United Home Mortgage Corporation

United Home Mortgage Corporation Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from United Home Mortgage Corporation, Financial service, 2300 Contra Costa Boulevard, Pleasant Hill, CA.

What Is a Jumbo Loan? Limits, Rates, and RequirementsJumbo loans are a distinct mortgage product, designed for financing...
09/10/2026

What Is a Jumbo Loan? Limits, Rates, and Requirements
Jumbo loans are a distinct mortgage product, designed for financing properties that exceed conforming loan limits—often luxury or high-value homes. With over 25 years in mortgage lending, I’ve seen how these loans require a higher standard from borrowers: stronger credit scores, substantial down payments, low debt-to-income ratios, and a healthy cash reserve. The underwriting process is more rigorous, with added documentation and typically higher costs, but the benefits are significant—access to larger loan amounts and flexible terms. Navigating these requirements can be complex, but understanding them is key for clients considering high-value property investments.
https://www.housing-trends.com/agent-news/zafari-asad-united-home-mortgage-corporation-est1974/1873767-What-Is-a-Jumbo-Loan%3F-Limits%2C-Rates%2C-and-Requirements

09/09/2026

California: $212K Income to Buy a Home | Contact us today at [email protected] for more information
As someone with over 25 years in mortgage lending, I’ve seen California’s housing market evolve in ways that impact every household. With the median home price now close to $930,000, it takes an annual income of about $212,000 just to compete—far outstripping the average income of roughly $116,000. Even those with steady jobs, solid salaries, and years of savings can feel locked out, a reality I’ve witnessed firsthand throughout my career. In the Bay Area, the numbers are even more daunting, with typical homes approaching $1.4 million. It’s clear that for more and more families, homeownership is starting to feel like a luxury rather than a milestone. While strategies such as saving more, reducing debt, or considering a move farther from major job centers may help, budgeting alone can’t always bridge the gap. The real question now is: who does California still work for? Ordinary working families face tough odds, and as a longtime advocate for homeownership and financial empowerment in our community, I believe we must keep this conversation front and center.

09/08/2026

Proposition 37: 17% Second Mortgage | Contact us today at [email protected] for more information
California is considering a bold new step to address the down payment hurdle that keeps so many families—especially Latino households—out of homeownership. Proposition 37 proposes a state-backed second mortgage for certain newly built homes, requiring buyers to put down at least 3%. The state could help cover up to 17% of the purchase price, so combined with the buyer’s funds, you’d reach that crucial 20% mark. The rest would be covered by a primary mortgage, with the program funded by up to $25 billion in revenue bonds. Homeowners’ loan payments would go toward repaying investors and supporting the program’s costs. Having spent over 25 years helping Californians navigate complex lending landscapes, I’ve seen firsthand how upfront cash barriers can block even the most diligent savers from owning a home—despite being able to manage monthly payments. On November 3, 2026, voters will have the chance to decide if this innovative, loan-based approach deserves a statewide rollout for qualifying new homes.

09/06/2026

Happy Labor Day! | Contact us today at [email protected] for more information

Current California Mortgage And Refinance RatesAs we track the pulse of California’s mortgage landscape, I’ve noticed th...
09/05/2026

Current California Mortgage And Refinance Rates
As we track the pulse of California’s mortgage landscape, I’ve noticed the average APR for a 30-year fixed mortgage is now at 6.672%. This is a slight dip from last week, though still higher compared to rates from 30 and 90 days ago. The 15-year fixed currently stands at 5.842%, and the 30-year jumbo has moved down to 6.917%. Decades in mortgage banking have shown me that even modest shifts carry meaning for homebuyers and homeowners alike. Staying informed on these changes is key for making sound decisions in today’s evolving market.
https://www.housing-trends.com/agent-news/zafari-asad-united-home-mortgage-corporation-est1974/1921372-Current-California-Mortgage-And-Refinance-Rates

09/02/2026

US Brokers: Optimism for Hesitant Clients | Contact us today at [email protected] for more information

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2300 Contra Costa Boulevard
Pleasant Hill, CA
94523

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