Luis Silva - Real Estate & Mortgage Broker

02/27/2026

Mortgage rates alert ⚠️

10yr treasury dropped under 4% today for the first time in several months causing mortgage rates to improve.

If you have been waiting for a chance to refi and capture some monthly savings, now is a great time to review the numbers.

DM me if you would like to explore some options. No pressure, just clarity.

01/09/2026

🚨 BREAKING HOUSING NEWS ⚠️

Trump ordered Fannie Mae and Freddie Mac to buy $200B in mortgage backed securities.

In simple terms:
This move is designed to put downward pressure on mortgage rates in order to improve affordability.

What that could mean:

- Slightly better rates for buyers
- Improved refinance opportunities for current homeowners
- More breathing room on monthly payments

This isn’t a guaranteed rate drop or a magic switch but it does make this a smart time to at least look at the numbers, especially if you’ve been waiting for a window to refinance or get pre-approved to purchase.

If you would like to look at some refi numbers and/or determine your purchasing power, feel free to reach out anytime.

No pressure, no obligation - just straight forward info.

11/11/2025

Thoughts on a 50yr mortgage?
Good, bad, or indifferent? 👇

11/02/2025

Had an opportunity to chat with Gary Meek about the benefits of assumable loans and the opportunity for buyers and sellers in today's housing market. He provides some great insights and info!

The Northern California housing market (Sacramento region) is changing fast — affordability is tight, days on market are increasing, prices are moderating, s...

09/22/2025

🏡 Just Listed in the Heart of Downtown Loomis! 🏡

Location, location, location! This one-of-a-kind 3 bed / 2 bath home puts you just steps from coffee shops, dining, shopping, schools, and community events.

✨ Inside: move-in ready with timeless finishes, custom cabinetry, granite counters, engineered hardwood, and warm natural light throughout.

🌳 Outside: your own private retreat with a covered patio, multiple fruit trees, and low-maintenance landscaping. Perfect for family gatherings, summer barbecues, or quiet evenings under the stars.

🚗 Practical perks: driveway + RV parking, detached shed for storage.

This rare downtown package blends charm, updates, and convenience all in one. Don’t miss it!

👉 DM me today for additional details or to schedule a tour!

09/08/2025

📉 Mortgage Rates Are Dropping 🚨

We’re finally starting to see some real movement with mortgage rates coming down. Lenders are even offering special refinance incentives through 9/16, and I’ve seen some recent refinances lock in the upper 5% range.

👉 If your current rate is above 6.5%, it may be worth a closer look.

No pressure, no obligation - just a quick conversation to see if a refinance could save you money each month.

Every situation is different, and an analysis of your loan scenario is needed to determine whether refinancing makes sense.

If you’d like me to run the numbers, send me a message and we’ll go from there.

NMLS 2179191 & 369904
DRE 01494248

09/02/2025

Offer Accepted!

Big congrats to my buyers who just locked down this gem:

🏡 2,139 sq ft | 3 Bed | 2 Bath
🌲 4.9 Acres of space and privacy
🌊 Close to Lake Combie
💡 Loads of potential to create something amazing

This is the perfect blend of home + land + lifestyle. Can’t wait to see what my clients do with this property!

Thinking about making your next move? Lets chat, here to help!

08/07/2025

🏡 Buying a home feels expensive right now, and here's why

Home payments today make up 39.4% of the median household income, one of the highest levels in the past 50+ years.

📊 For context:

In 1981, payments peaked at 47.5% (when rates hit 18%)

In 2006, it reached 38.1% just before the housing crash

The long-term average? Around 29.8%

But here’s what’s different this time:

✅ Most homeowners today have fixed-rate loans
✅ Lending standards are stronger
✅ Inventory is still relatively low, supporting prices
✅ Buyer demand is still steady

Yes, affordability is tight, but opportunity often hides in uncertainty.

💡 Real estate is a long-term game. And history shows:

Time in the market beats timing the market.

While renting might feel cheaper in the short term, it often comes at the cost of missing out on equity, appreciation, and long-term stability.

If you're even thinking about buying, now's a great time to run the numbers and map out a strategy.

✨ You don’t need to buy today, but planning ahead now puts you in a position of strength when the right opportunity comes.

