Sarah Mccalmon, Loan Originator

04/29/2025

Feeling uncertain about the economy? You’re not alone.
Here’s the good news 👉 Historically 88% of the time, U.S. home prices go UP. 📈

Even in downturns, housing stays resilient.
✅ In San Diego, homeowners gained $34,000 in equity last year.
✅ Rents are up 5.6% (and still climbing).
✅ Your rent will rise. Your mortgage payment can stay fixed.

You have to live somewhere.
Why not live somewhere that builds your future? 🏡🔒

If you want to see how to turn today’s uncertainty into stability —
📩 DM me "PLAN" and I'll send you a simple, personalized breakdown.

10/03/2024

Your home equity has been silently growing. Rates are down. Let's explore what that means for you. Contact me!

06/01/2024

If you're self-employed, let us help you with your next purchase or refi! Our mortgage loan options include bank statement and asset based loans that help you qualify outside of the standard tax return. Message me to learn more.

05/30/2024

Did you know that the average net worth of homeowners is 40 times more than that of renters? Check out this article for 40x more reasons to consider buying a home this year!
If you need help with the first steps, DM me!
https://cnb.cx/3zu0RS6

12/05/2023

DM me for more info about our super fun group 🥳🎉

10/06/2023

PROUD to be 1 of 28 founding ambassadors of !

This new non-profit is dedicated to educating the next generation about homeownership. We will be educating high school and college students on financial literacy and inspiring homeownership goals early. Homeownership is POWERFUL.

Check out the article in . 🔗in bio.

02/28/2023

Wondering how much house you can afford? Swipe ➡️for Simple Formula 🏠

Know your numbers before you start looking at real estate.

Calculate how much your max monthly payment would be.

*Doesn’t mean you have to go to the maximum amount - but it’s good to know your ceiling*

If you want to know what this max payment equates to in loan amount - use a simple mortgage payment calculator. Be sure to include an estimated amount for property taxes, insurance, and PMI (if applicable).

This part can get a little complicated, so just comment below or shoot me a DM and I can calculate it for you!

12/31/2020

House hunting in the new year?
Make sure you are Pre-Aporoved and have the right mortgage strategy!

Not sure if you’re ready? It’s never too early to just have a conversation!

We can start to uncover your specific needs and any concerns you have to properly strategize and plan!

Things like...

How much money will you actually need and which funds you should use? What if you get a gift? 💰

Are you worried about credit? We can review where you are and come up with a plan to help if needed! 💳

Self employed? How much money do you report... do you need to report more to qualify for your dream home? 🧾

These are all things I can help with! DM me.

12/10/2020

My tax guy Steven Leibold EA is hosting a FREE Zoom presentation tomorrow reviewing Year End Tax Planning Strategies you can use prior to 12/31. They will also discuss PPP loan forgiveness and the effect on your 2020 tax return. Its only 30-45 mins!
You are invited to a Zoom webinar.
When: Dec 11, 2020 11:30 AM Pacific Time (US and Canada)
Topic: Year End Tax Planning Strategies
Register in advance for this webinar:
https://zoom.us/webinar/register/WN_z5P9UGX1SV2lfBGmADLzyw
After registering, you will receive a confirmation email containing information about joining the webinar.

Join us for a 30-45 minute presentation on some year end tax planning strategies that you can use prior to 12/31/2020 to reduce your current year tax liability. We will also discuss the effects of the PPP loan forgiveness on your 2020 tax return.

03/23/2020

What a week. Thankful for a slower pace. To slow down and watch the kids enjoying the ☀️.

Countless Families and businesses will face hardships in the coming months.

Fannie and Freddie have updated their guidelines to provide mortgage assistance and relief options for those affected by Covid-19.

If you need relief, contact your mortgage servicer (who you make payments to each month).
For more information, read these two articles:
- https://www.fanniemae.com/portal/media/corporate-news/2020/covid-homeowner-assistance-options-7000.html
- http://www.freddiemac.com/about/covid-19.html

🏡Let’s make a real commitment to sheltering in place. Hopefully we will feel like it’s all for nothing. 🙏🏼

02/06/2020

Step 1 in your homebuying process: Call me! I will help you establish what you can afford, then get you pre-approved and introduce you to an outstanding Realtor so you can find the perfect home within your budget.