California Mortgage Solutions

10/24/2026

🏠 FHA Loans: The Low-Down-Payment Path to Your First California Home

Think you need 20% down or perfect credit to buy? An FHA loan — insured by the Federal Housing Administration — was built for buyers who don't fit that box.

• As little as 3.5% down with a 580+ credit score (500–579: 10% down)
• The full down payment can be a gift from family
• More flexible credit and debt guidelines than many conventional loans
• Works for single-family homes, condos, townhomes, and 2–4 unit homes you live in
• 2026 California limits from $541,287 up to $1,249,125 in high-cost counties, by county

Honest trade-off: FHA requires mortgage insurance (MIP) — 1.75% upfront, usually financed, plus a monthly amount — and the home must be your primary residence and meet FHA safety standards.

💬 Message me "FHA" and I'll run your scenario — no obligation.

Vic Kurkeyerian | NMLS #325094 | DRE #01476315 | California Mortgage Solutions, Inc.

10/24/2026

🇺🇸 California Veterans: New Property Tax Exemption Could Save You Thousands!

🏡 BIG NEWS FOR DISABLED VETERAN HOMEOWNERS IN CALIFORNIA! SB 296, expanding California’s Disabled Veterans Property Tax Exemption beginning January 1, 2027.

What California Veterans Need to Know:

✅ Up to $1 Million: Qualifying disabled veterans may receive a property tax exemption on the first $1 million of their home’s assessed value.

✅ 100% Exemption: Eligible low-income veterans may qualify for a full exemption on that amount.

✅ 50% Exemption: Other qualifying disabled veterans may receive a 50% exemption on that amount.

✅ Surviving Spouses: Certain unmarried surviving spouses may also qualify.

✅ Primary Residence: The property must meet owner-occupancy and other eligibility requirements.

💰 Why It Matters: Lower property taxes could reduce homeownership expenses and help California veterans afford to purchase or keep their homes.

🏠 Looking for VA Home Loans in California?

California Mortgage Solutions helps veterans explore VA home purchase loans, VA refinancing, VA IRRRL streamline refinancing, and other mortgage options.

📍 Serving San Luis Obispo County and homeowners throughout California.

📧 [email protected]

🌐 www.camortgagesolutions.com

California Mortgage Solutions | Your California Mortgage Broker

🇺🇸 Thank you for your service!

10/24/2026

10/24/2026

🇺🇸 California Veterans: New Property Tax Exemption Could Save You Thousands!

🏡 BIG NEWS FOR DISABLED VETERAN HOMEOWNERS IN CALIFORNIA!

Governor Gavin Newsom signed SB 296, expanding California’s Disabled Veterans Property Tax Exemption beginning January 1, 2027.

What California Veterans Need to Know:

✅ Up to $1 Million: Qualifying disabled veterans may receive a property tax exemption on the first $1 million of their home’s assessed value.

✅ 100% Exemption: Eligible low-income veterans may qualify for a full exemption on that amount.

✅ 50% Exemption: Other qualifying disabled veterans may receive a 50% exemption on that amount.

✅ Surviving Spouses: Certain unmarried surviving spouses may also qualify.

✅ Primary Residence: The property must meet owner-occupancy and other eligibility requirements.

💰 Why It Matters: Lower property taxes could reduce homeownership expenses and help California veterans afford to purchase or keep their homes.

🏠 Looking for VA Home Loans in California?

California Mortgage Solutions helps veterans explore VA home purchase loans, VA refinancing, VA IRRRL streamline refinancing, and other mortgage options.

📍 Serving San Luis Obispo County and homeowners throughout California.

📧 [email protected]

🌐 www.camortgagesolutions.com

California Mortgage Solutions | Your California Mortgage Broker

🇺🇸 Thank you for your service!

10/24/2026

🇺🇸🏡 BIG NEWS FOR CALIFORNIA DISABLED VETERANS! PROPERTY TAX RELIEF COULD MEAN THOUSANDS IN SAVINGS!

California’s SB 296 is designed to expand property tax relief for qualifying disabled veterans and eligible surviving spouses, potentially making homeownership significantly more affordable.

At California Mortgage Solutions, we believe those who served our country deserve every opportunity to achieve and maintain homeownership. 🇺🇸

🏠 WHAT COULD THIS MEAN FOR CALIFORNIA VETERANS?

✅ Property Tax Exemption: Qualifying veterans could receive an exemption on up to $1 MILLION of their home’s assessed value.

