John Kay NMLS #281547

John Kay NMLS #281547 Senior Loan Officer - loanDepot
NMLS #281547
Equal Housing Opportunity For the past 33 years, John F.

Kay has been dedicated to providing a world-class mortgage experience to his clients. He has assisted thousands of customers in securing the home financing they need to achieve their homeownership goals. Whether working with a first-time homebuyer, a seasoned investor or a homeowner seeking to refinance an existing mortgage, he is passionate about helping people from all walks of life. John is ski

lled at carefully guiding his clients through every step of the home loan process, starting with educating them upfront and then providing consistent updates. This has been a proven method to help reduce anxiety and eliminate surprises throughout the transaction. His professionalism and efficiency have earned him a reputation as a trusted source for referrals from real estate agents, past clients and other professionals in the community. John looks forward to serving you and your home financing needs.

Quick question: what's the one word you'd use to describe this year so far?For a lot of people, it's stressful. And when...
08/26/2026

Quick question: what's the one word you'd use to describe this year so far?

For a lot of people, it's stressful. And when everything feels shaky, it’s easy to second-guess the move you were ready to make. But the truth is, the housing market is one thing that’s been remarkably stable.

Home prices have been relatively steady for about 4 years now. The number of homes for sale is right about where it was last year (up 2%). And mortgage rates have held in the same general 6-7% range since late 2022.

A steady market comes with a perk. You can actually plan. What works for your budget today probably won’t look all that different in a few months.

You don’t have to wait for things to calm down. The housing market’s already pretty steady. Send me a DM or drop a comment below, and let's compare the market you walked away from to the one that's here now.

Please contact me with any questions.
(925) 858-5626

One of the biggest stories in the housing market these past few years has been how much the supply of homes for sale has...
08/19/2026

One of the biggest stories in the housing market these past few years has been how much the supply of homes for sale has grown. It’s the #1 bright spot for buyers in this market.

But you may have heard that growth has been slowing down.

It’s true it went from +31% a year ago to just +2% now. But that’s no reason to worry about your move.

Because nationally, inventory has been up year-over-year for 33 straight months. And the latest data shows the slowdown may have already hit its floor.

Plus, since rates aren't expected to come down much anytime soon, inventory growth may be about to pick back up.

The bottom line? Inventory is still better than it was last year – and that gives you options. And even more choices may be coming soon.

Wondering what this means for your plans? Send me a DM and let's talk through what’s available right here, right now.

Please contact me with any questions.
(925) 858-5626

A lot of buyers are waiting because they think mortgage rates will drop dramatically.The problem? That's not what today'...
08/12/2026

A lot of buyers are waiting because they think mortgage rates will drop dramatically.

The problem? That's not what today's forecasts say is going to happen.

Experts believe mortgage rates will actually stay in the mid to low 6s through 2027 due to a number of factors – including inflation.

What’s that tell me? Waiting may not pay off the way you hope it will.

So, if moving is important to you, I want you to know waiting isn’t your only option.

Builder incentives, adjustable-rate mortgages, assumable mortgages, and rate buydowns are just a few of the strategies worth exploring that could help with affordability right now.

I’m not saying you have to buy today, but you should at least know your options. Let's talk about what could work for you.

Please contact me with any questions.
(925) 858-5626

71% of homeowners say their insurance costs have gone up over the past few years.And if you're buying a home, that's wor...
08/05/2026

71% of homeowners say their insurance costs have gone up over the past few years.

And if you're buying a home, that's worth knowing – but it shouldn't scare you away from your plans.

Yes, affordability is still tight. But you can't control every cost that comes with buying a home. You can only control how prepared you are.

And in a market like this, one of the smartest things you can do is get an insurance quote before you make an offer. It'll give you a clearer picture of what your monthly housing costs will look like, help you build a more realistic budget, and keep you from being surprised after closing.

Buying a home is a big decision. The more you know before you buy, the more confident you'll feel when it's time to make your move.

Want more advice or have a question? DM me.

Please contact me with any questions.
(925) 858-5626

Did home prices just hit a turning point? Even though all the headlines out there make it sound like prices are crashing...
07/29/2026

Did home prices just hit a turning point?

Even though all the headlines out there make it sound like prices are crashing, here’s what the data really says.

Yes, price growth cooled from around 7% in mid-2024 to closer to 3% today. But that’s not a crash. It’s just a slowdown.

And if you look at the right side of this graph, it seems like price growth may have hit its low point and started to turn.

Now, two months of data doesn’t necessarily make a trend. But a few things back this up.

Compared to earlier this year, fewer markets are seeing price declines right now. And, forecasts call for price growth to pick up a bit before end of year.

Whether you’re buying or selling, I want you to have breaking info like this as soon as I have it – especially when it looks like something is changing.

DM me "PRICES" and I'll show you exactly what home prices are doing in our local market and what that means for you.

Please contact me with any questions.
(925) 858-5626

07/22/2026

Why a Slight Rise in Foreclosures Doesn’t Signal Another Crash

The foreclosure headlines may sound alarming. Here’s why you shouldn’t panic. Far fewer homes are starting the foreclosure process today compared to 2008. So, even with the recent uptick, foreclosure starts are down about 82% from where they were in 2008. And that means we’re a long way from crash territory. Have questions about what you’re seeing on social media or in the headlines? Let’s connect.

Please contact me with any questions.
(925) 858-5626

07/15/2026

Homes Sold with an Agent Sell for $65,000 More

Selling soon? Worried about how much you'll make in today's market? An agent can help your house sell for as much as possible. Homes sold with an agent sell for $65,000 more than homes sold without one. Because a pro has the right network, marketing, and pricing strategy to draw stronger offers. So, when you're ready to make top dollar for your house, let's connect.

Please contact me with any questions.
(925) 858-5626

Offering incentives can often help your clients secure faster, better sales – if they’re strategic. Know your options so...
03/14/2025

Offering incentives can often help your clients secure faster, better sales – if they’re strategic. Know your options so you can help your sellers get the most out of the deal. That’s what we’re here for. 💵

Monthly maintenance is a great way to keep an eye on your home and avoid bigger fixes down the road. Breaking up this ch...
03/13/2025

Monthly maintenance is a great way to keep an eye on your home and avoid bigger fixes down the road. Breaking up this checklist over the course of the month keeps you organized and your home happy.
For more home maintenance musts, check out our article: http://spr.ly/6182xo85r 💡

Who's making the next big move? Younger Baby Boomers lead the pack when it comes to home sellers, but hot on their heels...
03/12/2025

Who's making the next big move? Younger Baby Boomers lead the pack when it comes to home sellers, but hot on their heels are Gen Xers. 🏠

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