Jake Kurtz

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Jake Kurtz NMLS # 2117984
Licensed in CA, TN, WA

Loan Officer
NMLS #2117984
Licensed in CA, WA, TN
Licensed by the Dept of Financial Protection and Innovation under the CRMLA
NMLS 1850
Equal Housing Opportunity

09/29/2026

A pre qual is the not the same as a pre approval.

Numbers do not mean the same thing when you don’t have the docs backing them up.
A pre approval is incredibly important when making offers, it lets the sellers know you’re serious and there is some depth to your file. The lender has reviewed documents, clarified income and pulled credit.

If you don’t Know what you’re getting into and why it matters, that’s what we’re here for.

08/24/2026

Interest rate depends heavily on strategy:

If you just want the lowest rate, then you’ll need a big down payment, great credit, low DTI ratio and maybe even try to buy down points.

If you want the lowest monthly, it may be worth it sometimes to take a slightly higher rate and take factors into account like mortgage insurance

If you plan to be in the home for a short amount of time, would it make more sense to take a higher rate and get a credit from the bank for lower closing costs?

A strategy depends on the end goal, and my consults are designed to pick a strategy that makes sense for you that is focused on your goals.

Is it time for you to start your home search? Shoot me a DM and let’s strategize a plan to get you in your next home.

08/18/2026

When you see mortgage rates quoted, often times you’re not seeing the full picture. Even going on sites like Mortgage news daily have sponsored ads and posts from lenders advertising low rates that unfortunately will most likely have a cost associated with them.

If you want to full picture, have a lender run your numbers to see what’s actually accurate for you!

08/12/2026

Obviously a preapproval because your numbers. But it’s not just the numbers or after, it’s the strategy and what’s gonna make the most sense for your personal situation.

If you want a true strategy, moving forward on the best programs and options for you, definitely get started with the lender first.

And if you don’t have a lender, you plan on using, I’d love to see how I can help. Shoot me again if you want to talk some mortgage strategy and plan for what makes sense for you.

08/07/2026

Bridge loans are a great option that you probably heard about before. But to be honest, there’s a lot of really good options out there. I can also get you some cash that you can use as down payment on your next home.

If you’re hoping to buy a new home before you sell your current and want to see which option may be the best for you, I’d love to help walk you through it.

Shoot me a DM, or schedule a consult through the link in my bio

08/03/2026

A contingent offer could lose you your dream home.

now let’s be clear, what is a contingent offer? That means the only way to secure financing on the new home is by selling the home you’re currently in.

But did you know there are ways to get around writing a contingent offer? There are programs and products out there that actually allow you to pull some equity from the current home and put it towards the new home as a down payment and even allow you to exclude your current mortgage from your qualifying ratios to buy the new home.

So if you’re hoping to buy your new home before you have to sell your current, reach out. I’d love to help you see if a program like this could make sense for you.

07/31/2026

The rate on an assemble loan sounds awesome, until you get to the part that no one ever really explains.

You’re not just taking over the rate you’re also covering the gap between what’s owed on the current mortgage and what you’re paying to purchase the home.

So, on a $500,000 home with $300,000 left owed, that’s a real $150,000 gap. So before you get too excited about the assumable loan that you found, figure out if you have a way to make up the difference between the two.

Next week I’ll be talking through what that loan looks like if you do need a second mortgage to help cover the gap. Or reach out if you have questions, I’d love to talk you through it.

07/27/2026

Ever wonder if you can just take over someone else’s or old mortgage rate? Well, the good news is you can.

It’s called an assumable loan. Instead of getting a brand new mortgage at today’s rate, you can take over the sellers loan as is. Usually FHA, VA, and USDA loans qualify.

And if you want more information on a simple loans, I’m doing a three-part series on my YouTube.

Want to see if you qualify or just run your numbers? Reach out, I’ll walk through it with you personally.

Address

2237 Douglas Boulevard, Suite 100
Roseville, CA
95661

Telephone

+19162088941

Website

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