Amy Costa-Bigler CA Mortgage Broker

Amy Costa-Bigler CA Mortgage Broker Amy Costa-Bigler
Mortgage Planner 🏡🗝
NMLS #270094

“Amy has a wide range of mortgage choices, excellent rates and flexible terms.

🏆Award Winning CA Mortgage Broker • Top 1% • Mortgage Advisor • Buyer Specialist • Refinancing • Investing • HELOCs • Customized Strategies • Nationwide | NMLS #270094
💚🏡🗝️ Integrity is the cornerstone of Amy's business. She believes a mortgage should be about building relationships, and helping her customers achieve their home financing goals, not just a transaction. Amy takes a consultative appr

oach to the home loan process by customizing each transaction to help her customers achieve their home financing goals. Many loan officers can get you a loan. Amy's mission is to get you the right loan.” Amy consistently is ranked among the top 1% of mortgage consultants within the US while maintaining excellent customer service ratings.

06/08/2026

Everyone keeps asking the same question:

📉 “When are rates coming down?”

The latest jobs report may have just pushed that timeline out a little further.

The economy added significantly more jobs than expected, which signals continued economic strength. While that’s generally positive news, it also reduces the likelihood of near-term Fed rate cuts.

Here’s what many buyers don’t realize:

Waiting for lower rates isn’t always the best strategy.

There are often ways to create a lower payment today through seller concessions, temporary buydowns, adjustable-rate options, down payment strategies, or simply structuring financing differently.

The buyers who win in this market aren’t always the ones who wait.

They’re the ones who understand their options.

If your homebuying plan is based entirely on the Fed cutting rates this summer, it may be time for a different conversation.

📩 Send me a DM with the word STRATEGY and let’s explore what’s possible in today’s market.

Most people think mortgage advisors get paid to close loans.I disagree.I get paid 𝚆𝙷𝙴𝙽 a loan closes.But my responsibili...
06/07/2026

Most people think mortgage advisors get paid to close loans.

I disagree.

I get paid 𝚆𝙷𝙴𝙽 a loan closes.

But my responsibility is helping people make smart financial decisions—even when that means the loan doesn’t happen today.

That means I may tell you to:

💚 Wait another 6 months (sometimes longer)
💚 Improve your credit first
💚 Buy less house than you’re approved for
💚 Keep your current mortgage
💚 Hold off on refinancing
💚 Explore other options before moving forward

Because my goal isn’t to create a transaction.

My goal is to create a 𝚂𝚃𝚁𝙰𝚃𝙴𝙶𝚈.

The truth is, some of the best advice I’ve ever given clients resulted in me not getting paid right away.

And I’m okay with that.

I’d rather help someone make the 𝚁𝙸𝙶𝙷𝚃 decision than the fastest decision.

Swipe through to see what I won’t do for a commission.

👇 What’s one thing you wish more professionals would be honest about?

06/07/2026

Most people think they need perfect credit, 20% down, and zero debt to buy a home… and that’s exactly why so many people delay the conversation before they even know their options. 👀

Here’s the truth:
✔️ You may not need perfect credit
✔️ You may not need 20% down
✔️ Having debt does NOT automatically disqualify you

Every buyer’s situation is different, and there are often more solutions available than people realize.

The biggest mistake? Assuming you can’t qualify without actually talking to a mortgage advisor first.

Sometimes one conversation can completely change what you thought was possible. 🏡

Drop your mortgage questions in the comments ⬇️
I’ll answer as many as I can.

And save this post for later — or send it to someone who still thinks they need a suitcase full of cash to buy a house. 💸😂

Most homeowners know they have equity.Far fewer know how to use it strategically.A HELOC isn’t just for remodeling proje...
06/06/2026

Most homeowners know they have equity.

Far fewer know how to use it strategically.

A HELOC isn’t just for remodeling projects.

Depending on your goals, it may help create flexibility for:
✔ Consolidating high-interest debt
✔ Home improvements
✔ Major life expenses
✔ Emergency reserves
✔ Investment opportunities

One of the biggest misconceptions I hear:

“I don’t want to lose my low mortgage rate.”

The good news? In many cases, you don’t have to.

A HELOC allows you to access equity separately while keeping your existing first mortgage in place.

The right strategy depends on your goals, timeline, and overall financial picture—which is why planning matters more than the product itself.

Curious how much equity you have available and whether a HELOC makes sense for your situation?

Comment “EQUITY” below or send me a message and I’ll help you explore your options.

Amy Bigler
Mortgage Advisor & Planner

People think this business is just rates and paperwork.It’s actually:💚 therapist💚 strategist💚 negotiator💚 financial coac...
06/06/2026

People think this business is just rates and paperwork.

It’s actually:
💚 therapist
💚 strategist
💚 negotiator
💚 financial coach
💚 crisis manager
💚 part-time detective
💚 full-time problem solver

Most smooth closings were chaotic behind the scenes.
You just had the right people holding it together.

The best lenders make impossible situations feel calm.
And honestly… sometimes that deserves more credit than the closing photo.

