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Crosswalk Mortgage: Laura Contreras, Mortgage Broker NMLS #262280

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La Habra Heights, CA
Crosswalk Mortgage: Laura Contreras, Mortgage Broker NMLS #262280

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Providing opportunities for low rates, hassle free mortgages for buying or refinancing a home throughout CA
| Se habla Español |

You've heard the horror stories...how hard it is to qualify, not to mention the fighting, shopping, and haggling to get a good rate. I've got great news...When you're ready, the next step in getting a low rate mortgage made easy is to contact me so we can review your unique situation and make sure that you get a low rate mortgage without the stress and hassle. Hablamos español para servirle en su idioma.

11/02/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗡𝗼𝘃𝗲𝗺𝗯𝗲𝗿 𝟮, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝗱 👍
Mortgage rates ended the week slightly lower for the fourth straight week, although once again it wasn't a smooth ride. Rates crept higher after Wednesday's Fed meeting before improving Thursday and Friday as AI and tech stocks sold off and investors moved money into bonds.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗰𝗼𝗻𝘁𝗶𝗻𝘂𝗲 𝘁𝗼 𝗶𝗺𝗽𝗿𝗼𝘃𝗲 👍
Mortgage rates could continue to improve this week, but they'll need some help from weaker jobs data and falling oil prices. While we could see rates move a little lower, don't expect any big drops. Instead, we could see more of the gradual improvement we've seen throughout October.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
•Labor data: It's a big week for jobs data, with Friday's BLS jobs report likely to have the biggest impact on mortgage rates. Weak numbers could help rates, while strong numbers could push them higher.
•Oil: Oil prices are starting the week lower on hopes for a U.S.-Iran deal, but concerns about possible military action after the midterms could push prices higher again.
•Stocks: AI and tech stocks could continue to influence rates this week. More selling could help mortgage rates improve, while a rebound could push rates higher.

10/28/2026

What mortgage rate are you waiting for? 👀

I’m dressing up as a 2% rate for Halloween… because everyone’s chasing after me. 👻

But really, all the headlines about rates and home prices can make buying a home feel a little scary.

The truth is, everyone’s situation is different. People are still buying homes and getting mortgages, and there may be a path forward for you, too. 🏡

It starts by looking at your numbers and seeing what options you have. You might be surprised by what’s possible! And if now isn’t the right time, you can still make a plan for when it is.

Have a question? Send me a message, or drop it in the comments. No tricks over here, just a conversation. 🎃

10/26/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗢𝗰𝘁𝗼𝗯𝗲𝗿 𝟮𝟲, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝗱 👍
Mortgage rates crept a little higher during the week before turning around on Thursday as AI stocks sold off and investors moved money out of stocks and into the safety of bonds. That helped mortgage rates improve and end the week a little lower.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
The big event this week is Wednesday's Fed meeting, but AI stocks could continue to have a big influence on mortgage rates. Oil prices haven't had much of an effect on rates recently, but that could change this week. With so many things in play, we are likely to see some day-to-day ups and downs in rates and possibly a bigger move for the week.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
-Stocks: The big sell-off in AI stocks has slowed for now, but if stocks start falling again, it could help mortgage rates this week. However, if stocks rally, it could push rates higher.
-Oil: Oil prices haven't had much influence on mortgage rates recently, despite being near six-month highs, but that could change after this week's Fed meeting.
-The Fed: The Fed is not expected to hike rates at this meeting, but we should expect markets to react to the Fed's policy statement and Fed Chair Warsh's press conference.

10/21/2026

Every week, someone online announces the housing crash is coming. Meanwhile, your lease renewal comes with another rent increase.

So, do you buy or keep renting?

Headlines and comment sections don’t know your income, savings, debt, or plans. That’s where a conversation with a mortgage professional can help.

We can talk about potential monthly payments, upfront costs, savings, and general mortgage information. Then we can talk about how those numbers fit your life and goals.

Sometimes buying makes sense. Sometimes continuing to save makes sense. As a mortgage professional, my job is to help you understand those options without pressure.

If you’ve been going back and forth, send me a message. Let’s look at your numbers and give you something more useful than just another headline.

10/21/2026

New 5.0-star Review: "Outstanding Service from Laura Contreras! Highly Recommended! I cannot say enough good things about Laura Contreras and the outstanding service she provided throughout my home refinance and loan process. From beginning to end, Laura worked incredibly hard, remained persistent, and went above and beyond to help me get my loan approved and successfully completed. What impressed me the most was her professionalism, dedication, and excellent communication. She was always available to answer my phone calls, respond to my emails, answer my questions, and keep me informed every step of the way. She never gave up and truly made me feel that she cared about helping me achieve my goal. Laura is not only extremely professional and knowledgeable, but she also treats you like family. Working with her was a genuine pleasure, and I am truly grateful for all her hard work and support throughout this entire process. She also has a great team working alongside her, which made the experience even better. If you are looking for someone you can trust to help you with a home refinance or a loan, I highly recommend Laura Contreras 100%! She is dedicated, trustworthy, professional, and genuinely cares about her clients. I feel fortunate to have worked with her, and I would absolutely recommend her to my family and friends. Thank you, Laura, for everything you did for us. You made a challenging process so much easier, and we truly appreciate you!"

