Barbara Pierce - Mortgage Broker/Realtor

11/13/2021

MORTGAGE PRO TIP - Buy when rates are low, not when prices are low...

"But home prices have gone up so fast! I'm going to wait to buy when prices come back down."

Loan Amount - $500,000
Rate - 2.99%
Principle/Interest Payment - $2105

vs.

Loan Amount - $400,000
Rate - 4.99%
Principle/Interest Payment - $2145

FACT - Rates will go up. It's not if, it's when.

If you're interested in seeing what you can do, call/text/DM me to get pre-approved today 209-629-6889. I actively fund loans throughout the state of California.

Barbara Pierce - Sr. Loan Officer
NMLS # 1436651
🏠📝🔑

02/04/2021

📣📣 2020 Purchase Roll Call 📣📣

2020 was a crazy year for a lot of reasons, but with mortgage rates at all time lows, it was also a great year to buy a home! ❤️🏠🔑😁

I fund loans throughout the state of California, and here are just a few of the cities where my clients purchased in 2020 -

Fresno
Mountain House
Roseville
Truckee
Salinas
Rocklin
Madera
Sacramento
Po***ck Pines
Elk Grove
Modesto
Clayton
San Leandro
Kings Beach

Whether you're looking for a new primary residence, a second home you plan to retire in, or a new investment property, the timing has never been better! So, my only questions are (1) where are we moving in 2021, and (2) how can I help!?

03/28/2020

This article does a great job of breaking down the current state of the mortgage industry. Long article, but worth the read.

The current Coronavirus crisis is having a critical impact on the Mortgage Industry, which could potentially make the 2008 financial crisis pale in comparison. The pressing issue centers around capital that’s required by Mortgage Lenders to be able to function and meet covenants that are required ...

03/17/2020

This article accurately explains what's going on in the mortgage market right now, it's worth the read. All the more reason why , I shop your loan through dozens of lenders to ensure you're getting the best rate at the lowest cost. Call/text/email with any questions, I'm happy to help! NMLS #1436651

As homeowners rush to lock in record low mortgage rates by refinancing, a strange thing is happening: They can’t get those rates.

03/15/2020

Everyone repeat after me - The Fed rate has NOTHING to do with mortgage rates.

*further explanation in comments

02/25/2020

If your interest rate is currently above 4% on your home, you NEED to reach out to me!! Rates are at historic lows and you are missing out on an extremely unique opportunity to lower your monthly payment or pay off higher interest rate debt.

Shoot me a private message if you’d like me to take a look at your scenario and see what you can start saving before spring is here!! 🌺 💵

NMLS 1436651
[email protected]

12/02/2019

11/05/2019

Some good points both ways...

Here is a list of things to consider before making your decision to buy a home with all cash or a mortgage. Learn these general principles of cash vs. mortgage investment on your home purchase.

10/30/2019

Friendly reminder to never give up 🥰🐕‍🦺🍕

09/27/2019

Happy Friday everyone! As a Mortgage Advisor, I stay on top of economic trends that affect rates. Here is some insight into what has been moving rates this week, enjoy!

It's been a volatile month for the 30-year fixed-rate average, which dropped to 3.64 percent this week.