Chan The Mortgage Man NMLS #354805

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United States
Sacramento, CA
Chan The Mortgage Man NMLS #354805

Licensed in CA, NV, OR, WA, OR, CO, UT, TX, FL

We can originate VA and FHA loans down to 500 a FICO score!
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VP of Residential Lending with GFL Capital Mortgage NMLS #354805

10/30/2026

First-time homebuyers: closing isn’t necessarily the end of your property tax expenses.

Depending on where you live, a reassessment after purchasing your home could result in an additional property tax bill.

That bill may arrive later, and you shouldn’t automatically assume your mortgage escrow account will take care of it.

Before or after closing:

• Understand how your property is being assessed
• Ask whether an additional tax bill is possible
• Find out whether you’ll need to pay it directly

Property tax rules vary by location, but knowing what to expect can help you budget for homeownership.

Have questions about the costs that come with buying your first home? Send me a message.

b [email protected]
NMLS 354805
916-277-0737

10/29/2026

Supplemental property taxes made simple.

Depending on your local property tax rules, an additional tax may be calculated on that difference for the portion of the tax year you owned the property.

The actual calculation, tax rate, reassessment rules, and timing vary by location.

The important part: don’t confuse an additional tax bill with being taxed twice.

10/28/2026

Why did I get another property tax bill after buying my home?

Your regular property tax bill may still reflect the previous owner’s assessed value. If the property is reassessed after the sale, you may receive an additional or supplemental bill to account for the difference.

Think of it as a catch-up bill.

The exact rules vary depending on where you live, so make sure you understand how property taxes work in your area.

[email protected]
NMLS354805
916-277-0737

10/22/2026

One of the most common questions I hear is:

"Should I wait for rates to drop?"

The truth is nobody can consistently predict where rates are headed.

Instead of trying to time the market, focus on what makes sense for your finances and goals.

10/21/2026

Interest rates get most of the attention, but they're only one piece of the puzzle.

A lower rate helps, but your purchase price, down payment, taxes, insurance, and overall financial goals matter too.

The right time to buy depends on your situation, not just the rate.

Questions about today's market? Send me a message.

[email protected]
NMLS 354805
916-277-0737

10/08/2026

The highest offer doesn’t always win!

Our client found the home he wanted, but his qualifying income limited his offer to $500,000. To make things more challenging, he was competing against buyers offering more.

Instead of increasing the purchase price, we structured his loan so he could cover some of the seller’s closing costs.

The result? The seller could walk away with as much or more money than with the higher offers, and our client got his offer accepted!

It's not always about offering the highest price. Sometimes, it's about structuring the deal to make your offer more competitive.

Looking to buy a home? Let's talk about how the right financing strategy can help you compete.

Brian Chan | Chan the Mortgage Man
916-277-0737
[email protected]
NMLS #354805

10/01/2026

This client came to me through a referral from a past client, which makes it even more meaningful. I always appreciate the trust my clients place in me when they refer their friends and family.

Thank you for taking the time to leave a review and for trusting me with your home financing!

If you know someone looking to buy or refinance, I'm always happy to help!

[email protected]
916-277-0737
NMLS 354805

09/29/2026

Three escrows. Multiple setbacks. One goal: becoming a homeowner.

This first-time buyer went through escrow THREE times before finally getting the keys to his new home. Despite the setbacks, he stayed patient, trusted the process, and never gave up.

Now he finally has a place to call his own!

Buying your first home doesn't always go as planned, but persistence pays off. Congratulations to my client on making it happen!

Thinking about buying your first home? Let's talk about how to get you started.

Brian Chan | Chan the Mortgage Man
916-277-0737
[email protected]
NMLS #354805

09/22/2026

Details matter — especially when they can make or break a loan.

We had an underwriter require flood insurance on a condo. The problem? The HOA didn’t carry a master flood insurance policy.

At first, it looked like we might have a dead deal.

I went back to the FEMA flood map, zoomed in, and found that the complex was actually just outside the flood zone.

Sometimes getting a loan closed isn’t about accepting the first answer. It’s about digging into the details.

Have a mortgage scenario that isn’t straightforward? Send me a message.

[email protected]
NMLS 354805
916-277-0737

09/15/2026

Good news if you’re buying a home — the 2027 conforming loan limits are already starting to roll out.

[email protected]
NMLS 354805
916-277-0737

Address

1100 Corporate Way Suite 210
Sacramento, CA
95831

Website

http://Www.chanthemortgageman.com/

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