The Oliver Group Lending Team NMLS 989515

08/13/2026

Weekly Real Estate Market Update 🏡📊

The housing market is sending a mixed message this week.

Mortgage rates have moved higher, with the national average for a 30-year fixed mortgage recently reaching around 6.8%. Higher borrowing costs are putting pressure on buyer demand and continuing to make refinancing less attractive for many homeowners.

But there’s another side to the story: buyers are gaining a little more negotiating power in some markets as inventory increases and sellers become more willing to adjust pricing.

So what does this mean?

The market isn't simply “going up” or “going down.” We're seeing a more neighborhood-specific and price-sensitive market where the right price, property condition, and financing strategy matter more than ever.

For buyers, higher rates remain a challenge, but more negotiating opportunities may be emerging.

For sellers, pricing strategically from day one is becoming increasingly important.

📈 The bottom line: Affordability is still challenging, but buyers may be getting more leverage in certain markets. If you're thinking about buying or selling, don't rely on national headlines, look at what's happening in your specific neighborhood.

If you'd like to know what the current market looks like for your home or the area you're considering buying in, feel free to reach out. I'm happy to provide a no-pressure market analysis.

National news and local views for the week

07/23/2026

Did you know you may be able to lower your monthly mortgage payment without losing your current interest rate? 💰🏡

If you have at least $10,000 available to apply toward your mortgage principal, a mortgage recast could be a smart option.

A mortgage recast allows a lender to recalculate your monthly payment based on your new, lower loan balance while keeping your current interest rate and remaining loan term the same.

This strategy may be a great fit if you've recently received a bonus, inheritance, sold another property, or simply want to reduce your monthly payment.

Every homeowner's situation is different, so if you're wondering whether a mortgage recast makes sense for you, I'd be happy to review your options and help you make an informed decision.

📩 Send me a message or give me a call to learn more!

07/16/2026

🏡 OPEN HOUSE THIS WEEKEND! 🎉
If you are interested in the Lake Elsinore area, come tour this beautiful home located at:
📍 29209 Catalpa, Lake Elsinore, CA
If you've been searching for a spacious, modern home, you won't want to miss this one!
✨ Property Highlights:
✅ 3 Bedrooms
✅ 2.5 Bathrooms
✅ Nearly 2,800 sq. ft. of living space
✅ Desirable single-story floor plan
✅ Open and spacious layout that's perfect for entertaining
✅ Attached garage
✅ Built in 2018 with modern finishes
✅ Situated on a generous 7,405 sq. ft. lot
Whether you're looking for room to grow, a home that's ideal for entertaining, or the convenience of single-story living, this property checks all the boxes.
Come see why this could be your next home!
📍 29209 Catalpa, Lake Elsinore, CA
We look forward to seeing you at the Open House! We will be there Saturday and Sunday from 12:00 to 3:00!
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Lake Elsinore, California

06/25/2026

🏡 Could the new 21st Century ROAD to Housing Act create more opportunities for future homebuyers?

One of the biggest challenges in today's housing market isn't just interest rates—it's the lack of available homes. This new legislation aims to increase housing supply, encourage affordable housing development, and help create a more balanced market for everyday buyers.

Will it lower mortgage rates? No.

Could it help create more housing opportunities and reduce competition over time? Potentially, yes.

If you're thinking about buying a home this year, next year, or somewhere down the road, the best strategy isn't waiting for the "perfect" market—it's understanding your options and creating a plan.

Watch my latest video for a breakdown of what this bill could mean for homebuyers and homeowners.

Have questions about your buying power, monthly payment, or available programs? Send me a message and let's build your homeownership game plan.

06/08/2026

🏡 Finding the perfect home is only part of the equation. The terms you negotiate, the financing you choose, and the timing of your purchase can have a lasting impact on your financial future.

In today's market, opportunities still exist for buyers who know where to look and how to position themselves strategically. A well-structured offer can save you thousands upfront, while the right loan can help keep your monthly payment aligned with your goals.

Whether you're a first-time buyer or planning your next move, having a game plan before you start shopping can make all the difference.

Thinking about buying a home? Send me a message. I'd be happy to help you explore your options and create a strategy that works for you. 🔑🏠

05/13/2026

🏡 Your credit score plays a major role behind the scenes when it comes to buying a home. It can affect everything from your loan options and interest rate 📊 to how competitive you are as a buyer.

The good news? 🙌 Understanding how credit works puts you in a stronger position to plan ahead and even small improvements can make a big difference over time. 📈💳

If you’re thinking about buying a home and want guidance on where to start, send me a message 📩. I’d be happy to help you begin your homeownership journey! 🔑🏠

04/29/2026

🏡 Another happy homeowner and another successful refinance! 🎉
I recently had the pleasure of helping a client refinance their home, and the results were fantastic:
✨ Lowered their interest rate to 5.625%
✨ Reduced their monthly payment by $400
✨ No lender fees charged
✨ APR matched the note rate at 5.625%
There’s nothing better than helping homeowners improve their financial position while making the process smooth, transparent, and stress-free. Saving money each month can make a real difference, and I’m grateful for the opportunity to help my clients achieve their goals.
A huge thank you to my client for trusting me with such an important financial decision. Your kind words mean the world to me! Check out their 5-star review on Zillow featured below. ⭐⭐⭐⭐⭐
If you’ve been wondering whether refinancing could benefit you, now is a great time to explore your options. Let’s connect and see how much you could save! 📞💬 I can also assist you with a Home Equity Loan if you want to access equity without and don't want to give up your current rate!

04/09/2026

Jobs growth remained weak, but the market is still focused on the potential inflationary impact of the US/Iran conflict. While mortgage rates have eased recently, they're still nearly half a percentage point higher than they were pre-war.

National news and local views for the week

04/01/2026

It was truly an honor helping this veteran first-time homebuyer and his family purchase their dream home in the Inland Empire. 🏡
Unfortunately, their journey started with another loan officer less knowledgeable and the loan was mistakenly pre-approved. Several guideline errors in the application put the entire transaction at risk, which would have likely resulted in a denial with most lenders.
Instead of letting the deal fall apart, I went to work. I leveraged my lender network and found a lending partner that could make an exception and successfully fund the loan and fast enough to make up for the time lost with the previous lender.
Even better, we were able to:
✔ Secure a significantly lower interest rate than the previous lender
✔ Reduce the overall fees
✔ Provide a $1,000 lender credit toward closing costs
Seeing this family get the keys to their new home made all the effort worth it. Helping those who have served our country achieve homeownership is something I take great pride in.
If you know veterans looking to buy a home, especially those currently working with a certain company with "Veterans" in their name, I’d love the opportunity to help them explore their options. I'm certain I will be able to offer better rates, lower fees, and a smoother process than that other company.
📩 Feel free to reach out or send them my way!