10/21/2026

New 5.0-star Review: "⭐⭐⭐⭐⭐ Outstanding Mortgage Broker – Highly Recommended! I had an excellent experience working with Laura Contreras, Mortgage Broker at Crosswalk Mortgage, Inc., throughout our home refinance and loan process. From the very beginning to the successful completion of our loan, Laura worked incredibly hard, remained persistent, and went above and beyond to help us achieve our goal. She never gave up and did everything she could to make sure the process moved forward successfully. What impressed me most was her professionalism, dedication, and outstanding communication. She was always available to answer our phone calls, respond to emails, address our questions, and keep us informed every step of the way. We always felt supported and knew we could count on her. Laura is not only knowledgeable and professional, but she also has a wonderful personality and treats you like family. Her genuine care, patience, and commitment made what could have been a stressful process a much more positive experience. She also has an excellent team, and we truly appreciate everyone’s hard work and support. My wife and I are extremely grateful to Laura for everything she did to help us successfully complete our refinance. We couldn’t be happier with the service we received. I highly recommend Laura Contreras and Crosswalk Mortgage, Inc. 100%! If you are looking for a trustworthy, dedicated, and professional mortgage broker to help you with a home refinance or a mortgage loan, Laura is the person to call. Thank you, Laura, for your hard work, dedication, and for treating us like family. We truly appreciate everything you did for us!"

10/21/2026

New 5.0-star Review: "I wanted to take a moment to share how wonderful my experience was working with Laura! Throughout our transaction, Laura was incredibly responsive and always made herself available to answer my calls, even on weekends. She worked alongside me every step of the way to ensure everything moved forward smoothly. What stood out to me most was the feedback from my first-time homebuyers. They expressed how happy they were with Laura and how supported they felt throughout the entire process. As real estate professionals, we need more lenders like her! While lending is heavily focused on numbers, being able to explain those numbers in a way that clients can truly understand is just as important. She did that too! I genuinely appreciate her communication, and willingness to go above and beyond. It was a pleasure working with her, and I look forward to many more transactions together!"

10/19/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗢𝗰𝘁𝗼𝗯𝗲𝗿 𝟭𝟵, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝗱 👍
Mortgage rates got better last week after reaching their highest levels in early October. Even though reports showed inflation was higher than expected, mortgage rates continued to improve and ended the week a little lower.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗰𝗿𝗲𝗲𝗽 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Although rates improved last week, helped by a sell off in AI stocks, they showed signs of stalling on Friday and continued to lose ground to start this week. With little economic data coming out to help guide rates, headlines will play a bigger role this week. Unfortunately, rates are more likely to creep higher than continue to improve.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
• Stocks: Mortgage rates' improvement last week was in large part due to stock market weakness, particularly in the AI sector, and investors moving money into bonds for safety. Mortgage bonds benefited from the move, helping rates improve. Stocks could continue to play a role this week, especially with little in the way of economic data.
• Oil: Oil prices moved higher again, but efforts to lower prices at the pump by temporarily suspending federal and state taxes have helped limit the impact on mortgage rates.

10/14/2026

Your friend just bought a house, and now you're comparing their mortgage to yours. 🏡

But here's the thing: Just because you're both buying a home doesn't mean you're getting the same loan.

Your loan terms, monthly payment, closing costs, down payment, loan type, and credit score can all make your mortgage look different from someone else's.

That's why comparing numbers without understanding what's behind them can be misleading.

💬 Message me "𝗖𝗢𝗠𝗣𝗔𝗥𝗘" and let's look at what actually makes sense for YOU.

10/12/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗢𝗰𝘁𝗼𝗯𝗲𝗿 𝟭𝟮, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝗱 👍
After moving higher to start the week, mortgage rates got a little better as the week went on, ending just slightly lower than the week before. It wasn't a big improvement, but at least it broke the streak of rates moving higher over the last few weeks.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
There are some early signs that mortgage rates may be done climbing, at least for now. We could still see some ups and downs this week though, especially with inflation data coming out in the middle of the week.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
• Inflation data: Consumer inflation data comes out Wednesday, followed by wholesale inflation data on Thursday. If inflation is lower than expected, rates could improve a little more, but higher inflation could push them back up.
• Oil: Oil prices will continue to influence mortgage rates this week, although the connection between the two hasn't been quite as strong recently.
• The Fed: The Fed raised its policy rate in September, but markets have recently backed off expectations for another increase in October. This week's inflation reports and comments from Fed officials could change those expectations.

Address

377 E Chapman Avenue, Suite 200
La Habra Heights, CA
92870

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+15625877440

Website

https://www.crosswalkmortgage.com/, http://www.lauracontrerasmortgage.com/

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