Dan the Mortgage Man

04/29/2026

Sharing some photos from The Kindness Revolution - event I got to take part in yesterday. We popped up at the Comet Gas Station on Eureka Way in Redding and handed out $25 vouchers to the first 40 people that came through. All we asked in return was that they pay it forward and do an act of kindness.

It was really incredible to see people who were stressed, busy, just dealing with the rat race of everyday life. And watching their demeanor completely change when we told them we were giving this to them. People were just so grateful for that moment of grace, and it completely changed how their days were going. Many walked away smiling and saying they were going to pass the kindness forward.

Really cool event to be a part of! Wendy Douglas Farmers Insurance Agent is in charge of the local chapter for the Kindness Revolution, and they're always looking for sponsors to help make it happen. I'll definitely be doing this again.

If you want to get involved, link below👇
https://www.facebook.com/KindnessinReddingCA

04/27/2026

Up to 1.5% in gift funds just dropped for California homebuyers. GSFA Platinum SELECT is now available to ALL eligible borrowers May 1 through June 30 only. No repayment required. Just more buyers getting into homes.

Drop a comment or DM me if you want to know if you qualify.

04/14/2026

This is the part of the market most people aren’t paying attention to.

According to Lawrence Yun, Chief Economist at the National Association of Realtors, limited inventory is still pushing home prices higher… even as sales slow down.

And that’s led to the average homeowner building $128,100 in wealth in just 6 years.

Not from doing anything special.
Just from owning.

Here’s what matters:

Prices don’t need a ‘hot market’ to rise.
They just need not enough homes for sale.

And right now… that hasn’t changed.

So while a lot of people are waiting on the sidelines, thinking the market is cooling…

Values are still moving.

The question isn’t whether the market will move.

It’s whether you’re positioned to benefit from it.

02/21/2026

"Working with Daniel was a breeze! His knowledge and expertise by providing us with the best options and all details are outstanding. Considering we had to rely on someone we never met in person while buying a home from out of state, we can only highly recommend him to anyone considering a financing option in Shasta County. We could have not found a better person. Thank you so much!" says Stefan on Zillow

★★★★★ Working with Daniel was a breeze! His knowledge and expertise by providing us with the best options and all details are outstanding. Considering we had to rely on someone we never met in person while buying a home from out of state, we can only highly recommend him to anyone consider...

02/04/2026

California has officially announced the return of Dream For All 2026, with buyer registration opening February 24, 2026.

This state-backed program can provide up to 20% toward a down payment, capped at $150,000, to qualified buyers—helping reduce one of the biggest barriers to homeownership. The assistance has no monthly payment and is repaid through shared appreciation when the home is sold or refinanced.

Funding is limited, and eligibility requirements apply. The buyers who succeed with Dream For All are the ones who prepare before registration opens—not after.

If you want to understand whether this program could apply to you and what steps to take now, message me “DREAM.”

10/28/2025

Big news for California homebuyers! The Dream For All program is coming back in 2026 and it could help you become a homeowner sooner than you think 🏡

You may be eligible for up to 20% (or $150,000 max) toward your down payment or closing costs, which can lower your loan amount, reduce your monthly payment, and make it easier to get into your first home.

If you want to be ready when applications open, reach out and let’s put a plan together. This opportunity will go fast!

10/01/2025

What an amazing week in Dallas for our company symposium! 🙌

It was awesome connecting with loan officers and branches from all over the country—sharing ideas, learning about new products and tech, and hearing from some incredible speakers. And of course… you can’t go to Texas without trying some real BBQ. 🍖🤠

Grateful to work for a company that invests so much into helping us grow and serve our clients better. Feeling fired up for what’s ahead!

02/28/2025

Excited for this year’s Redding Home and Garden Show! 🏡✨ It’s always packed with amazing vendors—from home improvement pros to local builders and everything in between. Will you be stopping by next weekend? Let me know! 👇🏼

🏡🎉 We’re headed to the Redding Home Show! 🎉🏡

Next weekend, four of our loan officers will be out at the Redding Home Show, and we couldn’t be more excited! This event is all about connecting with the community, and we love any opportunity to chat about home financing, home improvement loans, and ways to make homeownership work for you.

Thinking about buying a home, making upgrades, or exploring new financing options? We’re here to answer your questions and help you navigate what’s possible—no pressure, just real conversations.

📅 See you at the Redding Home Show! Stop by, say hi, and let’s talk about how we can help you make the most of your home.

01/11/2025

🚩 Save this post! 🚩

When it comes to qualifying for a mortgage, your Debt-to-Income Ratio (DTI) is one of the most important numbers to understand. Lenders use this to measure your monthly debt payments against your gross monthly income—and it plays a big role in determining how much home you can afford.

Here’s the breakdown:
👉 Front-End Ratio: This is the percentage of your gross monthly income that will go toward your prospective monthly mortgage payment.

👉 Back-End Ratio: This includes your total monthly debts, like car payments, student loans, credit cards, and your mortgage payment, all compared to your gross monthly income.

💡 Why does it matter?
Understanding your DTI can help you set a realistic budget for your monthly mortgage payment and prepare for the loan program that best fits your needs. Each loan program (FHA, VA, Conventional, etc.) has its own DTI limits!

If you’re unsure where you stand or want to know what’s possible for your home-buying journey, shoot me a message! 📲

12/31/2024

✨ Want to buy a home in 2025? Here’s how to get ahead! ✨

The clock is ticking, and it’s time to get in the ring and prepare for your homeownership journey like a champ. 🥊🏡 Start the year strong with these tips:

✔️ Browsing Zillow? Work with a real estate agent who will send you updates on homes that meet your budget and criteria the moment they hit the market. You’ll save time and stay ahead of other buyers.

✔️ Self-employed? Talk to your lender before filing taxes. Writing off too much could hurt your chances of qualifying. Let’s plan!

✔️ Relying on Credit Karma? Mortgage lenders use a different FICO model. A soft credit check from a lender gives you an accurate picture without affecting your score.

✔️ Save smart. Put your money in a high-yield savings account. Even a small boost to your down payment could unlock better loan terms.

Ready to take the first step? DM me to create a custom plan that fits your goals! Your dream home could be just around the corner. Let’s get ready to rumble and make 2025 your year! 🥊🎆