CrossCountry Mortgage North Coast

02/05/2026

🏠 STOP SCROLLING! The California Dream For All program is officially BACK for 2026!

If the down payment has been the only thing standing between you and your first home, this is for you. The state is offering up to 20% (max $150k) toward your down payment with 0% interest and NO monthly payments on that assistance. 💸

⚠️ IMPORTANT DATES:
📍 Application Window: Feb 24 – March 16, 2026
📍 System: It’s a random lottery, not first-come, first-served—so you have time to get ready!
Who can apply?
✅ First-generation homebuyers (parents don’t own a home)
✅ First-time buyers (haven’t owned in 3 years)
✅ Current California residents
Don’t wait until the portal opens to start. You MUST have a Dream For All Pre-Approval Letter from an approved lender to even enter the lottery. 📝
👇 Comment “READY” if you want the link to check your county’s income limits!

2026HousingMarket

12/09/2025

5.0 star review received on Experience.com for Christine Joyner by Jennifer E J - Christine and her team were really knowledgeabl, professiona, and were looking out for us throughout the whole process!

Click to see all 447 reviews of Christine Joyner, Branch Manager | NMLS # 670129

12/09/2025

5.0 star review received on Experience.com for Christine Joyner by Lawrence S T I - thanks for going above and beyond in this process and helping us work through everything every challenging hurdle and hang up.

Click to see all 447 reviews of Christine Joyner, Branch Manager | NMLS # 670129

12/08/2025

5.0 star review received on Experience.com for Christine Joyner by Sara F - Christine is extreemly effecient, timely and conscienous in working towards mutual goals.

Click to see all 444 reviews of Christine Joyner, Branch Manager | NMLS # 670129

11/25/2025

Success in 2026 starts with the moves you make right now.

In this reel, I talk with Mark Crosson of Coldwell Banker Sellers Realty, who shares how he is staying focused, productive, and growth-minded as we close out the year. Small, consistent actions today build a stronger pipeline tomorrow.

What is your number-one focus heading into 2026?

Comment below — or reach out if you want to partner on elevating your clients’ financing strategies.

11/11/2025

Let’s clear something up — the Fed dropped rates on Oct 29th, but mortgage rates didn’t follow suit. Here’s why 👇

I chatted with Mark Crosson from Coldwell Banker Sellers to explain that:

📊 The Fed Funds Rate sets the tone for short-term lending — not home loans.

🏡 Mortgage rates live in their own world, moving with the economy, inflation, and investor sentiment.

💬 And when Jerome Powell speaks? The market listens. Mortgage-backed securities (MBS) trade on expectations, not headlines.

So no — your rate didn’t go up because “the Fed messed up.” It’s just how the market moves.

05/16/2025

🌟 Join Us for an Exclusive Open House! 🌟

I’m thrilled to be collaborating with .hunt.realtor and .humboldtrealtor at this stunning listing tomorrow from 12–2 PM.

This is part of a county-wide open house event, and you won’t want to miss the chance to experience this beautiful property firsthand.

Come by, take a tour, and envision your future in luxury. See you there!

📍 422 Shirley Blvd, Arcata!
⏰ 12–2 PM

04/27/2025

Don’t forget to stop by Christina’s listing this afternoon!!

Spacious 4-bedroom, 2.5-bath home in the desirable Sutter Ranch subdivision with 3,150 sq. ft. of living space. Features include a beautiful home office, cozy fireplace, French doors leading to a fenced backyard, and a double-car garage. Ideally located just 10 minutes north of Cal Poly Humboldt and 10 minutes south of the charming coastal town of Trinidad. Outdoor lovers will appreciate being within a bike ride of the famous Hammond Trail. Whether you're relaxing by the fire or hosting friends in the backyard, this home offers comfort, style, and room to grow.

04/27/2025

Ready to own a home and build real wealth?
This fully operating 4-unit short-term rental is your chance!

Live in one unit and rent the others to generate passive income.

Open tomorrow 27th 12–3 PM — come see for yourself!

DM for details

04/14/2025

Thinking About Buying a Home This Year?
Join us for a Q&A Session on Saturday, April 19 at 2 PM at Corcoran Icon Properties, Eureka!

- Learn what it takes to buy a home in today’s market
- Meet with a local Realtor & Mortgage Lender
- Get expert answers to all your questions
- Take home a FREE Homebuyer Starter Kit

No pressure, just helpful info. Bring your questions—we’ve got answers!

Tag a friend who should come with you!

02/18/2025

Buying a home can feel overwhelming, but we stive to make the process smooth, clear, and stress-free. We’re honored to have helped this client achieve their homeownership goals! 💚🏠

Thinking about buying? Let’s make it happen—together! Reach out today!

02/17/2025

This was truly a special closing!! The buyers worked so hard to achieve the dream of buying their first home. Sellers and buyers, Realtor Heather Watkins, MBA and Lucretia Newman, Thank you! Such a pleasure working with everyone

Just Sold!

This sale was truly a team effort. Every party involved—buyer, seller, agent , lender , title company, and contractors—came together with one common goal: getting this home sold. It wasn’t always easy. There were obstacles along the way, and we had to navigate multiple challenges to make it happen.

From repairs to paperwork, we relied on the hard-working businesses in our community to get things done. Every step of the way, everyone played their part, problem-solved, and stayed committed to the process.

It’s a reminder that real estate is never just about houses—it’s about people coming together, finding solutions, and making things happen. This one took effort, but in the end, we got it done!

On to the next one!
Heather Watkins
heatherhelpshumboldt.com
707.599.4658
DRE #02111228
Brokered by Real Brokerage Technologies, Inc.
DRE #02022092