Tim Kepler NMLS # 224085

09/26/2025

https://youtube.com/shorts/wv0G98hE2zo?si=LZ2tCVNPe_YubRXn

Enjoy the videos and music you love, upload original content, and share it all with friends, family, and the world on YouTube.

07/19/2025

Check this out! New home for less than $800,000; 2,500 square feet; 5 bed rooms; 3 Baths in Contra Coasta. 3 and 3.5% down avaible. Check you the financing flyer

04/16/2024

Find out more about Golden State Home Loans by following them on Google

04/12/2024

03/30/2024

Rates appear to be steady for the last week.

03/27/2024

Here is a cocktail to get you in the Easter mood?

03/23/2024

In the market for a beautiful home! Her are some affordable new home for you in a great neighborhood. Call, text or message me if you would like to know more about financing.

03/22/2024

Facebook Post: Good News for Homebuyers? Mortgage Rates Might Keep Dipping!
Looking to buy a home? Here's some encouraging news!

Mortgage rates have been trending down for the past few months, but there have been some ups and downs along the way. This is because of positive economic data, like strong job growth.

Even though the Fed might not cut rates soon, there's a chance they could keep going down! Here's why:

Quantitative Tightening (QT): Imagine the Fed is selling off mortgage-backed securities. This reduces supply, which (think basic economics!) could push prices up and bring mortgage rates down (they have an inverse relationship).
The takeaway? There's a good chance mortgage rates will keep dropping in the coming months.

Thinking of buying a home? Now might be a great time to explore your options!

P.S. Check out the comments for some graphs showing the recent trends in mortgage rates and the Treasury market!

03/22/2024

03/01/2024

02/15/2024