David Greco - NMLS 253713

06/17/2026

NEW Physician Mortgage Program!!

If you're a physician, resident, or fellow, homeownership may be closer than you think.

This specialized financing program offers:

-Up to 100% financing
-No monthly mortgage insurance (MI) — regardless of your down payment amount
-Loan amounts up to $2 million
-Minimum 680 FICO score
-More flexible treatment of student loan debt
-Student loans in deferment or forbearance may be excluded from qualifying for eligible borrowers in residency or fellowship
-Available for primary residences
-Purchase and rate-and-term refinance transactions
-Fixed-rate options (15- and 30-year) plus 5/6, 7/6, and 10/6 ARM programs

If you've delayed buying a home because of student loans, a limited down payment, or concerns about qualifying, this program could be worth exploring.

Send me a message or give me a call to see if you qualify.
530-318-2853
[email protected]

06/17/2026

Entrepreneurship is rarely a straight path.

Some days you're closing deals.
Some days you're solving problems.
Some days you're simply gaining the perspective that will shape your next opportunity.

Keep moving forward.

06/13/2026

The view never gets old.

While everyone focuses on mortgage rates, the bigger story today is opportunity.

More inventory than last year

More negotiating power for buyers

More seller concessions available

Creative financing options that weren't available just a few years ago

Markets change. Opportunities come and go.

The buyers who succeed are usually the ones who prepare before the perfect conditions arrive.

Thinking about buying in Tahoe, Carson Valley, or Northern Nevada? Let's build a plan.

530-318-2853
[email protected]

06/10/2026

Take Time to Enjoy Tahoe!
One of the things I love about living and working in Lake Tahoe is that sometimes the best part of the day is simply getting outside and exploring.

Whether you're hiking a trail, spending time at the lake, or just enjoying the scenery, homeownership is about more than a mortgage—it's about creating a life in the place you love.

If buying, refinancing, or planning for your next move is on your radar, I'm always happy to answer questions.

06/08/2026

Monday Mortgage Market Update

The market has shifted.

Buyers are finding more inventory, more negotiating power, and more opportunities for seller-paid concessions than we've seen in quite some time.

If you've been waiting for the "perfect rate," don't overlook today's opportunities:

For homeowners, refinancing isn't just about lowering your rate. It can also help eliminate mortgage insurance, consolidate debt, or improve monthly cash flow.

Wondering what makes sense for your situation?

Let's run the numbers.

David Greco
NMLS #253713
530-318-2853

06/05/2026

SAVE $257/MONTH
Free 1-Year Buydown for the month of June
What would you do with an extra $3,085?

That's the approximate first-year savings on a $400,000 mortgage when a temporary 1-year buydown lowers the interest rate from 6.50% to 5.50% during the first 12 months.

For loans locked during June, I'm offering a complimentary 1-Year Buydown on eligible transactions.

For many buyers, that means:

• Lower payments during the first year
• More flexibility in the household budget
• Time to refinance later if rates improve

If you're considering buying this summer, let's run the numbers and see what the savings could look like for your situation.
530-318-2853
[email protected]

Example based on a $400,000 loan amount. Temporary buydown reduces the note rate by 1.00% during the first 12 months only. Payment examples reflect principal and interest only and do not include taxes, insurance, HOA dues, or other costs. Actual rates, payments, and terms may vary based on credit qualifications, loan amount, occupancy, and program eligibility. Not all borrowers will qualify. Offer available on eligible loans locked between June 1, 2026 and June 30, 2026. NEXA Mortgage, LLC. NMLS #1660690. Equal Housing Opportunity.

06/01/2026

Many buyers are surprised by what today’s payments actually look like compared to where rates were not long ago.
If you’ve been waiting on the sidelines, it may be worth taking another look.
Give me a call 530-318-2853
[email protected]
bit.ly/apply-davidgreco

05/29/2026

Friday Mortgage Market Update

Mortgage rates remain volatile in the short term, but they are still significantly improved compared to a year ago. Markets are closely watching inflation trends, Federal Reserve policy, and upcoming jobs data — all of which continue to create movement and opportunity in the rate environment.

Right now, the bond market is reacting to signs that inflation is cooling slowly — but not fast enough for the Fed to feel comfortable cutting rates aggressively yet.

Next week’s employment numbers could be a major mover for mortgage pricing:
-weaker labor data could help rates improve
-stronger-than-expected hiring could push rates higher again

Oil prices and global instability are also keeping pressure on inflation expectations, which directly impacts mortgage-backed securities.

The market is moving quickly, and timing matters more than ever.

If you’re buying, refinancing, or just trying to understand what today’s payment looks like, call me and let's look at the numbers.
530-318-2853
[email protected]

05/28/2026

CA FAIR PLAN EXPECTED TO RAISE RATES 29% ON AVERAGE, BEGINNING OCT 15
The California FAIR Plan — the state’s high-cost, bare-bones fire insurance of last resort — is raising rates 29 percent, on average, starting mid-October. The California Department of Insurance approved that increase just last month. That will be a sharp and expensive premium hike for many homeowners, but the Department says there’s good news to help balance this all out.

Starting October 15 — whenever after that someone’s policy is set to renew — customers will see an average 29 percent increase in their homeowners premium, meaning that some people will see an increase higher than that, and others, lower. Last year, the FAIR Plan asked for a 35.8 percent increase, but the department granted a lower 29 percent increase.

The good news is that the state’s recent insurance reform is bringing insurance companies back to California. 12 insurance companies are responsible for 85% of homeowners policies in the state, and of those, 6 have so far agreed to the Sustainable Insurance Strategy, including CSAA, Mercury, USAA and Farmers, among others. Travelers and AAA SoCal are reviewing rates, along with several other, smaller companies. The reform offers them rate-setting tools they’ve sought for years, in exchange for agreeing to write more policies in higher-wildfire-risk areas.

Now is a good time to call insurance agents because you might have more options.

To read more: https://bit.ly/4v3F4Ki

05/25/2026