Luis Silva - Real Estate & Mortgage Broker

10/29/2026

Just Sold in Meadow Vista! 🏡

Little late on the post but definitely worth celebrating! Congratulations to my clients on the purchase of their beautiful new home in Meadow Vista, CA!

Over the past two years, we worked together to find just the right home for their growing family. Along the way, we also put together a strategy that allowed them to keep their previous home as a rental property while making the move into their next chapter.

I had the privilege of helping them with both the real estate side and the mortgage financing, and I couldn't be happier with how everything came together.

More than anything, I'm excited for this family and all the memories they'll create in their new home!

Thinking about making a move but not sure what to do with your current home Sometimes selling isn't your only option. Whether you're looking to move up, keep your home as a rental, or just explore the numbers, I'd be happy to help you put together a game plan.

📩 Send me a DM and let's talk!

Luis Silva
Clear advice. No sales BS.
Xpert Home Lending, Inc. | Equal Housing Lender
NMLS 2179191 & 369904
eXp Realty of California, Inc.
DRE 01494248

10/26/2026

Clear to close in Ellijay, GA! 🏡

This FHA cash-out refinance came with a few title items and underwriting conditions to work through. I processed the file alongside a fellow loan officer, and we tackled each item head-on to get it across the finish line.

Grateful for the opportunity to support another loan officer and help our borrowers reach this milestone.

Thinking about refinancing or using some of your home’s equity? Send me a DM. Let’s talk through the numbers and see what makes sense for you.

Luis Silva
Clear advice. No sales BS.
Xpert Home Lending, Inc. | Equal Housing Lender
NMLS 2179191 & 369904

10/21/2026

Just SOLD in Roseville! 🏡

After 25 years in their Roseville home, my clients were ready for their next chapter. I represented the sellers and we found a buyer off market before the home even hit the MLS. We closed in 30 days!

Thank you for trusting me with the sale of a home that’s been part of your life for so long. Congratulations on your next move!

If you’re thinking about selling, buying your next home, or figuring out the financing, send me a DM. Let’s talk through your options and the numbers so you can see what makes sense for you.

Luis Silva
Clear advice. No sales BS.
Xpert Home Lending, Inc. | Equal Housing Lender
NMLS 2179191 & 369904
eXp Realty of California, Inc.
DRE 01494248

10/19/2026

Just sold in Citrus Heights 🏡

After 20 years in the same home, moving three hours away is a big deal. I’m happy I could help my clients bring their Mom closer to family :)

Their purchase depended on selling their current home, so we needed to get the financing and timing lined up. I handled their loan and also represented them on the purchase. We worked through a contingent offer, underwriting conditions, and strategic negotiations, and even closed five days early!

Thank you for trusting me with your financing and such a big move. Congratulations on your new home!

If you’re wondering what you can afford, buying your first home, or figuring out how to finance your next move, send me a DM. Let’s talk through the numbers and see what makes sense for you.

Luis Silva
Clear advice. No sales BS.
Xpert Home Lending, Inc. | Equal Housing Lender
NMLS 2179191 & 369904
eXp Realty of California, Inc.
DRE 01494248

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