How the 4.5M U.S. Housing Shortage Affects CA Buyers in 2026
The U.S. housing market is facing a persistent crisis: a shortage of approximately 4.5 million homes, according to recent estimates from industry experts like Fannie Mae and the National Association of Realtors. This deficit, stemming from underbuilding since the 2008 financial crisis, combined with rising demand, is pushing home prices higher and making affordability a…
Read More2026 Mortgage Rate Forecast: What Sacramento Buyers Need to Know
As 2026 kicks off, Sacramento homebuyers are keeping a close eye on mortgage rates, which have already shown some promising movement. The average 30-year fixed mortgage rate is hovering around 6.2%, a slight dip from 2025’s higher averages, offering a bit of relief in a market where affordability remains a key concern. But with the…
Read MoreFed Cuts Rates to 3.75%-4%: The Game-Changer for Homebuyers & Refinancers
Big news! The Fed just dropped rates AGAIN. On October 29, 2025, the Federal Reserve announced a 25 basis point cut to the federal funds rate, bringing it to a new target range of 3.75%–4.00%. This is the second rate cut this year, and it’s a clear signal: the Fed is easing up to support…
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Understanding the Federal Reserve’s Interest Rate Cut: What It Means for You
The Federal Reserve made headlines Wednesday by announcing its first interest rate cut in years, a move widely anticipated by economists and market watchers alike. While this decision is aimed at maintaining economic growth and controlling inflation, its ripple effect will be felt across many aspects of Americans’ financial lives. Let’s break down what a…
Read MoreFederal Reserve Holds Interest Rate Steady Amid Inflation Struggles
In a move that has become widely anticipated, the Federal Reserve has maintained its short-term borrowing rate in the range of 5.25%-5.50%. This decision to hold interest rates steady highlights the Fed’s ongoing battle with inflation, which continues to prove a stubborn and complex challenge. The Fed’s Approach: A Steady Hand The Fed’s decision to…
Read MoreThe Tale of a First-Time Homebuyer: A Journey to Success with Golden Bear Mortgage
Every home buying journey is unique, filled with twists, turns, and sometimes unexpected challenges. At Golden Bear Mortgage, we pride ourselves on being the guiding light for homebuyers, ensuring they navigate this intricate process with ease and confidence. Today, we’re thrilled to share the heartwarming story of a first-time buyer whose dreams of homeownership finally…
Read MoreThe Crucial Need for Home Buyer Representation: A Guide to Avoiding Pitfalls
In the labyrinth of the American real estate market, the journey from dream home seeker to proud homeowner can be fraught with complexities, pitfalls, and unexpected challenges. One crucial element often underestimated or overlooked is the need for proper representation. Whether you’re a first-time buyer or a seasoned investor, having a knowledgeable, trustworthy advocate by…
Read MoreNavigating the Path to Homeownership: CalHFA’s Down Payment Assistance Programs
For many aspiring homeowners, the prospect of saving for a down payment can feel like an insurmountable obstacle. Fortunately, organizations like the California Housing Finance Agency (CalHFA) offer valuable assistance programs designed to make homeownership more accessible. CalHFA provides various options for down payment and closing cost assistance, including their MyHome Assistance Program which offers…
Read MoreClosing Costs: A Guide for Home Buyers
Navigating Closing Costs: A Comprehensive Guide for Home Buyers Congratulations, you’ve found the perfect home and are ready to make it yours. But before you can move in and start making memories, there’s an important aspect of the home buying process that you need to understand: closing costs. These expenses, incurred beyond your down payment,…
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