Luxen Realty Group

10/31/2025

Why mortgage rates went up today even though the Fed cut rates:

Mortgage rates don’t move based on the Federal Reserve’s short-term rate directly. They’re driven by the bond market, specifically the prices investors are willing to pay for mortgage-backed securities (MBS). When MBS prices rise, mortgage rates fall. When MBS prices fall, mortgage rates go up.

That’s exactly what happened today. About an hour before the Fed meeting ended, MBS prices started dropping and continued falling through the afternoon and ending down sharply on the day. This means lenders had to reprice for higher rates.

The Fed did cut short-term rates by 0.25% as expected and said it will stop shrinking its balance sheet in December. Normally both would be good news for mortgage rates. But during the press conference Chair Powell said another rate cut in December is "not a foregone conclusion." That comment caught investors off guard, as they had been expecting at least one more cut this year.

When markets believe fewer rate cuts are coming, investors demand higher yields on longer-term bonds (like those tied to mortgages). That’s why mortgage rates actually moved higher even though the Fed just lowered rates today.

08/06/2025

🏡 Thinking of Selling Your Home? Keep More of Your Equity! 💰
Hi, I’m Laxmikant Pokle, your local real estate expert – and I believe you should save more when you sell your home!!

🔑 Full-Service Real Estate at affordable Commission.
✅ Professional marketing & photography
✅ Expert negotiation to get top dollar
✅ Listing on MLS, Zillow, and more
✅ Personalized support from start to finish
Whether you’re upsizing, downsizing, or relocating, I’m here to make it smooth, stress-free, and more affordable.
📞 Call/Text: 916-695-7703
📍 Serving: Sacramento, Placer, El Dorado, San Joaquin Counties and Bay Area!!

CALL ME TODAY!!

07/03/2025

LOCATION! LOCATION! LOCATION!
DIXON, CA
An exceptional opportunity to own OR lease a standalone restaurant building in a highly visible, high-traffic area. This versatile commercial property is ideal for restaurateurs, investors, or developers seeking a ready-to-go space in a thriving neighborhood.

The building features a spacious, open-concept dining area, a fully equipped commercial kitchen, restrooms, storage space, and ample parking and a drive through. Whether you're looking to launch your own restaurant concept or lease to a tenant, this property offers incredible potential and flexibility.

Well-maintained, freestanding building with strong curb appeal.
Located in a busy commercial corridor with excellent exposure.
Full commercial kitchen with hood system, grease trap, walk-in cooler/freezer. Indoor seating.
Large lot with ample customer parking.
Zoned for restaurant use; all permits and code compliance in place.
Ideal for owner-occupiers or investors.

This is a rare chance to acquire a turn-key restaurant property in a growing area with strong demographics and traffic counts. Perfect for a franchise, local concept, or national tenant.

Please call or text 916-695-7703 for more information.
DRE #01986685

07/01/2025

Newly build Commercial Real Estate currently a fast food restaurant for sale or lease in DIXON, CA. Great Location very close to freeway I 80 W. Comes with drive through on an almost half acre lot. For more details please call 916-695-7703.

06/19/2025

🏡 Thinking of Selling Your Home? Keep More of Your Equity! 💰

Hi, I’m Laxmikant Pokle, your local real estate expert – and I believe you should save more when you sell your home!!

🔑 Full-Service Real Estate at affordable Commission.

✅ Professional marketing & photography
✅ Expert negotiation to get top dollar
✅ Listing on MLS, Zillow, and more
✅ Personalized support from start to finish

Whether you’re upsizing, downsizing, or relocating, I’m here to make it smooth, stress-free, and more affordable.

📞 Call/Text: 916-695-7703
📍 Serving: Sacramento, Placer, El Dorado, San Joaquin Counties and more.

11/29/2024

NEW LISTING IN FOLSOM!! OPEN HOUSE on November 30th and December 1st between 11am and 3pm.

5 BEDS 3 BATH, $895,000, MLS # 224129585

08/21/2024

If you are looking to buy or sell a home, please give me a call. 916-695-7703

05/28/2024

STOP PAYING RENT!!! Put your hard-earned money into a home of your own, not your landlord’s pocket! I can get you into your own home with no down payment required upfront. Call today! 916-695-7703.

03/31/2023

03/23/2023

GOOD NEWS FOR FIRST TIME HOME BUYERS!! CalHFA has announced DREAM FOR ALL down payment assistance program. 20% down payment assistance @ 0% interest rate.
Call me at 916-695-7703 for more information. ACT FAST because funds are going to run out!!

❑Conventional, Conforming and high balance loans, only
❑30-year loan term
❑No sales price limit
❑Must have DU - Approve-Eligible Findings
❑20% DPA, is a second lien, deferred for the life of the loan.
It is payable upon the sale, refinance, pay-off of the first
mortgage, or when any of the borrowers who were on the
loan vacate the residence.
❑20% DPA has a 0% interest rate
❑Because this is a silent second, this loan is not included in
the borrower’s DTI ratio
❑You can not convert the residence into a second home or
rental property
❑The 20% can be applied entirely to the down payment, or
can have a portion applied to both the down payment and
closing costs
❑MI will apply if the borrower’s LTV is above 80%
❑Cannot be combined with any other CalHFA program

Send a message to learn more

02/24/2023

Now offering construction loans. If you are thinking of building your dream home and need construction loan, please call me at 916-695-7703 for more information.

12/30/2022

During the Holiday Season more than ever, my thoughts turn gratefully to all those who have made my progress possible. And in this spirit I say, simply but sincerely, Thank You and Best Wishes for the Holiday Season and a Happy New Year!!
Thank you for your business in 2022 and hope to continue helping more people in 2023.