Your Lending Team

Your Lending Team We are Solano county residents, your local lender, and we love helping people achieve their dream of homeownership!

DM for questions!
08/21/2024

DM for questions!

We love what we do, and it shows!
08/16/2024

We love what we do, and it shows!

The highest compliment we can receive is a return client. We work so hard for our clients and they appreciate it! Born i...
07/10/2024

The highest compliment we can receive is a return client. We work so hard for our clients and they appreciate it!

Born into real estate, and 20 years into mortgage lending, I am able to help people see their financial needs from a 30k foot perspective.

Don't play checkers when you can play chess! Want to start a plan? www.stephanieham.com

This is one of the easiest JUMBO loans we have ever had in terms of underwriting. We put together a clean file and UWM d...
06/10/2024

This is one of the easiest JUMBO loans we have ever had in terms of underwriting. We put together a clean file and UWM did the rest!

Happy Friday! This loan is extra special because another lender said it could not be done...
05/24/2024

Happy Friday! This loan is extra special because another lender said it could not be done...

New loan program from UWM! Excited to help our clients meet their purchase goals! ...
05/16/2024

New loan program from UWM! Excited to help our clients meet their purchase goals!

Because sometimes you have to wait on others... That's ok, we still closed early! Happy Homeowners are our SPECIALTY!
05/13/2024

Because sometimes you have to wait on others... That's ok, we still closed early! Happy Homeowners are our SPECIALTY!

We were able to help this client buy her home with Down Payment Assistance. She is now in a safe community with her chil...
05/09/2024

We were able to help this client buy her home with Down Payment Assistance. She is now in a safe community with her child. Looking to make your dreams come true? Even if you are not ready today, we can get you planning and working towards success in the future. www.stephanieham.com

05/01/2024

FED DAY! And as expected, no change in the Fed Funds rate. However, The Fed announced plans for less "runoff", implementing one of their many tools to control the price and flow of money. Unless you love economics, you don't care much about balance sheet runoff normally so here is some background. Currently, the Fed allows up to $60 BILLION in Treasuries, and up to $35 BILLION in mortgage backed securities to be paid back each month. They have not been replacing that paid debt by purchasing new debt. This is called Quantitative Tightening and has been going on since June 2022. For perspective, the Fed's balance sheet was sitting at 9 TRILLION in June of 2022 and has declined to about 7.4 TRILLION as of last week. Their massive balance sheet doubled during COVID when the Fed believed inflation was "transitory". Today, we heard that starting June 1st, they will reduce the Treasury runoff to $25 BILLION. They will continue to let mortgage backed securities run off but will reinvest principal payments above that level into Treasuries. Hey Jerome, it's a start and the mortgage rates responded well! We will take it!! 🏠😜

Address

233-A Dobbins Street
Vacaville, CA
95688

Telephone

+17076886241

Website

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