California Home Loan Center

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California Home Loan Center

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from California Home Loan Center, Loan service, 43575 Mission Boulevard, # 702, Fremont, CA.

06/09/2024

Open House 219 Dash Ct. Hayward CA

Come by to see this beautiful townhome with views of the mountains. Built in 2020, and about 1760 sf, this 3 bed and 3.5 bath home can be yours this weekend.
Amit Inamdar Realtor & Loan Consultant. CA DRE 01355522, NMLS 236574

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View this amazing property, images, and listing information.

02/17/2024

Is this the Upper-Upper Middle Class?

$518,400 – that's how much you need to earn annually to afford a median-priced home in San Mateo County. In neighboring Santa Clara County, you need $468,000. Higher borrowing costs and a shortage of available homes for sale have brought California housing affordability to the lowest level in 16 y...

05/17/2023

What You Need To Know About Home Price News

NAR will release its latest Existing Home Sales Report tomorrow. The information it contains on home prices may cause some confusion and could even generate some troubling headlines. This all stems from the fact that NAR will report the median sales price, while other home price indices report repeat sales prices. The vast majority of the repeat sales indices show prices are starting to appreciate again. But the median price reported on Thursday may tell a different story.

Here’s why using the median home price as a gauge of what’s happening with home values isn’t ideal right now. According to the Center for Real Studies at Wichita State University, “The median sale price measures the ‘middle’ price of homes that sold, meaning that half of the homes sold for a higher price and half sold for less. While this is a good measure of the typical sale price, it...

CADRE 01355522 NMLS 236574 Forbes RE Council Member

The National Association of Realtors (NAR) will release its latest Existing Home Sales Report tomorrow.

05/16/2023

The Worst Home Price Declines Are Behind Us

If you’re following the news today, you may feel a bit unsure about what’s happening with home prices and fear whether or not the worst is yet to come. That’s because today’s headlines are painting an unnecessarily negative picture. Contrary to those headlines, home prices aren’t in a freefall. The latest data tells a very different and much more positive story. Local home price trends still vary by market, but here’s what the national data tells us.

If we take a year-over-year view, home prices stayed positive – they just appreciated more slowly than they did at the peak of the pandemic. To get a more detailed picture of some of the trends in the market, we need to look at monthly data.

In the first half of 2022, home prices were climbing, and they peaked in June. Then, in July, they started to decline. And by roughly August or September, the trend began...

CADRE 01355522 NMLS 236574 Forbes RE Council Member

If you’re following the news today, you may feel a bit unsure about what’s happening with home prices and fear whether or not the worst is yet to come.

05/15/2023

Homeowners Have Incredible Equity To Leverage Right Now

Even though home prices have moderated over the last year, many homeowners still have an incredible amount of equity. But what is equity? In the simplest terms, equity is the difference between the market value of your home and the amount you owe on your mortgage. The National Association of Realtors (NAR) explains how your equity grows over time. “Housing wealth (home equity or net worth) gains are built up through price appreciation and by paying off the mortgage.”

The equity you build up over the years can be used to your advantage when you sell your current house and buy your next home. If you no longer have the space you need, it might be time to move into a larger home. Or it’s possible you have too much space and need something smaller. No matter the situation, your equity can be a powerful tool you can use to help you make a move in tod...

CADRE 01355522 NMLS 236574 Forbes RE Council Member

Even though home prices have moderated over the last year, many homeowners still have an incredible amount of equity.

05/12/2023

The Worst Home Price Declines Are Behind Us [INFOGRAPHIC]

While home prices vary by local area, they’ve already hit their low point nationally, and now they’re starting to rise again. Last July, prices started to decline, but around February, they began climbing back up. If you put your plans to move on hold waiting to see what would happen with home prices, DM me to discuss if now’s the right time to jump back in.

CADRE 01355522 NMLS 236574 Forbes RE Council Member

While home prices vary by local area, they’ve already hit their low point nationally, and now they’re starting to rise again.

05/11/2023

The Best Time To Sell Your House Is When Others Aren’t Selling

If you’re thinking about selling your house, you should know the number of homes for sale right now is low. That’s because, this season, there are fewer sellers listing their houses for sale than the norm.

Looking back at every April since 2017, the only year when fewer sellers listed their homes was in April 2020, when the pandemic hit and stalled the housing market. In more typical years, roughly 500,000 sellers add their homes to the market in April. This year, we saw fewer than 400,000 sellers entering the market in April.

While there are a number of factors contributing to this trend, one thing keeping inventory low right now is that some homeowners are reluctant to move when the mortgage rate they have on their current house is lower than the one they could get today on their next house. It’s called rate lock.