✅ Low-Income Veterans: Eligible households may qualify for a 100% exemption on the applicable assessed value, subject to the program’s limits.

✅ Additional Income Tier: Qualifying veterans above the income threshold may receive a 50% exemption on the applicable assessed value.

✅ Surviving Spouses: Certain eligible unmarried surviving spouses may also qualify.

✅ Primary Residence: The exemption applies to qualifying owner-occupied homes.

📅 Proposed Benefit Period: January 1, 2027, through December 31, 2031, subject to the law’s final requirements.

💰 WHY DOES THIS MATTER?

Property taxes are a major expense of California homeownership. Reducing that burden could help eligible veterans:

🏡 Lower their annual housing expenses.

💵 Keep more of their hard-earned money.

🔑 Make purchasing a home more affordable.

❤️ Remain in their homes with greater financial security.

IMPORTANT: Eligibility, income limits, exemption amounts, and implementation should be verified with your county assessor and the final enacted law before relying on these benefits.

🇺🇸 VETERANS: YOU MAY HAVE MORE HOME FINANCING OPTIONS THAN YOU REALIZE!

At California Mortgage Solutions, we help California veterans explore:

✔️ VA Home Loans

✔️ VA Cash-Out Refinancing

✔️ VA Interest Rate Reduction Refinance Loans (IRRRL)

✔️ Home Purchase and Refinance Options

✔️ Mortgage Strategies Designed Around Your Financial Goals

📲 Thinking about buying a home or refinancing in California?

Let’s explore your VA mortgage benefits and financing options together!

📧 [email protected]

🌐 www.camortgagesolutions.com

California Mortgage Solutions, Inc.

More Options. Better Mortgage Solutions.

🇺🇸 THANK YOU TO ALL OUR VETERANS FOR YOUR SERVICE!

💬 Know a disabled veteran or military family who could benefit from this information? SHARE THIS POST! It could help someone discover valuable property tax relief.



CA DRE 01525047 | NMLS 325189 | Equal Housing Opportunity

10/24/2026

🏡🚨 BIG MORTGAGE NEWS: Could Homeownership Get More Affordable?

President Trump has signed a new executive order aimed at reducing mortgage costs, refinancing expenses, and other fees associated with homeownership.

💰 Here’s what California homebuyers and homeowners need to know:

✅ Lower Closing Costs – Expanded title insurance alternatives could reduce expenses when buying or refinancing.

✅ Easier Refinancing – Potential appraisal and documentation waivers could simplify the mortgage refinance process.

✅ Reduced Mortgage Fees – Proposed reductions in certain Fannie Mae and Freddie Mac fees could lower borrowing costs.

✅ Automatic PMI Cancellation – A proposed pilot program could help eligible homeowners eliminate private mortgage insurance automatically.

✅ Greater Housing Affordability – The goal is to make buying and owning a home less expensive.

⚠️ IMPORTANT: These changes are NOT in effect yet. Federal agencies must evaluate and implement the proposals before borrowers can benefit.

🏠 WHAT DOES THIS MEAN FOR YOU?

Whether you’re buying your first home, refinancing, or looking to eliminate PMI, understanding your mortgage options could save you thousands.

📉 Don’t wait for Washington to make changes. You may already qualify for better mortgage options today!

📲 Let’s review your mortgage options!

🏡 California Mortgage Solutions
📧 [email protected]
🌐 www.camortgagesolutions.com

💬 COMMENT “MORTGAGE” if you’d like to learn how these potential changes could affect your home loan.

📌 SAVE this post for future updates!
🔄 SHARE with someone buying or refinancing a home!

MortgageInsurance ClosingCosts HomeBuying FirstTimeHomeBuyer CaliforniaRealEstate HousingAffordability MortgageBroker SanLuisObispo CaliforniaMortgageSolutions

10/24/2026

This won’t take affect for a while but will definitely help people lower payments without refinancing and lower closing costs for refinance and purchase loans , this is not political so please don’t make it political

🏡 BREAKING MORTGAGE NEWS: President Trump Signs Executive Order Targeting Homeownership Costs!

Could mortgage closing costs, refinancing fees, and private mortgage insurance (PMI) become more affordable?

A new executive order signed by President Trump aims to reduce several expenses associated with buying a home, refinancing a mortgage, and maintaining homeownership.

