Jayne Combs, Mortgage Advisor & Strategist

06/27/2025

Hey homebuyers, this one’s for you 👀
If you’ve been thinking, ‘I just don’t have enough saved yet,’ listen to this —

📉 Median down payments just dropped from $32K to $26K. That’s the lowest we’ve seen since early 2022!

💸 “More buyers are using FHA and VA loans, which means you don’t need 20% down to get into a home.”

🚫 And with investor activity slowing down, there’s less competition. You’ve got a better shot now than you did a year ago.

🏡 So if you’re waiting for a sign—it’s here.
Let’s talk options. You might be closer to homeownership than you think.

06/17/2025

🚨 **California Homeowners Affected by Disaster – Help is Here!** 🏚➡️🏠

If your home was destroyed or made uninhabitable by a wildfire or flood between Jan 2023 and Jan 2025, you could receive **up to 3 months of mortgage payments (max \$20,000)** — *completely free*.

✅ No repayment required
✅ Must have a mortgage or reverse mortgage
✅ Income limits apply
✅ Includes houses, condos & manufactured homes

This is *a bridge to recovery* for families rebuilding after tragedy. Funds are limited, so don’t wait — apply today at [CalAssistMortgageFund.org](https://CalAssistMortgageFund.org)!

☎️ Need help? Call 800-501-0019 for personal assistance.

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CalAssist Mortgage Fund

06/17/2025

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06/17/2025

📉📈 Midweek Mayhem Incoming: Fed Talk + Rate Watch

There’s been a lot of political buzz lately… but not much action where it counts, the bond market. Which means rates are doing their usual dance: up a little, down a little, but mostly just hanging out in the same range we've seen since *last November.*

👉 So what’s next?
Tomorrow = Retail Sales Report 📊
Wednesday = Big day with the Fed 🏦 (don’t expect a rate cut, but they *will* spill some tea on where things are headed 👀)

📌 Bottom line:
If you're waiting for rates to magically drop, it’s not happening yet. But they’re also not skyrocketing. It’s a good time to check your options while things are still chill-ish.

📲 DM me if you want to talk refinance, purchase, or just vent about rate drama. 😅

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04/16/2025

💭 *Should I buy now… or keep renting?*
It’s a question a lot of people are asking right now—and the answer isn’t one-size-fits-all.

That’s why I wanted to share this easy

**Buy vs. Rent Calculator** from MGIC 👉 https://bit.ly/buyorwaitcalculator

It lets you play around with numbers and see the potential costs and benefits based on your situation.

But here’s the real truth ➡️ calculators are a great starting point, but they don’t tell the whole story.
📞 *Talking to a loan officer (like me!)* can help you see your real options and even create a plan for the future—whether that’s buying now or getting ready for later.

🔑 **Knowledge is power**—and you deserve to know where you stand.
DM me anytime or drop a comment below. Let's figure it out together 💬🏡

03/28/2025

Anyone looking for a place in the Concord? Check out Ksenia Levenkova Realtor East Bay listing in Concord. Don't let the myth of 20% down stop you! Let's see what it would take to get you into this place, you might be surprised.

03/07/2025

🚨 Attention, fence sitters! 🚨 It's officially starting to feel like a buyer's market out there, and that fence you've been sitting on? Yeah, it’s looking a little cozy... but trust me, it's time to hop off before someone else steals your spot! 🏃‍♂️💨

With all these great deals popping up like daisies in spring, why wait? Blink twice if you're ready to jump in and snag that perfect opportunity! 🌼🤔 Comment below with a simple "I’m ready" or even just a thumbs up! 🏡✨

03/06/2025

For those who are still on the fence, check this out!

📢 BIG NEWS for California Homeowners & Buyers! 🏡💰

Home prices in CA jumped 6.3% 📈 in January! More homes SOLD (+1.3%) 🏠 and inventory is UP 22.8%! 📊

✅ Sellers – Your home is worth MORE! Now’s the time to cash in! 💵
✅ Buyers – More options = Less competition! 🏡✨
✅ Investors – Rising values = Strong market! 📊💰

💥 Don’t miss this opportunity! Call me today at 📞 (916) 792-0700 and let’s make your real estate dreams happen! 🚀🏡

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03/05/2025

🏡✨ Hey there, future homeowners! Ready to unlock the door to your dream pad? Here’s a little secret: You don’t need a fat paycheck to snag that perfect home—you just need to trim down your debt!

Imagine this: You’ve got a $300 car payment hanging over you. That’s money that could be working for you instead of against you when it comes time for mortgage approval. But guess what? A few smart moves can boost your buying power BIG TIME!

💡 **Quick Wins for Your Wallet:**
1. **Slash Small Debts:** Tackle those tiny credit card balances first—like that $500 one—and watch your debt-to-income ratio (DTI) drop!
2. **Extra Payments = Extra Power:** Got an extra $50 this month? Put it towards loans and feel the difference!
3. **Hold Off on New Toys:** Resist the urge to finance new stuff until after you’ve got those keys in hand.

Every dollar you knock off your debt means more options when it comes time to buy! So why wait? Start today and see how high your mortgage potential can soar! 🚀

❤ If you're ready to tackle that debt, type "Future Homeowner" in the comments. Don’t forget to follow me for daily tips on making homeownership dreams come true!

02/13/2025

House hunting without pre-approval is like online dating without photos — why take the risk?

Imagine this: You’re swiping through houses online, falling for that stunning kitchen with the waterfall island and the dreamy backyard perfect for summer BBQs. 🌿✨ You’re picturing yourself hosting game nights and cozy Sundays by the fireplace. It’s love at first scroll! 😍

But wait—there’s a catch. You haven’t been pre-approved. So, you book a showing, fall even harder for the home… and then realize you can’t actually afford it. 💔

That’s like online dating without checking the profile pics—why risk it? 😳

Get pre-approved first and shop with confidence! No more heartbreak over homes that were never the right match. 🏡💡

❤️ Like this post & tag a friend who needs help getting pre-approved for a mortgage

-> Follow for more mortgage tips!

01/16/2025

🎯 Ready to Buy Your Dream Home? Don’t Let These Gift Money Mistakes Trip You Up! 🏠✨

💡 Did you know a simple misstep with gifted money can throw your whole home-buying process off track? Let’s make sure that doesn’t happen to you! Here’s what you NEED to know:

1️⃣ Talk to a lender first—before you accept a single penny.
2️⃣ Document the gift like a pro. No surprises here!
3️⃣ Check the tax rules—keep Uncle Sam happy.
4️⃣ Avoid Venmo or Zelle—trackable transfers are your BFF.
5️⃣ Save for more than the down payment—don’t blow it all at once!

💬 Drop “READY” if you’re ready to dive into the mortgage pre-approval process.

🎥 Follow 👉 for tips that make home buying simple!

01/14/2025

You're not alone! Let’s talk about how locking in your mortgage rate now might save you stress AND money later. Don’t wait—your dream home is closer than you think! 💪💰

💬 Drop your questions in the comments!