Evelyn Freitas at Guaranteed Rate, NMLS #247578

Evelyn Freitas at Guaranteed Rate, NMLS #247578 Mortgage Broker - I close loans and build trust at every milestone. You will always know where your loan stands — no chasing, no guessing.

I find paths to approval so more people can access home ownership.

09/09/2026

Tucked behind a private gate and fragrant white roses, 3323 Pinole Valley Road is a 4-bedroom, 2+bathroom storybook cottage that feels like its own little world, yet everything you need is just down the street! One direction brings you to Trader Joe’s, Peet’s Coffee, Pinole Library, and more; the other leads to Pinole Valley Park with sports fields, a dog park, and hiking trails. Step through the front door into a cheerful mudroom, then into the living room where a brick fireplace adds warmth. To your right, the eat-in kitchen has been updated with newer appliances, stone countertops, and freshly painted cabinetry. There’s also interior access to a large 2-car garage. Two bedrooms and a full bath round out the lower level. Upstairs, two more bedrooms share a second full bath. Out back is magical: a sparkling pool, blackberries cascading over the fence, and paved patios made for al fresco dining. A gentle tree-lined slope leads to a detached hobby shed, wired and ready to be a home office or music room. All of this is set on an impressive quarter-acre-plus lot. Pick some blackberries, grab a pool chair; you’ll probably want to stay awhile.

Listed by Rachel Melby for the Little Hill Team at $725,000.

09/03/2026

REALTORS— MAJOR GUIDELINE CHANGE!!

Fannie Mae just changed their guidelines on using rental income on a departing residence, and your move up buyers no longer need a tenant or lease agreement when using rental income to qualify.

Market rent can now be established using an appraisal, rent survey, or market analysis with three rental comps, and 75% of that rent can be used as qualifying income.

No, lease, no tenant, and the potential for greater buying power.

Do you have a client who’s been stuck because they couldn’t carry both mortgages and couldn’t find a tenant? Comment or DM ”RENT” and let’s see what this change does for their options.

I’m happy and honored to be included with friends, colleagues, and fantastic professionals in the East Bay Express Best ...
09/03/2026

I’m happy and honored to be included with friends, colleagues, and fantastic professionals in the East Bay Express Best of the East Bay awards for 2026.

It’s wonderful - and so much fun - to be part of the local business community and work with so many amazing and brilliant people.

Heartfelt thanks for your support of my mortgage practice. Please let me know whenever I can be of service to you, your clients, and the people you care about.

08/31/2026

What’s outside your office window? Here’s the view from my home office - I’m going to plant something native here that’s a little more intentional that still produces food for birds. Leave suggestions in the comments!

I received this text photo from a client today. Their excitement about homeownership came pouring through, and it really...
08/28/2026

I received this text photo from a client today. Their excitement about homeownership came pouring through, and it really brightened my day!

Will you be out on brokers tour tomorrow? Stop by 1058 Kains Avenue in Albany and say hello! This two bedroom, one bath ...
08/27/2026

Will you be out on brokers tour tomorrow? Stop by 1058 Kains Avenue in Albany and say hello! This two bedroom, one bath home, listed at $799,000 by Lorie Harnden and Victoria Bell of BHG Reliance Partners, is the perfect entry to Albany home ownership. It’s within walking distance of shops, schools, the library, entertainment spots, and all the wonderful things Albany has to offer.

We will be there from 9:30 to noon and refreshments will be served. See you then!

Did you have one of these wall heaters in your bathroom in the home you grew up in? I did, and I loved seeing that warm glow on a frosty winter morning.

There’s lots of space for a project and outdoor activities!

08/14/2026

Every month, mortgage insurance quietly adds a payment with zero return. No equity, no benefit, just cost.

Most first time buyers accept it as the price of a smaller down payment. But there’s a program that removes it completely, and it doesn’t come with a hike to your rate.

Forget MI is built for first time homebuyers who qualify under certain income limits. Same great rate, none of the extra monthly cost that usually comes with it. It’s not something every lender can offer, I’m one of just a few with access right now.

If mortgage insurance has been the reason you’ve held off, this may change your numbers. Send me a message and let’s find out if you qualify.

https://myoc.io/JGV6O

NMLS #247578



NMLS # 247578

08/13/2026

Set atop the Berkeley Hills, 663 Grizzly Peak is a mid-century sanctuary rich in period charm. This 3-bedroom, 2-bathroom home features vaulted open-beam ceilings and random plank hardwood floors, with expansive western-exposure windows that frame breathtaking views that sweep from the San Francisco skyline over the Bay to the Golden Gate Bridge to the hills of Marin County. The gracious interior includes an open floor plan across the living and dining rooms, a newly renovated kitchen equipped with a modern electric induction cooktop and stainless steel appliances. A high-efficiency heat-pump HVAC system offers both central heat and AC to keep you comfortable year-round. The home offers two spacious bedrooms—including a primary suite with an ensuite bath—and a versatile den that can serve as a third bedroom. The front bedroom offers ever-changing views over the Bay. The primary bedroom and den both feature floor-to-ceiling glass sliders that open to the backyard. Both bathrooms retain mid-century charm, and natural light fills every space. Outdoor living is central to the home’s design, featuring a rear patio that leads to a terraced yard awaiting your vision. A high-ceiling two-car garage and an oversized laundry room offer extra space for a workshop and storage. Located just minutes from the extensive trails and amenities of Tilden Park and the culture and conveniences of downtown Berkeley. BESO Score coming soon!

8/13/2026 10:00AM - 1:00PM PDT
8/15/2026 2:00PM - 4:00PM PDT
8/16/2026 2:00PM - 4:00PM PDT

07/31/2026

The average first time buyer is now 40. The highest on record.

Buy at 30 instead, and your net worth is over $119,000 higher by 50. Wait until 43, and that advantage disappears entirely.

Most people calculate what it costs to buy. I calculate what it costs to wait.

Comment “WAIT” for a breakdown of what waiting is costing you.

Send this to someone who keeps pushing their timeline back.

Source: Realtor.com

07/23/2026

Friends do not let friends shop for a home without making sure everything on their credit report is correct and accurate.

Address

3400 Mount Diablo Boulevard Ste 3
Downtown Lafayette, CA
94549

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