Brian Kapferer Home Loans NMLS #345349

Brian Kapferer Home Loans NMLS #345349 When working with me, you'll get the experience of a true professional and the advice of a friend. I compare all of them, Saving you the time and hassle!

Whether it's a Home Purchase or a Refinance being a mortgage Broker I represent you, not the lender. Because I'm not an employee of a lending institution, I'm not limited in the products I can offer you. As a broker I seek out the best lender package to suit your specific situation, whether it’s with a Chartered Bank, Trust or Insurance Company, Private Funds or one of the big banks such as US Bank, Wells, Chase or Citi.

09/06/2026

Happy Labor Day! | applywithbriank.com

Homebuying Affordability Improves in Some California Cities, But San Francisco Becomes CostlierAs a mortgage broker work...
09/06/2026

Homebuying Affordability Improves in Some California Cities, But San Francisco Becomes Costlier
As a mortgage broker working with clients across San Diego and beyond, I keep a close eye on how affordability shifts in our California cities. Recently, we’ve seen some relief in places like San Jose and Los Angeles—home prices there have softened, which means the income needed to qualify for a home is coming down. However, here in San Diego (and especially San Francisco), affordability continues to be a challenge with demand still driving prices upward.

For buyers—especially first-timers or those considering a move—these regional changes can make a real difference in your options and planning. Navigating these local trends is exactly where the right loan strategy matters. Every buyer’s situation is unique, and with access to a wide network of lenders, my goal is to help you find the loan that fits—not just what’s on the shelf. If you’re curious how these shifts might impact your next step in the San Diego market, I’m always here to offer clear answers and personalized guidance.
https://www.housing-trends.com/agent-news/brian-kapferer-2098270/1874380-Homebuying-Affordability-Improves-in-Some-California-Cities%2C

09/04/2026

Buy in San Diego With Confidence
Let’s connect and talk about the latest insights in the industry!

09/02/2026

US Brokers: Optimism for Hesitant Clients | applywithbriank.com

09/02/2026

Cómo comprar una casa: Guía para compradores actuales
Let’s connect and talk about the latest insights in the industry!

09/01/2026

U.S. Condo Loans: Tougher Rules, Higher HOA Reserves | applywithbriank.com

Should You Rent or Buy a Home in California in 2026?The classic question for Californians—should you rent or buy in 2026...
08/29/2026

Should You Rent or Buy a Home in California in 2026?
The classic question for Californians—should you rent or buy in 2026? As a San Diego-based mortgage broker, I spend a lot of my days helping folks weigh this exact decision. In California's major metro areas, sky-high ownership costs often mean renting remains the more affordable choice. On the other hand, if you're looking in the Central Valley, buying may actually make more financial sense. The right answer really comes down to your situation: if you plan to put down roots and have some savings, buying can be a smart move—even with mortgage rates around 6%. But if your plans are short-term or your finances feel a bit shaky, renting might be safer, especially as rents continue to climb. This is one of those moments when a clear-eyed look at your own priorities pays off. My role is to make sure you know every angle, so you can make a confident decision—no one-size-fits-all advice, just honest guidance.
https://www.housing-trends.com/agent-news/brian-kapferer-2098270/1885334-Should-You-Rent-or-Buy-a-Home-in-California-in-2026%3F

08/28/2026

I cannot say enough good things about Brian. He spent so much time and effort advocating for me duri...
Let’s connect and talk about the latest insights in the industry!

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8169 Fairview Avenue
La Mesa, CA
91941

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+16512475811

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