John Kay NMLS #281547

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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 skilled 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.

Price cuts have climbed for 7 straight months. Right now, more than 4 in 10 homes for sale have already had one, and it ...
09/30/2026

Price cuts have climbed for 7 straight months.

Right now, more than 4 in 10 homes for sale have already had one, and it usually comes down to one thing – the market's moving faster than most sellers expected and their pricing hasn’t necessarily kept up.

A home that needs a cut usually just sat too long priced above what buyers will actually pay right now.

Selling soon? Let's set your number right from day one, so you skip that wasted time.

House hunting? A home that's had its price reduced means the seller's already been through that wait. And sellers who've been sitting are usually ready to deal.

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

Mortgage rates have been climbing again, and if you're hoping to buy, that can feel discouraging.Here’s what you have to...
09/23/2026

Mortgage rates have been climbing again, and if you're hoping to buy, that can feel discouraging.

Here’s what you have to remember.

You can't control where rates go. But you can control a few things that shape the rate you actually get: your credit score, the type and term of loan you choose, and whether you buy a newly built home, where builders are often buying down rates to bring buyers in.

Focus there, and you put yourself in a stronger spot without waiting on the market.

Want to talk it through? A trusted lender can help with the numbers, and we can find the home to match. Let's connect.

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

09/16/2026

Still Waiting for Rates To Come Down?

When affordability is this tight, waiting for lower mortgage rates can feel like your only way in. But 41% of buyers who waited actually wish they'd bought sooner. And right now, inflation, the economy, and global events are all having an impact on rates – and could even nudge them up. So, waiting might not pay off the way you hope. You don’t have to buy now. Move only when the numbers work for you. But talk to a trusted lender first, so you know all your options.

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

09/09/2026

Fall Guides for Buying or Selling a Home

The last months of 2026 are here.. The new Fall Guides walk you through what’s ahead, show you what Fall’s market actually looks like, and give you tips on how to make a smart move before the year ends. Get in touch for your free digital copy today.

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

You probably think as a general rule of thumb, brand new homes costs more than existing homes. But right now, that's bac...
09/02/2026

You probably think as a general rule of thumb, brand new homes costs more than existing homes. But right now, that's backwards. This shows just how much.

A newly built home costs about $40k less than an existing one right now. That's because builders are cutting prices and piling on incentives to keep their inventory moving.

And that opens up a window for you to get brand new everything for less than you may expect.

DM me if you want a list of nearby new home communities offering deals like this right now to see if a new build may be in your budget after all.

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

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

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San Ramon, CA

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Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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+19258585626

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