Equity Mortgage Inc.

Equity Mortgage Inc. Real Estate, Real Estate Company, Real Estate Service

A $20,000 builder incentive sounds great, but where you use it can matter just as much as how much you receive. 🏡💰 Depen...
08/27/2026

A $20,000 builder incentive sounds great, but where you use it can matter just as much as how much you receive. 🏡💰 Depending on the financing and program guidelines, eligible incentives may help with closing costs, a rate buydown, prepaids or other allowable expenses. The right strategy could reduce your cash to close, improve your monthly payment, or help preserve more of your savings after closing. Don’t just negotiate the incentive. Make sure you understand how to structure it.

🏡 New-home inventory just hit 9.6 months of supply nationally.For first-time buyers, that could mean an opportunity to l...
08/26/2026

🏡 New-home inventory just hit 9.6 months of supply nationally.

For first-time buyers, that could mean an opportunity to look beyond the asking price. Builder incentives, down payment assistance, rate buydowns, and smart cash-to-close planning may all play a role.

The goal isn't just getting into the home. It's building a financing strategy that leaves you in a stronger position after closing.

A great credit score can help, but it doesn't tell the whole mortgage story. 🏡 Your income, debt, assets, down payment, ...
08/25/2026

A great credit score can help, but it doesn't tell the whole mortgage story. 🏡 Your income, debt, assets, down payment, reserves and loan program all work together to determine your financing options. And for some California homebuyers, DPA and builder incentives may create additional opportunities worth exploring. Know your complete mortgage picture before deciding what's possible.

California's housing market is showing some movement. 🏡📉 Mortgage rates eased to 6.65%🏠 California's median price fell t...
08/23/2026

California's housing market is showing some movement. 🏡

📉 Mortgage rates eased to 6.65%
🏠 California's median price fell to $887,680
🏗️ 63% of builders are offering incentives
💰 35% of builders are cutting prices

Affordability is still challenging, but buyers may have more financial levers than they realize.

Don't wait for one number to fix affordability. Build the combination that works for you.

A $700,000 home doesn't automatically mean you need $140,000 down. Depending on your qualifications, lower down payment ...
08/22/2026

A $700,000 home doesn't automatically mean you need $140,000 down. Depending on your qualifications, lower down payment options, DPA, affordable lending programs and builder incentives could change the numbers significantly.

The key is to understand your complete financing strategy, not just the down payment.

🏡 Mortgage Myth Friday: You don't always need 20% down.Qualified buyers may have mortgage options requiring as little as...
08/21/2026

🏡 Mortgage Myth Friday: You don't always need 20% down.

Qualified buyers may have mortgage options requiring as little as 3% down, and DPA or builder incentives could further change the cash-to-close equation. The goal isn't simply putting the most money down. It's finding the right balance between monthly payment, cash to close and reserves after closing.

Builder incentives can be valuable, but the biggest number is not always the best deal. With 63% of builders using incen...
08/20/2026

Builder incentives can be valuable, but the biggest number is not always the best deal. With 63% of builders using incentives, buyers should ask whether those dollars are better applied toward eligible closing costs, a rate buydown, or a price reduction. If down payment assistance is already covering part of the transaction, that strategy becomes even more important.

The incentive is only the opportunity. How you use it creates the value.

California buyers are becoming homeowners later, but waiting until you have a 20% down payment may not always be necessa...
08/19/2026

California buyers are becoming homeowners later, but waiting until you have a 20% down payment may not always be necessary. Down payment assistance, affordable lending programs, builder incentives, and other financing options could change your path to homeownership. The key is knowing "your actual numbers" before deciding how much you need to save.

🏡 Your credit score is not your mortgage approval.Lenders look at the complete picture, including your income, debt, ass...
08/19/2026

🏡 Your credit score is not your mortgage approval.

Lenders look at the complete picture, including your income, debt, assets, reserves and the property itself. A lower score doesn't automatically mean you can't qualify, and a higher score doesn't guarantee approval.

Don't qualify yourself with one number. Build the complete file.

🏡 California Homebuyers: Builder Incentives Remain High63% of builders are offering incentives, while 35% are cutting pr...
08/17/2026

🏡 California Homebuyers: Builder Incentives Remain High

63% of builders are offering incentives, while 35% are cutting prices.

The opportunity may not just be in the mortgage rate. It may be in the negotiation.

Address

5800 S Eastern Avenue, Ste 500
Los Angeles, CA
90040

Telephone

+12132777167

Website

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