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Who We Are

Our team has decades of experience leading families through the home buying process.

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Pacific Financial Mortgage

What Is Recession and How You Can Prepare

As summer arrives, we’re still seeing mortgage rates climb and the housing market continues to transition to a more balanced environment between buyers and sellers. According to Freddie Mac’s latest survey of average mortgage rates, the 30-year and 15-year are both up slightly for the week. However, last week was significantly calmer in terms of

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Pacific Financial Mortgage

Volatility Remains in Markets and Rates This Week

Well, after taking a breather for a few weeks, rates surged last week following shifting inflation expectations and the change in Fed policy regarding inflation. According to the latest survey of averages by Freddie Mac, rates for the average 30-year fixed-rate loan are up .55 percent. We’re also continuing to see signs of the tight

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Pacific Financial Mortgage

Important Fed Meeting Happening This Week!

Drama, drama, drama in our update for this week. The markets have been reeling since Friday’s higher than expected consumer inflation report came out. Unless you’ve been living under a rock – which may be a good idea…no inflation under there – you’ve likely seen the headlines splashed all over the media that the CPI

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Pacific Financial Mortgage

Rates Rise Has Slowed but Continue in a Volatile Trend…

Today’s update is a combo of good news and bad news. Which do you like first? I prefer the good news first, so here it goes…mortgage rates have taken a breather from their robust rise and we’ve even seen momentary improvements. Overall though, it’s no surprise that rates are higher than last year at this

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Pacific Financial Mortgage

Short, Busy Week With Jobs Report Coming

Despite headwinds to economic growth, namely inflation, the housing market continues to show strength. Most recently we saw reports come out on home price appreciation. Core Logic reported a 20.6 percent increase in home prices year over year and prices are increasing in all 50 states. We haven’t seen these levels of price appreciation, this

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Pacific Financial Mortgage

Mortgage Rate Volatility Can Offer Opportunities

Well, never a dull moment in the housing and mortgage market! Last week Freddie Mac actually reported a slight decrease in the interest rate trend. Interesting! And according to Chief Economist at Freddie, Sam Khater, we’re likely to continue to see mortgage rate volatility as a result of continued economic uncertainty, purchase demand slowing, and

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Pacific Financial Mortgage

I Actually Have Some Good News…

It’s in times like these, with rates moving consistently higher, it makes publishing this weekly newsletter difficult because I wish I had some fantastically good news to share with you. BUT, I actually do have some good news and some real talk too. First, we saw some slight improvement in rates last week, which has

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Pacific Financial Mortgage

Housing Market Expected to Stay Strong Despite Rising Rates

Well, Cinco de Mayo was no party for the mortgage market as Freddie Mac reported on May 5th that average rates for a 30-year fixed-rate mortgage have reached their highest level since 2009. Regardless, people still need to buy homes, and the housing market is expected to remain strong, although we’re starting to see price

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Pacific Financial Mortgage

Important Fed Meeting & Jobs Report This Week

This week’s Fed Meeting is taking center stage as a driver of the direction of markets and mortgage rates. As a move to combat inflation, the Fed is anticipated to raise the Fed Funds Rate (the lending rate it charges banks) by .50 percent. This will likely ripple through the lending and investment markets. To

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Pacific Financial Mortgage

Why I Think Housing Demand Is Softening a Little

As expected, mortgage rates continued their persistent march higher last week. According to Freddie Mac’s weekly survey, rates have moved higher for seven consecutive weeks. No, none of us likes higher rates but remember there is always a silver lining and in this case, we are starting to see some volatility in housing demand which

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