Want to chat options, no pressure? I’m here to help.

📩 Drop me a DM

08/05/2025

🏡 Market Update: Signs of a Shift

We're starting to see some movement in the market...

📉 Mortgage rates are starting to trend down
📈 Inventory is climbing
⏳ Days on market are increasing
💸 And yes — we're seeing some price reductions

These are early signs that buyers might be gaining a little more leverage.

If you’ve been sitting on the sidelines waiting for things to cool off a bit — this could be your window to explore what’s out there.

📬 Want me to send you a few homes with potential? Just drop a comment or shoot me a quick message.

08/02/2025

📉 Mortgage Rates Just Got a Win. And It’s a Big One.
After months of pressure, buyers finally caught a break.

The 10-Year Treasury yield plunged this morning, dropping to 4.21% after weak jobs data.

Since mortgage rates typically follow the 10Y, this move opens the door for lower home loan rates.

What happened? A reality check on the jobs market:

- July: Just 73k jobs added vs. 100k forecast

- June: Revised down to 14k (from 147k!)

- May: Revised down to 19k (from 144k!)

- Unemployment ticked up to 4.2%

That’s nearly 260k phantom jobs erased from the last 3 months. Seem like the labor market is cooling and bond marker received the message!

🏡 What this means for homebuyers and homeowners:

- Rates may soften in the coming days

- Buying power improves (or at least stops shrinking)

- It could be a good moment to lock or revisit your pre-approval

📌 Want to see what today’s drop could do for your buying or refi power?

Let’s run some numbers.

📲 DM me or click the link in bio to schedule a quick call.

07/14/2025

***Assumable FHA Loan Saves You $601/Month!*** - 1008 Solar Flare Way, Roseville, CA

✨ Over $40K in Builder Upgrades | Westpark Living

This stunning 3-year-old home in the Radiance at Solaire community blends modern luxury with unbeatable value — and it’s within of the best schools in Placer County! 🏡☀️

✨ Features:
• 4 Beds | 3 Baths | Ideal downstairs bedroom & full bath
• $40K+ in builder upgrades
• Open floor plan w/ quartz counters, shaker cabinets, tankless water heater
• Brand-new luxury vinyl plank flooring throughout
• Energy-saving solar system
• Fully landscaped backyard w/ covered patio, cobblestone design & sunset views
• Walk to Solaire Park, Westbrook Elementary & nearby shopping
• Zoned for West Park High & Chilton Middle

💰 Assumable Loan = $601/month savings!

✅ Keep a locked-in low interest rate
✅ Lower closing costs
✅ Easier to qualify

DM me for more info!

Welcome to the highly sought after Westpark community, th...

07/02/2025

🏠Still renting because you think buying is out of reach? Think again.

You don’t have to break the bank to become a homeowner.

Here are 5 smart strategies that could save you money and help you buy a home sooner than you think:

1. Buy Down Your Interest Rate
✅ Pay a little extra upfront (or ask the seller to) to lock in a lower rate.
✅ Even a 1% drop can save you hundreds every month.
✅ Compare a temporary vs. permanent buydown—this can make owning much more affordable right away.

2. House Hack Your Way to Lower Payments
✅ Buy a home with extra space—a duplex, basement, or guest room.
✅ Rent part of it out to help cover your mortgage.
✅ Live for less while building equity and wealth.

3. Consider an ARM (Adjustable-Rate Mortgage)
✅ Get a lower rate for the first 5–10 years.
✅ Enjoy lower monthly payments while you get started.
✅ A smart choice if you plan to move or refinance later.

4. Ask the Seller for Help
✅ Many sellers are willing to cover closing costs or buy down your rate.
✅ This can save you thousands upfront.
✅ You don’t have to do it all alone—especially in today’s market.

5. Assume the Seller’s Mortgage (my personal favorite)
✅ Take over the seller’s loan with their low interest rate.
✅ FHA, VA, and USDA loans can often be assumed.
✅ Avoid higher rates and save big every month.

There are ways to make owning a home more affordable—even in this market.

Let’s explore your options together.

Comment “INFO” below or send me a message, and I’ll walk you through exactly how these strategies could work for you.