Hansen Loans Inc

11/11/2025

11/11/2025

Securing a low rate on a home loan can significantly impact your financial future by reducing your monthly payments and the total interest paid over the life of the loan. To achieve this, it's crucial to maintain a good credit score, as lenders often offer better rates to borrowers with strong credit histories. Additionally, saving for a larger down payment can not only reduce the loan amount but also increase your chances of obtaining a more favorable interest rate. Comparing offers from multiple lenders is another effective strategy, as it allows you to identify the best available options. Lastly, consider locking in your interest rate when rates are favorable to protect yourself from potential increases before closing the loan.

07/28/2025

Are you aware of all of the cost benefits for homeowners?

Several key changes within the recently passed "Big Beautiful Bill" (BBB) could significantly impact homeowners across the board. These changes predominantly center on tax deductions, potentially leading to financial benefits for many homeowners, particularly those in high-tax states and with higher incomes.
Here's a breakdown of the key benefits:

Increased SALT deduction cap: The deduction for State and Local Taxes (SALT) increases significantly from $10,000 to $40,000. This change is expected to be a substantial benefit for homeowners in states with high property taxes.

Permanent Mortgage Interest Deduction: The ability to deduct mortgage interest, a long-standing benefit, has been made permanent under the BBB.

Reinstated Mortgage Insurance Deduction: The deduction for Private Mortgage Insurance (PMI) and Mortgage Insurance Premiums (MIP), which had previously expired, has been reinstated, potentially saving homeowners thousands of dollars annually.
Caveats and considerations

Income Limits: The full $40,000 SALT deduction is available to households with incomes below $500,000, with a phaseout for those earning above that threshold.
Itemization: To take advantage of these deductions, homeowners must itemize their tax returns rather than taking the standard deduction.

06/06/2025

Did you know that once a lender pulls your credit, the credit agencies sell you data to MANY banks? Seems crazy right? In order for you to apply for a mortgage without getting a minimum of 100 phone calls, emails, texts and so on you MUST go to https://www.optoutprescreen.com/ scroll down to the bottom & put in your basic info. Trust me, you will be happy you did.

is the official Consumer Credit Reporting Industry website to accept and process requests from consumers to Opt-In or Opt-Out of firm offers of credit or insurance.

11/02/2024

You don't need to be given 25,000 for a down payment for 1st time homebuyers (which is ANYONE that hasn't owned a home in the past 3 years) because LISTEN TO ME... WE ALREADY HAVE THEM!!! The DPA programs for 1st time HB's have been around for years. There are MANY of them, some of them you NEVER even pay back the down payment!!! You heard me correctly. If you want me to go over your personal situation for a DPA, you just call me at 619-200-9570. :)

10/27/2024

Hansen Loans Inc is now approved/licensed to do all home loans in Arizona!! Ready to purchase or refinance or simply get an idea of what's available? I'm now here & I'm SO EXCITED to bring the lowest rates WITH THE lowest cost & best service to this beautiful state! 🥰 Call me at 619-200-9570 when you want the best!

NMLS 239319 Hansen Loans Inc.
NMLS 239880 Devi Nelson
CA DRE 01306408

09/30/2024

Please know that my Verizon is down and has been for hours & according to their website, they MAY know why in 12 hours? Please email me only for today at least, [email protected]
Thank you.

09/26/2024

Purchase Applications Respond to Another Small Rate Dip

Interest rates continued their slow decline last week while application volume is inching up almost as slowly. The Mortgage Bankers Association (MBA) reports a 1.6 percent increase in its seasonally adjusted Market Composite Index, a measure of mortgage loan application volume. On an unadjusted basis, the Index gained 0.2 percent over the prior week.

Applications for home purchase financing took the lead, rising 3.0 percent on a seasonally adjusted basis and was up 1.0 percent before adjustment. The Purchase Index has now narrowed what was once a double-digit deficit to a -4.0 percent year-over-year gap.

09/25/2024

Just when you thought home loan rates were getting lower they go the other way. (not a lot but still) We're seeing some reversal of the uptrend but it's still counter intuitive that the Fed lowers rates yet mortgage rates increase. The fact of the matter is that mortgage rates are a function of the market and not a function of the Federal Reserve.

Mortgage rates hit their lowest levels in more than a year and a half last Tuesday as the bond market put the finishing touches on its preparation for the Fed announcement the following day.  Since then, rates have been drifting mostly higher with each passing day. As of this past Monday, t...

09/24/2024

Best Service and Lowest Rates. Guaranteed!!!

We, at Hansen Loans Inc, are able to get you the best rates on all types of loan programs, we'll fit your needs!

09/20/2024

The Federal Reserve cut rates on Wednesday and mortgage rates went up! What happened? The answer lies in the bond market.

The 10-year yield and 30-year mortgage rates have been in a slow dance since 1971 and trended together. The bond market isn’t old and slow like the Fed — it moves very quickly, and for months it has been sending the 10-year yield (and mortgage rates) lower in anticipation of a series of Fed rate cuts, not just one or two.

As I’ve said for several months on the HousingWire Daily podcast, the key to understanding mortgage rates is to focus on the labor and economic data—not rate cuts. The 10-year got as low as 3.60% yesterday, but then housing starts data came out. Housing starts beat estimates, and the single-family permits data shows that they are growing again. The 10-year yield was already higher before the Fed announcement,

The growth of housing permits is a good sign for economic expansion, and falling mortgage rates since June have helped push this data line. We would not have this conversation if mortgage rates were still in the range of 7.50%- 8% today. The bond market got ahead of the Fed, pushing bond yields and mortgage rates lower—which has already made a difference.

So what now? Today’s jobless claims data came in better than expected, sending yields higher again, which looks perfectly normal. The bond market is so far ahead of the Fed that it can sit and watch to see how the economic data trends. If housing starts, industrial production, and jobless claims were worse than expected, we would have a different discussion today. However, that’s not the case — the economic data, even retail sales this week, came in as a beat.

So, if you’re confused about why rates went up, remember that the bond market gets ahead of the Fed. And listen to the podcast — we’ve been discussing this for months. The labor market has been softer with the data’s internals since the end of 2023, and the Fed is only now worried about a risk to labor. This means they need to play catch up to the market pricing. The 10-year yield is currently at 3.74%, up from yesterday’s lows and slightly higher from the close. For mortgage rates to go lower, we need to see three things:

1. Mortgage spreads getting better
2. Economic and labor data getting softer
3. The Fed getting more dovish with their statements, showing a willingness to do more to help the economy stay out of recession

Until then, the last 24 hours make a lot of sense to me, given the economic data and where the bond market was trading before the housing starts data came out.