Robert J Dylina - Loan Officer NMLS# 967879

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Robert J Dylina - Loan Officer NMLS# 967879 California's premier home loan provider. Call us or visit our website today! "E Mortgage Capital is an Equal Housing Lender"

E Mortgage Capital, Inc.

10/16/2026

The low mortgage rate you locked in a few years ago might make moving feel off the table. But your equity could put it back on.Homeowners with a mortgage have an average of $310K in equity right now. That could go toward a bigger down payment, so you borrow less at today's rates. Or, you may be able to buy your next place in cash – without needing a mortgage at all. So, don’t write off a move just yet. Let's find out how much equity you have and what it could do for you.



Let’s talk! 209-233-0121

Robert J Dylina
Manager/Senior Loan Officer
NMLS #967879

This is not a commitment to lend. E Mortgage Capital, Inc. d/b/a E Mortgage Capital, NMLS # 1416824

Home sales may be slower than last year. But that doesn't mean buyers have disappeared.At the current pace, almost 4 mil...
10/15/2026

Home sales may be slower than last year. But that doesn't mean buyers have disappeared.

At the current pace, almost 4 million homes are expected to sell this year. That's about 11,000 each day, 450 an hour, and nearly 8 every minute.

Why? Because even in this market, there are still buyers out there who have a reason to move.

People get new jobs, families grow, people retire, downsize, and move closer to the people they love. And those changes create buyers and sellers in every kind of market.

In fact, the latest report from NAR shows sales actually ticked up slightly in September, even though they're still below last year's pace.

So, don't let a headline convince you no one is buying. You don't need every buyer. You just need the right one – and a strategy...



Let’s talk! 209-233-0121

Robert J Dylina
Manager/Senior Loan Officer
NMLS #967879

This is not a commitment to lend. E Mortgage Capital, Inc. d/b/a E Mortgage Capital, NMLS # 1416824

Hoping mortgage rates will come down soon? The latest inflation report just made that outlook a little more complicated....
10/14/2026

Hoping mortgage rates will come down soon? The latest inflation report just made that outlook a little more complicated.

Inflation climbed to 3.7% in September, higher than economists expected. And while rising gas prices were a big driver, costs increased across several other categories too.

Why does that matter for housing? Because stubborn inflation makes it harder for the Fed to justify lowering their Federal Funds Rate. It could even increase the chances of another hike.

Now, the Fed doesn't directly control mortgage rates. But inflation and Fed expectations influence them, which means there's no guarantee mortgage rates will move lower anytime soon.

If you're planning to buy or sell, don't let a hoped-for rate drop be the only thing driving your timeline...



Let’s talk! 209-233-0121

Robert J Dylina
Manager/Senior Loan Officer
NMLS #967879

This is not a commitment to lend. E Mortgage Capital, Inc. d/b/a E Mortgage Capital, NMLS # 1416824

Planning for the years ahead often comes down to one big decision: stay or move.Staying in your house could mean you hav...
10/13/2026

Planning for the years ahead often comes down to one big decision: stay or move.

Staying in your house could mean you have to do some updates like grab bars, walk-in showers, and wider doorways. Moving to a 55+ community lets you skip the remodel and puts a lot of perks right outside your door.

Many offer on-site amenities, added security, and an HOA that takes care of shared spaces. Plus, they make it easy to feel connected to the people around you.

And the equity you've built in your current house could help you make the move.

Weighing your options? Reach out to talk through what makes the most sense for you.



Let’s talk! 209-233-0121

Robert J Dylina
Manager/Senior Loan Officer
NMLS #967879

This is not a commitment to lend. E Mortgage Capital, Inc. d/b/a E Mortgage Capital, NMLS # 1416824

Worried you might regret buying a home right now? Even though rates are still higher than buyers would like, everyday co...
10/12/2026

Worried you might regret buying a home right now?

Even though rates are still higher than buyers would like, everyday costs are up, and the economy feels uncertain, a recent NerdWallet survey found most buyers who’ve already made the leap say they’re glad they did. Only 3% actually regret it.

That’s a good reminder that homeownership isn’t really about whether you bought at the “perfect” time, rate, or price. It’s about what owning a home can do for you over time.

