or credits—sometimes by increasing your offer price. My advice: always compare lender estimates, carefully review your closing disclosure ahead of time, and ask about credits or possible assistance. It’s worth double-checking for any duplicate fees or charges that could drain your savings. At The Willson Team, we believe in arming you with clarity and confidence at every step of your home purchase.

10/14/2026

Homebuyers Can Shape Their Mortgage Rate
One of the most frequent questions I hear from homebuyers is, "How much control do I really have over my mortgage rate?" Recent analysis of 1.35 million US purchase loans (Early-Q1 2023 through Late-Q4 2025) offers some useful perspective. Even in the same month, the middle 80% of borrowers saw a 93-basis-point spread in rates—on a $2K monthly budget, that's about $28,400 of buying power difference.

Credit score remains the biggest lever: moving from the high 600s up to 720 can make a meaningful impact, with the key breakpoints at 700 and 720. But it's not just about credit. Comparing lenders really pays off. For example, a highly competitive lender often beats a typical retail offer by 19 basis points—potentially saving around $5,800.

Interestingly, while reaching a 20% down payment is often a milestone, the rate benefit from that alone is minimal (just 0.7 basis points). The real savings come from avoiding mortgage insurance.

As a mortgage broker in the San Diego area, I see firsthand how these small details add up for clients. Understanding what drives your rate—and knowing where to focus your energy—can put you in a stronger position when it's time to buy.

10/13/2026

Smart Home Buying Tips With Current Mortgage Rates
With 30-year fixed mortgage rates holding at 7.12%—a result of persistent inflation and recent Fed actions—many buyers are feeling the pressure. But as someone who guides clients through markets of every kind, I know opportunity often hides in plain sight. This fall, home prices are averaging about 5% less than their summer highs, which means more room to negotiate as inventory grows and activity slows. In times like these, a tailored mortgage strategy can make all the difference—especially here in the greater San Diego area. Navigating these shifts isn’t just about numbers; it’s about finding the right fit for your goals.

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170 Eucalyptus Avenue
Carlsbad, CA
92084

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+17602710045

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