To every lender, processor, LOA, underwriter, escrow officer, and Realtor who truly shows up for their clients… this one’s for you. 🤍

Tag someone in this industry who always answers the call.

📲209.603.9648

06/05/2026

In today’s market, who you work with matters just as much as the rate.

A smooth closing takes more than an automated pre-approval and a generic 1-800 number. It takes strategy, communication, local market knowledge, and someone who knows how to navigate challenges before they become problems.

As a local mortgage advisor, I’m not just here to quote numbers. I’m here to guide, problem-solve, communicate, and advocate for my clients every step of the way. From tight timelines to complex files, competitive offers to last-minute underwriting conditions… experience and responsiveness matter.

Because when you’re making one of the biggest financial decisions of your life, you deserve more than a transaction. You deserve a lending partner who answers the phone, explains the process clearly, and knows how to get deals across the finish line.

And Realtors — you already know the difference strong communication makes during escrow.

If you’re planning to buy, refinance, or just want a smarter mortgage strategy, let’s connect.

📍Local guidance. Real communication. Strategic lending.

📊 WEEKLY MARKET UPDATE: The Data Is Improving… But The Fed Isn’t Ready To Celebrate Yet.This week brought some encouragi...
06/03/2026

📊 WEEKLY MARKET UPDATE: The Data Is Improving… But The Fed Isn’t Ready To Celebrate Yet.

This week brought some encouraging economic news:

✅ Inflation continues trending lower
✅ Mortgage rates have stabilized
✅ Job openings are cooling
✅ Consumer price pressures are easing

But here’s the catch…

The Federal Reserve is still signaling caution. While inflation has improved significantly from where it was just a few months ago, policymakers want more evidence before declaring victory.

So what does that mean for homebuyers and homeowners?

It means we’re entering a market where strategy matters more than predictions.

Could rates improve later this year? Possibly.

Could they remain elevated longer than expected? Also possible.

That’s why waiting for the “perfect” rate can be risky. The buyers who tend to win are the ones who understand their options, know their numbers, and have a plan for multiple scenarios.

The headlines will continue to change. (sometimes in the same day)

The math on your specific situation is what matters most.

If you’ve been wondering whether now is the right time to buy, refinance, or tap into your home’s equity, let’s run the numbers and see what makes sense for you.

📩 DM me “UPDATE” and I’ll help you build a strategy based on today’s market—not yesterday’s headlines.

🚨 BREAKING: If you were holding your breath for massive rate cuts this year, it might be time to exhale.With new Fed Cha...
06/03/2026

🚨 BREAKING: If you were holding your breath for massive rate cuts this year, it might be time to exhale.

With new Fed Chair Kevin Warsh taking the reins, the tone in Washington is shifting fast. Fed officials are publicly stating that inflation is still running too hot and the labor market shows no signs of slowing down. Their exact words? “Now is not the time to let down our guard.”

The markets are listening. Traders are now pricing in a 40% chance that the Fed actually raises rates by 25 basis points by December. The odds of rates moving higher are currently beating the odds of them moving lower.

If you’re floating a variable rate or waiting for the “perfect” rate to buy, this is your wake-up call. The landscape is changing.

🚨 WILD POLITICAL CROSSOVER: In a massive shakeup, President Trump just tapped Bill Pulte to be the acting Director of Na...
06/03/2026

🚨 WILD POLITICAL CROSSOVER: In a massive shakeup, President Trump just tapped Bill Pulte to be the acting Director of National Intelligence.

Why does this matter to real estate? Because until today, Pulte was the head of the Federal Housing Finance Agency (FHFA) — the organization that oversees Fannie Mae, Freddie Mac, and essentially dictates the rules for the entire U.S. mortgage market.

Moving the nation’s top housing official to oversee the CIA and FBI leaves a massive leadership vacuum in the housing sector right when the market is at a critical turning point. Who will take over the FHFA? And more importantly, what does this mean for housing policy, loan limits, and mortgage regulations for the rest of 2026?

We’re watching this closely. Make sure you’re following us for updates on how this impacts your money.

The biggest mortgage mistake people make?Choosing a loan based on the rate… instead of the strategy.A lower rate can act...
06/03/2026

The biggest mortgage mistake people make?
Choosing a loan based on the rate… instead of the strategy.

A lower rate can actually cost you more long term if the loan structure doesn’t fit your goals, cash flow, or future plans.

Here’s what most buyers aren’t told:
✅• Your monthly payment matters more than chasing the lowest headline rate
✅• The right loan structure can create flexibility and financial breathing room
✅• Small strategy changes can completely change an approval outcome
✅• The best mortgage advisors look at the big picture — not just today’s rate sheet

Because a mortgage isn’t just a transaction.
It’s part of your long-term financial strategy.🏡

And in this market? Strategy matters more than ever.

If you’re buying, refinancing, upsizing, downsizing, or just trying to understand your options… this is exactly why who you work with matters.

Save this post for later 🤍
And DM “STRATEGY” if you want to explore the smartest options for your situation.

Amy Bigler
Certified Mortgage Advisor & Planner
NMLS 270094

Address

Tracy, CA
95376

Website

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