Tom Huntley, Mortgage Loan Officer, NMLS ID: 251159

09/11/2026

Buy now or wait until fall? Tips for homebuyers in 2026
With mortgage rates reaching a one-year high at 6.66%, and the median home price now at $440,600 (up 1.8%), it’s no surprise that many homebuyers are weighing whether to purchase now or hold off until fall. Housing supply has ticked up to 4.6 months, giving buyers a bit more breathing room. From my 25+ years helping clients navigate the California market—especially here in Sonoma and Napa—I’ve seen that buying now offers the security of locking in a home as prices rise modestly. On the other hand, waiting could bring the potential for slightly lower prices and less competition, though there’s always uncertainty in timing the market. Whether you’re a first-time buyer or exploring renovation financing options, understanding your priorities and comfort level with current rates is key to making a move that fits your long-term goals.
https://www.housing-trends.com/agent-news/tom-huntley/1946916-Buy-now-or-wait-until-fall%3F-Tips-for-homebuyers-in-2026

09/10/2026

Reverse Mortgages: Should Retirees Consider One?

09/10/2026

09/10/2026

FHA Loans: How They Work
FHA loans can be a real game-changer for buyers with limited savings or less-than-perfect credit—something I see often in my work helping first-time buyers throughout Sonoma and Napa. These loans are insured by the FHA but offered by approved private lenders, so you’ll still work with a lender like me to guide you through the process. If your credit score is 580 or higher, you may qualify for a down payment as low as 3.5%. If your score is between 500 and 579, a 10% down payment is generally required. FHA loans are designed for primary residences, not vacation or investment properties, and the borrowing limits depend on your county and the property type.

Monthly payments typically include more than just principal and interest—expect mortgage insurance, taxes, homeowners insurance, and escrow to be factored in. It’s important to weigh the upfront savings against the long-term costs. FHA loans often serve buyers with limited cash or lower credit, but those with stronger credit profiles might find conventional options or refinancing appealing after building equity. With over 25 years in home lending, including FHA 203(k) renovation expertise, I’m always happy to break down what this could mean for your homeownership plans.

09/08/2026

Por qué y cómo están cambiando las reglas de financiamiento para condominios
Let’s connect and talk about the latest insights in the industry!

09/08/2026

Reverse Mortgages: Should Retirees Consider One?
After more than 25 years navigating home loans across Sonoma and Napa, I’ve seen how easily refinancing myths can trip up even seasoned homeowners. When considering refinancing, it’s smart to get at least three same-day quotes and look beyond just the interest rate—focus on the APR, since that includes lender fees and gives you a truer sense of the cost. Remember, refinancing isn’t free: closing costs typically run 2% to 5% of your new loan, so it’s important to work out your break-even point before making a decision. Don’t assume a lower rate automatically means you’ll save money; starting over with a fresh 30-year term may actually increase the total interest you’ll pay over time. When you refinance, your original mortgage lien is replaced by a new one—this rarely complicates selling your home later, but be especially careful if you’re considering a cash-out refi. And yes, your credit will be checked: borrowers with strong credit profiles and a debt-to-income ratio under 36% often qualify for the best options, but even those denied in the past can take steps to improve and try again. My background in renovation and construction lending has taught me that the details matter—take the time to review all aspects before moving forward.

09/06/2026

Happy Labor Day!

09/06/2026

Breaking down barriers to achieve the American dream: How first-time homeownership is possible
Think owning a home is out of reach? 🏡 Despite rising prices, nearly half of adults still dream of buying! Good news: you don’t need a 20% down payment or perfect credit. Discover programs & tips to unlock your path to homeownership—are you ready to take the first step? ✨💡
https://www.housing-trends.com/agent-news/tom-huntley/1911839-Breaking-down-barriers-to-achieve-the-American-dream%3A-How-fi

09/05/2026

Commercial, Multifamily Borrowing Up 16% in Q2 2026
Seeing a 16% year-over-year increase in commercial and multifamily lending in Q2 2026 is a significant indicator of where the market is headed. Office and retail loan originations are driving this growth, while industrial lending surged 38% quarter-over-quarter. On the other hand, health care property originations dropped 19%. With over 25 years in the lending space, I’ve watched how these trends can ripple into residential and renovation lending as well—especially in dynamic markets like Sonoma and Napa. For those keeping an eye on where loan opportunities are opening up, these shifts highlight the importance of understanding both broad market movements and the nuances of specialized lending.
https://www.housing-trends.com/agent-news/tom-huntley/1923142-Commercial%2C-Multifamily-Borrowing-Up-16%25-in-Q2-2026

09/04/2026

Mortgage rate predictions through 2030: What the market looks like
Curious where mortgage rates are headed? 📈 Experts predict rates could hover near 6% in five years, with a best-case dip to 5% or a climb to 7%. What would a change mean for your plans? 🏡 Tap to see what the future holds! 🔍
https://www.housing-trends.com/agent-news/tom-huntley/1938856-Mortgage-rate-predictions-through-2030%3A-What-the-market-look