California Dream For All

10/09/2026

Mortgage rates can look very different depending on where—and when—you get your information. So which number should you trust?

Today, we’ll compare Mortgage News Daily’s daily rate index with Freddie Mac’s weekly average, explain why they differ, and show you what to check before comparing a headline rate with an actual mortgage quote.

We’ll also discuss why many mortgage executives expect elevated rates to persist, how oil prices and inflation influence the Fed, and why a strong stock market can coexist with pressure on housing and household budgets.

Whether you’re buying or selling, the goal is to build a plan that works with today’s conditions—and understand what could change it.

Have a mortgage or housing question? Drop it in the comments for John.

10/02/2026

The September jobs report came in weaker than expected—but the bond market’s reaction was more complicated than the headline suggests. Listen in as John explains what happened, why it happened, and what it means for you.

Then we’ll look at a major credit-scoring development that has not received enough attention. Approved lenders can now use VantageScore 4.0 for certain eligible Fannie Mae and Freddie Mac loans, while Classic FICO remains available.

We’ll cover:

• What the jobs report tells us about the economy
• Why the bond market’s response was more complicated than the headline
• What the market reaction could mean for mortgage rates and borrowers
• What VantageScore 4.0 changes—and what it does not
• How VantageScore differs from Classic FICO
• What purchase and refinance borrowers should ask their lender

A different scoring model does not guarantee a higher score, approval or better pricing—but it may create another way to evaluate an eligible borrower’s loan file.

If you are buying, refinancing or trying to understand your mortgage options, visit TheJohnKingTeam.com.

09/25/2026

Mortgage rates jumped again—and most buyers are wondering if they should pause their home search and wait for rates to drop.

Smart buyers are realizing that today’s market gives them room to negotiate. The problem is that they immediately ask for a lower price—but is that actually the best use of a motivated seller?

In this livestream, John King explains what pushed mortgage rates higher, what he sees happening next, and how buyers can use today’s market to negotiate a better financial outcome.

Using an illustrative $500,000 FHA purchase, John compares:

- A $30,000 price reduction
- A $30,000 seller credit used for a permanent rate buydown
- A seller-funded 3-2-1 temporary buydown
- An FHA 5/1 ARM that locks in the initial payment for five years

The goal is to answer the two questions buyers really care about: What will my monthly payment be, and how much cash will I need to close?

Before you pause your search, see why asking for a seller credit instead of only asking for a lower price could potentially give you a lower payment and require less cash at closing.

Ready to explore your options and get started? Visit www.thejohnkingteam.com.

Examples are for educational and illustrative purposes only. Rates, APRs, closing costs, mortgage-insurance costs, seller-credit limits, qualification requirements, and available loan programs vary and are subject to change. Buyers should review their specific options and official loan disclosures with a licensed mortgage professional.

09/18/2026

The housing market is starting to show some real cracks.

There are more sellers than buyers in many parts of the country, mortgage rates are back above 7%, price reductions are becoming more common, and buyers have more negotiating power than they’ve had in years.

In this market update, I break down what’s changing and what it means if you’re thinking about buying, selling, or simply trying to understand where the market may be headed.

If you’re buying, selling, refinancing, or just want to understand your options, reach out. I’m happy to help you look at the numbers and build a strategy around your situation.

09/11/2026

Mortgage rates jumped back above 7% this week. What happened and what does it mean if you’re thinking about buying, selling, or refinancing?

I explain why rates moved so quickly, why news about inflation and the Fed doesn’t always affect mortgage rates the way people expect, and why today’s rates are still below the levels we saw during the last major bond-market spike.

Most importantly, you’ll learn what to watch next and how to make a smart decision without trying to perfectly time the market.

08/17/2026

🚨 Dream For All voucher holders: if you have not requested your extension yet, do it today.

Tomorrow, August 18th is Day 90 from the original voucher email, which means your voucher expires tomorrow if no extension is requested.

If you plan to use it, or you are even unsure, log into your CalHFA portal and request the extension now.

We cannot do it for you.

Waitlisted? This may create some movement.
Not selected? We may still have other options for you.

Message me if you want to go over your next steps.

08/11/2026

🚨 Dream For All voucher holders, check your expiration date.

We’re getting very close to expiration for many of the Dream For All vouchers issued this year.

If you received a voucher and haven’t found a home yet, don’t ignore this. Log into your CalHFA Dream For All portal and make sure you request your extension before your voucher expires.

If you let it expire, you could lose your voucher.

And for everyone else who applied:

👉 On the waitlist? The next big opportunity will likely be around November, after original vouchers and extensions have had time to play out.

In the meantime, don't put your homeownership plans on hold. Continue preparing and exploring other programs that could help you buy sooner.

👉 Not selected? Dream For All is not your only path to buying a home. There may be other programs and loan options worth looking at.

If you’re not sure what your next move should be, reach out to us. We can look at your situation and see what other options may be available.

07/20/2026

⚠️ Important Dream For All Update

If you have a Dream For All voucher, this is a video you need to watch. I explain how to protect your voucher by extending it, plus I share my latest thoughts on the waitlist and what I'm expecting over the next few months.

Dream For All Update! If you have a Dream For All voucher, don't mi...

07/07/2026

I've been hearing rumors that the waitlist has started moving in some areas, so I wanted to take a few minutes to explain what I'm seeing.

The short version is this... I don't think we're going to see much movement just yet.

This year was different because the state gave out more vouchers than they actually had funding for, which changes how the waitlist works compared to last time.

In my opinion, the first chance we'll see any meaningful movement is when vouchers start expiring later this year. I explain why, what to watch for, and what I think it means depending on where you are on the waitlist.

I know it's probably not the update everyone was hoping for, but I'd rather give you an honest perspective than get people's hopes up.

🎥 Watch the full update here:
🔗https://youtu.be/tdttGtwC1BU?si=7MS3Y0nFsfADwnWt

If you're on the waitlist, drop your number and county you are in below. 👇

05/20/2026

Did you hear the news… Dream For All results are officially out! 🎉

If you registered, your status is now live and what you do next from here matters.

👉Visit https://www.californiadreamforall.info/ to see your result and to join one of my webinars where I’ll walk you through exactly what to do next.

Each group has different timelines, strategies, and opportunities, and missing something here can cost you time or limit your options.

In these sessions, I’ll walk you through deadlines you don’t want to miss if you were selected, how to stay ready and positioned if you’re on the waitlist, and what other options are available right now if you weren’t selected.