For California homebuyers and homeowners, these proposed changes could have significant financial implications.

🔑 5 Potential Changes Every Homeowner Should Know:

✅ Lower Mortgage Closing Costs: Expanded alternatives to traditional title insurance could help reduce certain home purchase and refinancing expenses.

✅ Easier Mortgage Refinancing: Potential appraisal and documentation waivers could simplify the refinance process for eligible borrowers.

✅ Reduced Mortgage Fees: Proposed reductions in government-sponsored enterprise (GSE) fees could help lower certain financing costs.

✅ Automatic PMI Cancellation: A proposed pilot program could automatically eliminate private mortgage insurance when eligible future loans meet specific requirements.

✅ Improved Housing Affordability: The overall goal is to reduce unnecessary costs and make homeownership more accessible.

⚠️ IMPORTANT: These Changes Are NOT Effective Yet.

The Federal Housing Finance Agency (FHFA) and other relevant agencies must evaluate and determine how these proposals can be implemented. Some may require additional approvals or regulatory action.

What does this mean for California homeowners?

If you’re considering buying a home, refinancing your existing mortgage, or removing PMI, understanding your current financing options remains essential.

Don’t wait for potential future changes to find out whether you could save money today.

At California Mortgage Solutions, we help California borrowers compare mortgage rates, closing costs, refinancing options, FHA loans, VA loans, conventional mortgages, jumbo loans, and investment property financing.

📩 Have questions about how these proposed changes could affect your mortgage?

Contact California Mortgage Solutions for a personalized mortgage review.

📧 [email protected]
🌐 www.camortgagesolutions.com

📖 Source: National Mortgage Professional
https://nationalmortgageprofessional.com/news/trump-targets-mortgage-insurance-refi-costs-sweeping-housing-order

President Donald Trump signed a sweeping executive order Thursday aimed at lowering the cost of homeownership, targeting everything from mortgage insurance premiums and refinancing fees to appraisal requirements and loan-level price adjustments.

10/23/2026

🏠 California Investors: Buy a Rental Without Showing Tax Returns?

A DSCR loan qualifies you on the PROPERTY's rental income — not your pay stubs or tax returns.

The math: monthly rent ÷ monthly mortgage payment (PITI). A ratio of 1.0+ means the property covers itself; 1.25+ often unlocks the best pricing.

• Down payment: usually 20–25%
• Credit: generally 680+ for the best terms
• Property types: single-family rentals, 2–4 units — many programs also allow condos and short-term rentals
• Speed: often 2–3 weeks to close — no income docs to grind through

Honest trade-off: rates run a bit above conventional. The deal only works when the rent covers the payment — run the numbers before you buy.

💬 Message me "DSCR" and I'll run the numbers on your target property.

Vic Kurkeyerian | NMLS #325094 | DRE #01476315 | California Mortgage Solutions, Inc.

10/22/2026

🏠 CALIFORNIA FIRST-TIME BUYERS: The Down Payment Help That Actually Exists

Think you need 20% down? Real California programs — verified against CalHFA's terms:

✅ MyHome — up to 3.5% toward down payment/closing costs. Deferred: no monthly payment, due at sale, refi, or payoff. First-time buyers.
✅ CalHFA ZIP — 2–3% for closing costs at 0% interest.
✅ CalHFA VA — 100% financing, $0 down, no PMI.
✅ GSFA Platinum — up to 5% of the loan, no first-time-buyer rule.
✅ MCC — federal tax credit up to $2,000/year.

⚠️ "Dream For All" is CLOSED to new applications — don't plan around it.

Fine print: credit floors 640–680, county income limits, apply through a CalHFA-approved lender.

💬 DM me "FIRST HOME" and I'll run your scenario — no obligation.



Vic Kurkeyerian | NMLS #325094 | DRE #01476315 | California Mortgage Solutions, Inc.

10/21/2026

Thinking about a refinance? Here's the plain-English version of what a rate-and-term refinance does.

It swaps your current mortgage for a new one with a different rate, a different term, or both. You keep the house; the loan underneath changes.

The honest part: a refinance comes with its own costs, and it's only worth doing if it fits your goals and how long you expect to stay. For some California homeowners it's a good fit. For others, the best move is to keep the loan they have.

What's the one thing you'd want to change about your mortgage if you could? Tell us in the comments.

California Mortgage Solutions | CA DRE 01525047 | NMLS ID 325189 | Equal Housing Opportunity