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Maltese Mortgage Is Firefighter Owned and Operated. We Specialize in Helping Firefighters And First

11/03/2026

Waiting for rates or home prices to drop? Before you put your plans on hold, look at what you may be able to negotiate.

On the right property, seller concessions could help with closing costs or a rate buydown. The important part is comparing the payment, upfront costs and your plans for the home.

Every seller, property and loan is different. Let’s find out what makes sense for you.

CTA: Message me BUYER to talk through your options.

Seller concessions and buydowns depend on seller agreement, loan-program limits and eligibility. A lower rate can involve upfront costs.

11/02/2026

A new housing order could eventually help some homeowners stop paying mortgage insurance, but it won’t erase PMI for everyone overnight.

The planned program would apply to some qualifying conventional loans made after it launches. The separate title-cost change is for certain refinances, not home purchases.

Paying PMI now? Check your loan’s current cancellation rules. Don’t assume this announcement has changed your payment.

10/31/2026

Eleven Halloweens ago, we closed on this house.

And surprise—people said it wasn’t a good time to buy.

“Prices are going to drop.”

“Rates are too high.”

We wanted a place to raise our kids. A yard for birthday parties. A neighborhood where they could play safely. A home where our family could gather.

The day after we closed, our entire family came over to celebrate Halloween—in our home.

Along the way, we received some incredible financial bonuses. Our home doubled in value, and six years after we bought it, rates dropped and we refinanced.

But the greatest return has been the life we’ve lived here: costumes, birthdays, family gatherings, growing kids and ordinary days that became memories.

A home’s value isn’t always measured in dollars.

Sometimes it’s measured in Halloweens. 🎃🏠

What memory makes a place feel like home to you?

10/30/2026

At first glance, down payment assistance programs like Zillow’s can look great. But the devil is in the details.

This offer provides up to 3.5% through a 0% second loan. If you refinance, sell, or move out before five years, the balance is due in full.

That’s why it’s important to shop lenders, compare different down payment assistance options, and do your homework upfront—so you understand the terms before you choose. The help today matters. So does knowing what happens if your plans change.

10/24/2026

A lower price doesn’t always mean the lowest payment.
Price + rate = payment. My buyers used a seller credit to buy the rate down instead of chasing a price cut — same budget, bigger home.
Want me to run both options for a home you like? Comment PAYMENT
Example from one recent deal — not typical, numbers vary by scenario.

10/24/2026

Same budget. Bigger home. Similar payment.
They skipped waiting for a price drop and used a seller credit to buy the rate down.
Want the side-by-side for you? Comment PAYMENT
Example from one recent deal — not typical, numbers vary by scenario.

10/22/2026

During recent annual mortgage checkups, I’ve been reviewing clients’ loans to make sure they still have the right fit. Those conversations reminded me how often buyers hear, “It’s not a good time to buy.”

Recently, one borrower locked a 30-year fixed rate around 6%. Another buyer used a temporary 1-0 buydown that put the first-year payment in the 6% range. Those are individual examples, not promises of what every buyer will get.

The right decision starts with your numbers: a payment you can comfortably afford, a home that checks your boxes, and a plan that works for your family.

It’s easy to spend a long time trying to time real estate. Take the time to see whether the home works for you.

07/13/2026

I’ve had a lot of conversations with people who want to buy but feel like they’re not ready yet.

Most of them are closer than they think.

The thing that usually holds people back isn’t their finances. It’s that they don’t have a clear picture of what “ready” actually looks like or what order to do things in.

I put together a free week by week guide that maps it out from start to finish. Twelve weeks. You’ll know exactly what to do and when.

If you want it, DM me, it’s 100% free

Address

30211 Avenida De Las Banderas
Rancho Santa Margarita, CA
92688

Telephone

+18779163473

Website

http://www.maltesemortgage.com/

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