Robert J Dylina - Loan Officer NMLS# 967879

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.

d/b/a E Mortgage Capital, NMLS # 1416824 http://www.nmlsconsumeraccess.org/

https://www.emortgagecapital.com/licensing

You probably think as a general rule of thumb, brand new homes costs more than existing homes. But right now, that's bac...
09/02/2026

You probably think as a general rule of thumb, brand new homes costs more than existing homes. But right now, that's backwards. This shows just how much.

A newly built home costs about $40k less than an existing one right now. That's because builders are cutting prices and piling on incentives to keep their inventory moving.

And that opens up a window for you to get brand new everything for less than you may expect.

DM me if you want a list of nearby new home communities offering deals like this right now to see if a new build may be in your budget after all.



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

09/01/2026

Buying soon? You’ve got more pull than you might expect. Right now, there are more sellers than buyers on the market. And that means sellers know they’ll have to give a little to get their house sold. Exactly how much negotiating power you have depends on where you’re looking. So, let’s chat about how much power you have here, then turn it into a set of keys. 



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

Have you seen the headlines about using your 401(k) to cover a down payment?Tapping it can feel like an easy call, espec...
08/31/2026

Have you seen the headlines about using your 401(k) to cover a down payment?

Tapping it can feel like an easy call, especially if you’ve got a good chunk saved up. But pulling from retirement early can trigger penalties and set back the savings you'll want later on.

But you don’t necessarily have to raid your retirement to buy a home. You’ve got other options, like FHA loans, which let qualified buyers put down as little as 3.5%. And down payment assistance programs can help, too.

So, before you touch your 401(k), talk with a trusted financial advisor. They can help you find the option that fits your goals and your budget.



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

Think every home on the market is out of reach? Not necessarily.More than 40% of sellers are dropping their asking price...
08/28/2026

Think every home on the market is out of reach? Not necessarily.

More than 40% of sellers are dropping their asking price right now. And the median list price this July was the lowest for any July in 5 years.

That means sellers aren’t banking on bidding wars or expecting buyers to pay whatever they ask. They’re more willing to meet you where you’re at.

And that could work in your favor. Want to find out how much wiggle room you have on price in our market? DM me.



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

A lot of people are hoping for the same thing. Lower mortgage rates. Lower home prices.The problem? Forecasts show that’...
08/27/2026

A lot of people are hoping for the same thing. Lower mortgage rates. Lower home prices.

The problem? Forecasts show that’s probably not what’s in the cards. At least, not right now.

Mortgage rates aren’t expected to fall dramatically. And at the same time, home prices should keep rising at about the same pace they have been.

Now, that’s not what you wanted to hear, but it doesn’t mean you’re out of options.

Sometimes the best move isn't waiting for the market to change. It's exploring what's still possible right now.

Other people are still making it happen even with rates and prices where they are. Maybe you can too.

Let's talk if you want help thinking it over.



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

Quick question: what's the one word you'd use to describe this year so far?For a lot of people, it's stressful. And when...
08/26/2026

Quick question: what's the one word you'd use to describe this year so far?

For a lot of people, it's stressful. And when everything feels shaky, it’s easy to second-guess the move you were ready to make. But the truth is, the housing market is one thing that’s been remarkably stable.

Home prices have been relatively steady for about 4 years now. The number of homes for sale is right about where it was last year (up 2%). And mortgage rates have held in the same general 6-7% range since late 2022.

A steady market comes with a perk. You can actually plan. What works for your budget today probably won’t look all that different in a few months.

You don’t have to wait for things to calm down. The housing market’s already pretty steady. Send me a DM or drop a comment...



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

Thinking about selling, but worried your deal could fall apart before closing? Here's some perspective.Most home sales s...
08/24/2026

Thinking about selling, but worried your deal could fall apart before closing? Here's some perspective.

Most home sales still make it to the finish. And when one doesn't, the top reason is almost always inspection or repair issues. They play a part in more than 70% of deals that fall through.

But, luckily for you, inspection/repair issues are what you have the most power to prevent ahead of time. A pre-listing inspection lets you find and handle problems before a buyer's inspector ever does.

Ready to list? Let's talk about whether getting a pre-listing inspection makes sense for your house in our market.



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

When's the last time someone told you what your house is worth?Not what some online estimate says. Not what your neighbo...
08/21/2026

When's the last time someone told you what your house is worth?

Not what some online estimate says. Not what your neighbor's place sold for. What your house is actually worth today.

If you're like most people, it's been years. And that number is worth a second look, especially now because it also tells you how much equity you have.

Data shows homeowners have an average of about $311k of equity today. That’s six figures. Once you sell, you can use that to put more money down or even buy your next house in cash.

So, today’s rates and prices may not be holding you back as much as you think.

If you're even thinking about what's next, let's talk. I’d be happy to do a free equity assessment and show you exactly what you're working with.

The number might just...

-UpHomebuyer

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 latest home price data just made one thing clear. More markets are seeing prices rise. And fewer are seeing them fal...
08/20/2026

The latest home price data just made one thing clear.

More markets are seeing prices rise. And fewer are seeing them fall.

Just one quarter ago, home prices were rising in 71% of markets. Today, it's 80%. That’s a pretty big shift in just 3 months.

Now, that doesn't mean prices are climbing everywhere. But it does mean there’s no widespread crash happening. If anything, prices may have turned a corner.

Thinking about making a move? Send me a DM, and let's look at what's happening in our market before you decide what to do.

And don’t buy into every headline you see about prices falling. The data clearly tells a different story.



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

One of the biggest stories in the housing market these past few years has been how much the supply of homes for sale has...
08/19/2026

One of the biggest stories in the housing market these past few years has been how much the supply of homes for sale has grown. It’s the #1 bright spot for buyers in this market.

But you may have heard that growth has been slowing down.

It’s true it went from +31% a year ago to just +2% now. But that’s no reason to worry about your move.

Because nationally, inventory has been up year-over-year for 33 straight months. And the latest data shows the slowdown may have already hit its floor.

Plus, since rates aren't expected to come down much anytime soon, inventory growth may be about to pick back up.

The bottom line? Inventory is still better than it was last year – and that gives you options. And even more choices may be coming soon.

Wondering what this...



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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