As home values rise and you pay down your mortgage, you build something called equity. And that equity can eventually give you more flexibility, more financial options, and more freedom when it’s time for your next move.

So, if buying is something you still want, don’t let today’s uncertainty...



Let’s talk! 209-233-0121

Robert J Dylina
Manager/Senior Loan Officer
NMLS #967879

This is not a commitment to lend. E Mortgage Capital, Inc. d/b/a E Mortgage Capital, NMLS # 1416824

There's been some talk about whether mortgage rates could climb to 9%. Here's some perspective.Getting there would take ...
10/09/2026

There's been some talk about whether mortgage rates could climb to 9%. Here's some perspective.

Getting there would take a rare mix of things, all lasting a full year: a booming economy with no slowdown in jobs, the Fed raising rates more than expected, and the conflict in Iran continuing to keep oil prices high.

That's an unlikely combination. So, don’t let it make you worry.

Have questions about mortgage rates? Drop them in the comments. That's what a trusted agent is for – keeping you informed so a headline never makes your decisions for you.



Let’s talk! 209-233-0121

Robert J Dylina
Manager/Senior Loan Officer
NMLS #967879

This is not a commitment to lend. E Mortgage Capital, Inc. d/b/a E Mortgage Capital, NMLS # 1416824

Over half of homes (60%) are selling below their original asking price right now. And that stat’s held steady for about ...
10/08/2026

Over half of homes (60%) are selling below their original asking price right now. And that stat’s held steady for about a year and a half.

With affordability still so tight, having room to negotiate on price will take some of the biggest financial pressures off your move.

Where you've got the most pull comes down to the neighborhood. Let's chat, and we'll pinpoint where you can push hardest.



Let’s talk! 209-233-0121

Robert J Dylina
Manager/Senior Loan Officer
NMLS #967879

This is not a commitment to lend. E Mortgage Capital, Inc. d/b/a E Mortgage Capital, NMLS # 1416824

The Fed is raising the Fed Funds Rate to cool inflation, and that can keep upward pressure on mortgage rates for a while...
10/07/2026

The Fed is raising the Fed Funds Rate to cool inflation, and that can keep upward pressure on mortgage rates for a while. But you can still make a move that works for you.

It just takes the right strategy.

Buyers need to know their real budget at today's rates. Sellers need a price and plan that fits what buyers can afford right now.

Relief on rates could take some time. If you're thinking about a move, let's put together a game plan built for today's rates, so you'll know your next step.



Let’s talk! 209-233-0121

Robert J Dylina
Manager/Senior Loan Officer
NMLS #967879

This is not a commitment to lend. E Mortgage Capital, Inc. d/b/a E Mortgage Capital, NMLS # 1416824

10/06/2026

Good news if you're house hunting: the asking price may not be the final word. Right now, about 60% of homes are selling below their original asking price. With budgets stretched thin, a little give on price or terms can take some pressure off your wallet. But how much you can negotiate depends on where you're buying. So, let's chat about what you can ask for in the neighborhoods you're eyeing.



Let’s talk! 209-233-0121

Robert J Dylina
Manager/Senior Loan Officer
NMLS #967879

This is not a commitment to lend. E Mortgage Capital, Inc. d/b/a E Mortgage Capital, NMLS # 1416824

Feeling like buying your first place is still years away? Here’s how to shortcut it.While data shows saving up and reach...
10/05/2026

Feeling like buying your first place is still years away? Here’s how to shortcut it.

While data shows saving up and reaching the break even point where owning costs about the same as renting usually takes around 15 years, there are ways to get there faster.

If you set your sights on a starter home, it’s actually closer to seven years. That cuts the time in half. You’re looking at 4.6 years to save and 2.6 to break even.

But keep in mind, those numbers assume you put 20% down. Most first-time buyers put down far less, so that saving timeframe can shrink even more.

DM me, and I'll share a few ways to reach your first home sooner – like talking to a lender about down payment assistance programs.

Since you’ve probably already been saving for a while, you...



Let’s talk! 209-233-0121

Robert J Dylina
Manager/Senior Loan Officer
NMLS #967879

This is not a commitment to lend. E Mortgage Capital, Inc. d/b/a E Mortgage Capital, NMLS # 1416824

Address

3313 M Street
Merced, CA
95348

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

+12092330121

Website

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