Buku Lending

01/07/2026

09/25/2025

Speed in this industry is important, especially when trying to ensure your clients get their offer accepted over competition. Partnering with UWM has won me many deals over the last few months by getting purchases closed in under 15 days.

09/18/2025

I feel like a broken record so here is the chart from Sept 2024 to today so you can see clearly what I mean when I said the market prices in the Fed cut well before the actual cuts and that when waiting for the cut actually hurts you.

The Federal funds rate which is the only rate the Fed can control is the overnight borrow/lend rate that banks borrow from the Fed. This only affects short term debt like auto loans, credit cards etc. With lower Fed rates you will also start to see high yield savings accounts disappear so keep an eye out on those accounts.

Mortgage rates have gone down to the 5's and low 6's for the past few weeks but are starting to creep up so if you're looking to refi and have a rate in the high 6's or even 7's, this is your time. We have a pricing special going on so feel free to call or text me at (818) 855-6522 to get a hassle free quote with no hard credit pulls.

07/02/2025

During the first quarter of 2025, the inventory of unsold homes on the market increased to 507,000 units, the highest level since October 2007. The supply of completed homes for sale was the highest since July 2009.

This is the time we are seeing buyers getting more seller credits which can go towards a rate buy-down, purchase price and/or closing costs. If you can afford a home right now than now is a good time to buy before rates fall too much which will bring a lot more competition and cause bidding wars like we saw in 2020-2023.

Get pre-approved as fast as 10 min by clicking this link https://2113850.my1003app.com/1477752/register?time=1751471523915

02/13/2025

If you have been interested in the financial side of real estate or are already a loan officer, give me call or send me a DM. (Remote Position)

With another refi boom just months away I want to get everyone trained and up to speed as soon as possible.

10/17/2024

NEW REFI UPDATE:

If you purchased a home with a conventional loan in the past 6 months or later, you can now do a cash out refi up to 90% loan to value and with no private mortgage insurance.

You no longer have to wait 12 months to refi so if you want to consolidate high interest debt, hurting for cash, or simply want to get on some home renovations you've been putting off, you are now eligible through UWM. Reach out to learn more.

10/04/2024

Want to share this because there seems to be a lot of misconception regarding Fed rate cuts. The Fed can only adjust the federal funds rate which is the interest rate that banks pay each other to borrow/lend overnight. This affects short term debt like credit cards and auto loans etc.

Long term debt like mortgages tend to follow the bond market, 10yr yield more specifically. The market has already priced in the rate cuts so once we get confirmation, rates actually went up as you can see here.

Other big movers in the bond market are economic news, global tensions etc. Today the Sept jobs report came in much higher than expectations which made investors less confident in another big move from the Fed this year.

When the economy shows strength, investors move their money out of bonds and into the stock market which helps drive up rates even more that's because the price of bonds move inversely to yields. (As they sell off bonds the price goes down and yields go up)

Next time I tell you its a good time to refi you may want to listen instead of waiting on the Feds next move.

08/14/2024

07/31/2024

For all of you who have purchased a home using a VA or FHA loan before Dec of last year, you're eligible to take advantage of their streamline rate and payment reduction program.

On a $500k loan currently at 6.5% going down to 5.5% will save $323/month.

07/26/2024

Housing inventory is up substantially in 98% of the US which is creating a buyers market finally. Rates are still high but have come down considerably from the highs of Nov last year.

Based on the data from economists we should anticipate 2 rate cuts of 25bps each, first in Sept and second one in Dec so if you’ve been on the sidelines waiting to buy you’ll want to start positioning yourself soon so you can make offers when you find the home you like.

You’re not going to like getting caught in bidding wars again when rates fall, that I promise. Reach out for a hassle free pre approval.

07/17/2024

07/13/2024

Anyone who has purchased a home before Jan 2024 using either an FHA or VA mortgage is now eligible for their streamline rate and payment reduction program. If this is you than read on.

Product Highlights:

1. Lower interest rate and payment
2. No out of pocket costs
3. Skip two mortgage payments
4. Receive your escrow refund check after closing
5. No appraisal needed
6. No income docs required
7. Close in 8 days
8. On FHA your new PMI drops to .55% from the current .8%

This program will benefit those with rates 6% and above. Call or text me if you have any questions or want to price it out.