_chandlerrobbins

_chandlerrobbins Mortgage Advisor 🏡 Purchase | Refinance | Investment Service | Passion | Drive Call/Email/Text Anytime

Chandler Robbins is a direct mortgage lender, specializing in residential lending and predominantly servicing the Southern California region. As a direct lender and approved seller with both Fannie Mae and Freddie Mac, Chandler offers a full menu of products and programs, including conventional loans, FHA, VA, and a wide range of non-conforming (jumbo) programs up to $5MM utilizing our in-house products, and higher amounts through brokered outlets

07/03/2026

A price cut does not automatically mean the seller is desperate. But it does mean buyers have more room to negotiate than they did a year or two ago and knowing how to use that room intelligently is what separates smart buyers from the ones who lose deals they could have won.

Here is the mistake I see buyers making consistently right now. They hear that sellers are reducing prices across the market and assume that every single listing can be lowballed aggressively. That is simply not how it works. A home that was overpriced by $50,000 and just had a price cut may still not be a steal at the new number. It may still be significantly above what comparable sales support. And a home that is priced correctly in a strong neighborhood may still attract multiple offers regardless of what is happening in the broader market.

So before you throw out a low offer look carefully at three specific things. How long has the home been sitting on the market compared to what is typical in that area? How is it priced compared to recent actual sales of similar homes nearby? And has the seller already reduced the price once or multiple times? If the home has been sitting with no offers and the seller has already made cuts that combination is where your leverage genuinely lives.

But here is what most buyers miss entirely. The best offer is not always the lowest number. Sometimes it is the cleanest terms. Strong financing, a flexible closing timeline, and minimal contingency friction can make a well-structured offer more attractive than a lower one from a less prepared buyer every single time.

Follow me for more smart home buying strategies.

07/01/2026

If you were waiting for mortgage rates to drop, May was a frustrating reminder that rates do not move in a straight line and that trying to time the market perfectly is one of the most difficult strategies any buyer can attempt to execute.

One hotter-than-expected inflation report can push rates higher fast and that is exactly what we saw. But that does not mean your window has closed. It means you need a plan that works even when rates move against you rather than a strategy built entirely on hoping for the right conditions to appear on their own.

Here is what I tell every buyer in this environment. Do not shop based on the lowest rate you saw on a website two weeks ago because that rate may simply not exist anymore. Shop based on what you can genuinely afford today and build a cushion into your budget in case rates shift before you get under contract. Markets move and being caught off guard by a rate change after finding a home you love is an entirely avoidable situation with the right preparation.

Once you find the right home have a real and thorough conversation with your lender about every tool available to you. Rate locks, seller credits, temporary buydowns, and permanent buydowns can all meaningfully improve your monthly payment without requiring rates to fall on their own. Each of these tools exists precisely for this kind of market environment.

Waiting can absolutely be a legitimate strategy when it is grounded in something real and observable. If prices are softening in your specific market or inventory is improving and creating better options then waiting has a logical foundation. But waiting simply because you are hoping rates magically drop to a number that felt comfortable at some point in the past is a strategy that has consistently produced worse outcomes for buyers over the last two years.

The goal is not to predict the market perfectly. It is to buy when the numbers actually make sense for your real life. Follow me for more real-world mortgage advice that helps you get there.

06/26/2026

An adjustable-rate mortgage can save you real money upfront but it is not automatically the smart move and here is the part most buyers completely miss.

The lower payment on an ARM is usually temporary. You may get a lower rate for the first 5, 7, or 10 years but after that the rate adjusts based on market conditions. So the question you need to be asking is not whether you can afford the payment today. The question is what happens if that payment goes up significantly later and whether your financial situation can handle that movement without serious strain.

ARMs are not the same risky products that contributed to the 2008 crisis. They come with rate caps and consumer protections that did not exist back then. But they still require a clear and deliberate plan to work effectively. They make genuine sense if you know you will sell the property before the adjustment period begins, if you plan to refinance when rates improve, or if you intend to pay the loan down aggressively before the adjustment kicks in. Each of those represents a legitimate and well-considered strategy.

