BettyKay Pilcher, Loan Officer NMLS #962148 - Sunshine Home Lending

02/24/2026

We have solutions! CalHFA is a down payment assistance program for primary residence purchases. It can be used for single family residences, manufactured or condo purchases. Call me today for more info!

12/12/2025

Santa will not be bringing lower interest rates this Christmas. We barely saw a "wobble" despite the recent Fed rate cut. This is still a good time to buy a home however! Inventory is stable, sellers are motivated and you can still find reasonable interest rates out there with your local mortgage broker 🙂
Merry Christmas and Happy New Year!

11/01/2025

Credit to Jonathan Haddid: best explanation I've seen..

"Let’s break down why mortgage rates went up even though the Fed just dropped theirs.

When the Federal Reserve moves rates, that’s the rate big institutions lend to each other, think of it as the “money of the wealthy.”

If the Fed drops rates to 3.75–4%, companies like American Express or major banks borrow at that rate, then turn around and lend to consumers at 10% or more. That part’s simple, they add their margin.

But mortgage rates didn’t drop because of something Jerome Powell said about quantitative tightening.

Starting December 1st, the Fed will stop quantitative tightening, meaning they’ll stop pulling money out of the system, but they’re not putting new money in yet either.

Here’s the easy way to picture it:

The economy is a swimming pool. When the Fed does quantitative easing, they’re filling it up, more money in the system. When they do tightening, they’re draining some out.
Now, they’ve stopped draining, but they’re not refilling yet.

So investors are waiting to see what happens before jumping back into the bond market.

That hesitation means fewer bond buyers, lower bond prices, and higher yields, and that’s what keeps mortgage rates elevated, even after a Fed rate cut."

Rates will level off and are projected to keep gradually dropping over the next year. Want a mortgage rate quote? Mortgage advice? Property or mortgage review? Call me!
(530) 263-6094

BettyKay Pilcher
NMLS 962148
[email protected]
www.sunshinehomelending.com

10/31/2025

07/09/2025

Who else wants the confidence and security of knowing your loan is approved FASTER!!!

07/07/2025

This is an important read, for any business transaction but especially mortgage and real estate...

Deepfakes are reshaping real estate fraud, making scams harder to detect and trust harder to earn. Learn how AI-driven impersonation is targeting real estate deals—and what professionals must do to stay protected.

05/14/2025

As your independent mortgage broker, we've got solutions! With student loan collections resuming use our Conventional cash-out refinance loan up to 90% LTV with NO mortgage insurance to pay down debt with competitive interest rates and a simplified process. Call today!

10/26/2024

Apply for a home loan without leaving the comfort of your current space. Our online mortgage portal makes the process of financing your new home fast and easy. Call today to get started! (530) 263-6094

10/25/2024

You can go through the mortgage application process quickly and easily with our technology! Keep track of the status of your loan all in the palm of your hand using our mortgage app. Call us today to get started! (530) 263-6094

09/21/2024

Before Housing Prices Go UP, take advantage of lower rates!!

09/20/2024

Ready to build your future? 🏡🔑 The Fed’s rate drop by 50 basis points means it’s prime time to refinance your mortgage or buy that new house you've been eyeing. Lower rates, lower payments, bigger dreams. Act now! Call BettyKay NMLS #962148 (530) 263-6094 For more information. 📉🌟