As a recent survey...

CADRE 01355522 NMLS 236574 Forbes RE Council Member

If you’re thinking about selling your house, you should know the number of homes for sale right now is low.

05/10/2023

The Impact of Inflation on Mortgage Rates

If you’re reading headlines about inflation or mortgage rates, you may see something about the recent decision from the Federal Reserve (the Fed). But what does it mean for you, the housing market, and your plans to buy a home? Here’s what you need to know.

While the Fed’s working hard to lower inflation, the latest data shows that, while the number has improved some, the inflation rate is still higher than the target (2%). That played a role in the Federal Reserve’s decision to raise the Federal Funds Rate last week. While the Fed’s actions don’t directly dictate what happens with mortgage rates, their decisions do have an impact and contributed to the intentional cooldown in the housing market last year.

During times of high inflation, your everyday expenses go up. That means you’ve likely felt the pinch at the gas pump and in the grocery store. By raisi...

CADRE 01355522 NMLS 236574 Forbes RE Council Member

If you’re reading headlines about inflation or mortgage rates, you may see something about the recent decision from the Federal Reserve.

05/09/2023

Why Today’s Housing Market Is Not About To Crash

There’s been some concern lately that the housing market is headed for a crash. And given some of the affordability challenges in the housing market, along with a lot of recession talk in the media, it’s easy enough to understand why that worry has come up. But the data clearly shows today’s market is very different than it was before the housing crash in 2008. Rest assured, this isn’t a repeat of what happened back then. Here’s why.

>>It’s Harder To Get a Loan Now
It was much easier to get a home loan during the lead-up to the 2008 housing crisis than it is today. Things are different now as purchasers face increasingly higher standards from mortgage companies.

>>Unemployment Recovered Faster This Time
While the pandemic caused unemployment to spike over the last couple of years, the jobless rate has already recovered back to pre-pandemic levels. Be...

CADRE 01355522 NMLS 236574 Forbes RE Council Member

There’s been some concern lately that the housing market is headed for a crash.

05/08/2023

It May Be Time To Consider a Newly Built Home

If you’re looking to buy a house, you may find today’s limited supply of homes available for sale challenging. If you need to open up your pool of options, it may be time to consider a newly built home.

According to the U.S. Census, there’s positive news when it comes to new home construction. More new homes were completed and are ready to sell. Builders broke ground and started construction on more single-family homes. And the number of permits for building new single-family homes ticked up.

There are other perks that come with considering a newly built home:
>>Customization
When you buy a new home under construction, you can tailor it to your unique needs and taste.

>>Brand New Everything
Another perk of a new home is that nothing in the house is used. It’s all brand new and uniquely yours from day one.

>>Minimal Repairs
And, because everythin...

CADRE 01355522 NMLS 236574 Forbes RE Council Member

If you’re looking to buy a house, you may find today’s limited supply of homes available for sale challenging.

05/05/2023

Reasons To Sell Your House Today [INFOGRAPHIC]

Not sure if selling your house is the right move today? You should know there are a number of reasons it still makes sense to sell now. Your house will stand out because inventory is low. That’s why the number of offers on recently sold homes is on the rise. And most homeowners have a lot of equity that can fuel a move. If you’re thinking about selling your house, let’s connect to discuss if now may be the time to move.

CADRE 01355522 NMLS 236574 Forbes RE Council Member

Not sure if selling your house is the right move today? You should know there are a number of reasons it still makes sense to sell now.Your house will stand out because inventory is low. That’s why the number of offers on recently sold homes is on the rise. And most homeowners have a lot of equity...

05/04/2023

How Homeowners Win When They Downsize

Downsizing has long been a popular option when homeowners reach retirement age. But there are plenty of other life changes that could make downsizing worthwhile. Homeowners who have experienced a change in their lives or no longer feel like their house fits their needs may benefit from downsizing too.

And when inflation has made most things significantly more expensive, saving money where you can has a lot of appeal. So, if you’re thinking about ways to budget differently, it could be worthwhile to take your home into consideration.

When you think about cutting down on your spending, odds are you think of frequent purchases, like groceries and other goods. But when you downsize your house, you often end up downsizing the bills that come with it, like your mortgage payment, energy costs, and maintenance requirements.

If you’re thinking about downsizing, ask you...

CADRE 01355522 NMLS 236574 Forbes RE Council Member

Downsizing has long been a popular option when homeowners reach retirement age.

Address

43575 Mission Boulevard, # 702
Fremont, CA
94539

Telephone

+15103646686

Website

http://caloans.net/

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