But if you are already stretching at the edge of what you qualify for and you are using an ARM specifically to access a payment that a fixed rate would not allow, that is where the real danger lives. You are essentially borrowing against a future rate environment you cannot control.

Before committing to an ARM ask your lender to show you three numbers: the starting payment, the maximum possible future payment, and the worst-case adjustment scenario. When you can see all three clearly you can make a genuinely informed decision rather than a hopeful one.

The ARM is not the problem. Not understanding the risk is the problem. Follow me for more mortgage tips buyers need before they sign.

06/24/2026

Three big stories collided this week and together they point to real opportunity ahead for buyers who are paying attention.

First, a new peace framework reopened the Strait of Hormuz and oil prices fell more than 5 percent in response. That matters more than most people realize for the mortgage market because energy has been the primary driver of the inflation that has been keeping rates elevated. Headline inflation just came in at 4.2 percent with energy alone up over 23 percent year over year. That one category has been doing the heavy lifting on the scary headline number.

Here is the genuinely good news buried underneath that headline. Strip energy out and core inflation rose just 0.2 percent for the month. This has been an energy story, not a runaway structural inflation story. Those are two very different situations with very different implications for where rates go from here.

The Fed held rates steady this week which was widely expected. But with energy prices now easing meaningfully, there is real room for the inflationary pressure that has been keeping mortgage rates elevated to start coming off. That is a meaningful shift in the forward-looking picture.

The buyers who win in this environment are the ones who focus on what they can actually control: their local inventory, the quality of their offer, and their timing relative to their personal life and financial situation. National headlines set the mood. Your zip code sets the deal.

Follow me for more on what the big picture means for your specific market.

06/16/2026

Inflation just hit a three-year high and your clients are going to see that headline and feel nervous. Here is the good news you get to share with them right now.

Yes, the top number came in at 4.2 percent. That sounds alarming on its own. But the real story underneath that headline is significantly calmer than it appears. More than 60 percent of that increase came from one place: energy and gas prices. Strip those out and look at core inflation, the number the Federal Reserve watches most closely, and it rose just 2.9 percent for the year, which actually came in softer than experts were expecting. That is a very different picture from the headline number.

That is exactly why the Fed is widely expected to hold rates steady at next week's meeting. The underlying data does not support an emergency response and the Fed knows the difference between headline noise and structural inflation.

When a client brings you that scary headline, you now get to be the calm and trusted voice who walks them through what is actually happening behind the number. That is exactly the kind of guidance that turns a nervous buyer into a confident one who is ready to make a smart decision rather than freeze in place.

The headline was loud. The underlying data was not. Follow me for more on what the headlines actually mean for housing and mortgage rates.

This was a fun one. 💥The more complex  your financial life may be, the more you need an expert to help guide you. If you...
06/19/2022

This was a fun one. 💥
The more complex your financial life may be, the more you need an expert to help guide you.

If you’re:
Self employed
Non-traditional income
Gig worker
STUDIO Person

Give me a call!

19 Days 💥Nice little condo fixer in Pasadena located near PCC. Congrats to my buyer on an excellent purchase and thank y...
06/07/2022

19 Days 💥
Nice little condo fixer in Pasadena located near PCC. Congrats to my buyer on an excellent purchase and thank you to my buyers agent!

Boom!! 💥 So excited for my first time homebuyers (such a beautiful young family) to move into their new home! BIG thank ...
06/02/2022

Boom!! 💥
So excited for my first time homebuyers (such a beautiful young family) to move into their new home!

BIG thank you to my realtor partner for trusting me with her clients. To many more together!! 🥂

Great night with  discussing real estate. 🏡 Kay is a resilient woman and a tenacious realtor. Check out her real estate ...
05/17/2022

Great night with discussing real estate. 🏡

Kay is a resilient woman and a tenacious realtor. Check out her real estate profile and get in touch with her.

Looking forward to helping you strengthen your business!

Thank you, Margaux! Humbled that you looked me up and called me to help you get qualified for your home purchase in Wash...
05/05/2022

Thank you, Margaux!
Humbled that you looked me up and called me to help you get qualified for your home purchase in Washington State.

Address

13412 Ventura Boulevard, Suite 300
Los Angeles, CA
91423

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