Hawkins Home Loans, Inc. DRE: 02110728 NMLS: 2043294 CFL: 60dbo-125151

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Hawkins Home Loans, Inc. DRE: 02110728 NMLS: 2043294 CFL: 60dbo-125151 Hawkins Home Loans, Inc. is committed to matching borrowers with their best financing solution and o

Yesterday we talked about why paying rent on time may not help your credit. Here's what's changing.New credit models are...
10/29/2026

Yesterday we talked about why paying rent on time may not help your credit. Here's what's changing.

New credit models are being built to count on-time rent and some utility payments, so renters can get credit for bills they already pay. One of them, from VantageScore, has been approved for use by the Federal Housing Finance Agency. A VantageScore study found that nearly 4 million U.S. renters could become eligible for a mortgage if their on-time rent counted toward their credit history.

It's not a guarantee, and it doesn't happen on its own. Your rent won't necessarily count unless you make sure it does, and not every lender uses the same scoring model. Tomorrow: the steps to get started.

Your rent is probably the biggest bill you pay every month. Here's the frustrating part: you can pay it on time, every t...
10/28/2026

Your rent is probably the biggest bill you pay every month. Here's the frustrating part: you can pay it on time, every time, for years, and it may never show up in your credit history.

That matters if you want to buy a home someday. According to Zillow, nearly a third of mortgage applicants, 32.88%, get denied because of insufficient credit history. Not missed payments. Not too much debt. Just not enough history for a lender to say yes. It's the most common reason for a denial.

The good news is that this is starting to change. Tomorrow we'll share what's different and how renters can take advantage of it.

If you take an ARM, you'll have choices when the reset comes. You can keep the loan if the new payment still fits your b...
10/27/2026

If you take an ARM, you'll have choices when the reset comes. You can keep the loan if the new payment still fits your budget. You can refinance into a fixed-rate loan with a payment that never changes, or into another ARM. You can sell. Or you can talk to your loan servicer about assistance.

Keep in mind that a refinance is a brand-new loan you have to qualify for, even on a home you already own. So watch your credit and debt, and ask your loan officer how things like a job change or a big purchase could affect your readiness.

One more thing. ARMs got a bad name after 2008, when some loans had tiny starting payments that later shot up. Today the Ability-to-Repay Rule requires lenders to check real paperwork, like pay stubs, W-2s and tax returns, and to look at what your payment could be after the reset, not just the starting rate.

Is an ARM right for you? A loan officer can run the numbers and walk you through the what-ifs. Lori Dawn Lackey Hawkins

Think of an ARM like a phone or cable plan with an introductory deal. You start at a lower price, then it adjusts after ...
10/26/2026

Think of an ARM like a phone or cable plan with an introductory deal. You start at a lower price, then it adjusts after a set amount of time.

A popular one is the 5/1 ARM. The "5" means your starting rate is locked for the first five years. The "1" means the rate can change once a year after that. That change is called the reset, and when it happens, your payment could go up or down.

Most ARMs have caps, which limit how much the rate can rise each year and over the life of the loan. But either way, you want to be ready for it.

Before you decide, ask your loan officer to run the numbers and walk you through the different scenarios you could face. That way you go in knowing what to expect. Lori Dawn Lackey Hawkins

When rates climb, buying a home can feel like chasing a moving target. Every jump makes the monthly payment bigger, and ...
10/24/2026

When rates climb, buying a home can feel like chasing a moving target. Every jump makes the monthly payment bigger, and a lot of buyers start looking for another way in.

More of them are looking at the adjustable-rate mortgage, or ARM. With a fixed-rate loan, your rate stays the same for the whole loan. With an ARM, the rate is locked for the first few years, then it can move up or down with the market.

Some people don't like that uncertainty, and that's okay. Others like the lower starting rate. Bankrate found that in September, ARM rates ran more than a full percentage point below fixed-rate loans. Depending on the product, that can mean $150 to $300 less a month on a median-priced home. And according to the Mortgage Bankers Association, roughly 1 in 10 mortgage applicants chose an ARM in October.

For some buyers, that's the difference between "not right now" and "let's do this." Over the next few days, we'll walk through how an ARM works so you can decide with your eyes open. Lori Dawn Lackey Hawkins

Attention realtors —Tomorrow is the day. Last chance to grab your spot.The Credit Comeback Lunch & Learn with Marcus Rom...
10/12/2026

Attention realtors —

Tomorrow is the day. Last chance to grab your spot.

The Credit Comeback Lunch & Learn with Marcus Roman is Tuesday, October 13th at 12PM. Lunch is on us.

RSVP info is on the flyer. See you tomorrow.

Every fall I hear the same thing — "Maybe I'll wait and see what happens in the spring."And every spring, those same peo...
10/08/2026

Every fall I hear the same thing — "Maybe I'll wait and see what happens in the spring."

And every spring, those same people are dealing with more competition, higher prices, and wishing they'd made a move when things were quieter.

Here's where the market stands right now: prices are still holding. Inventory is still tight. The break a lot of buyers were waiting for hasn't shown up.

That's not bad news — it's just real information. And real information helps you make a real decision.

If you've been thinking about buying or figuring out what's actually possible for your budget this fall — I'd love to have that conversation. No pressure, just a straight picture.

What's the biggest thing holding you back right now? Drop it in the comments — I'll answer every one. Lori Dawn Lackey Hawkins

Attention realtors —One week from today. Are you in?Our FREE Lunch & Learn with Marcus Roman is coming up fast — Tuesday...
10/08/2026

Attention realtors —

One week from today. Are you in?

Our FREE Lunch & Learn with Marcus Roman is coming up fast — Tuesday, October 13th, 12PM–1PM. Lunch is provided. Spots are filling up.

If you’ve got clients who aren’t credit-ready, this is the session that could change that conversation. RSVP info is on the flyer. Don’t miss it.

The question I get asked more than any other right now — do you think prices are going to crash?Honest answer: the exper...
10/02/2026

The question I get asked more than any other right now — do you think prices are going to crash?

Honest answer: the experts who study this for a living say no. They're projecting prices to keep rising.

I know that's frustrating if you're waiting on the sidelines. But here's my take: you can't control the market. You CAN control whether you understand your options and make a decision based on real information instead of wishful thinking.

Whether you're a buyer, a seller, or just curious — your situation is unique. Let's talk through what the data means for you specifically. That's what I'm here for. Have a great weekend.

Attention realtors —How many times have you had a buyer ready to go, only to find out their credit score isn’t where it ...
10/02/2026

Attention realtors —

How many times have you had a buyer ready to go, only to find out their credit score isn’t where it needs to be?

That deal doesn’t have to be dead.

We’re hosting a FREE Lunch & Learn on Tuesday, October 13th with Marcus Roman of AI Powered Credit Consultants. He’s going to show you exactly how AI-powered strategies can turn your credit-challenged clients into mortgage-ready buyers — faster than you think.

12:00 PM – 1:00 PM | Lunch is provided | 1550 Harbor Blvd, Ste 205, West Sacramento

RSVP info is on the flyer. Seats are limited — don’t wait.

Address

1550 Harbor Boulevard, Ste 205
West Sacramento, CA
95691

Telephone

+19163716300

Website

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