What Does it Mean When the Fed Raises Rates?

Fed rate increase

Will the Fed Raise Rates?  Yes, and no.   On Wednesday, March 16, the Fed will take an economic action that hasn’t been seen in years when they, as expected, raise the Fed funds rate.  The targeted funds rate has been set at 0-.25% for years, and next week, this is expected to change.  With…

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The Bright Side of Real Estate

home buying isn't as difficult as many people think

The real estate market is getting a lot of negative press at the moment.  From some “experts” calling for a housing crash (the same ones who have been calling for a dip for over 5 years now…maybe eventually they’ll be right after another 10%+ jump in home prices this year!), to headlines about bidding wars,…

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Why Would You Put 20% Down? Avoid PMI with Less!

How to avoid PMI with less than 20% down

Why Would You Put 20% Down?  Avoid PMI with Less!   In today’s world, PMI is considered a bad word in mortgage financing and home buying, and for good reason.  After all, PMI doesn’t protect a borrower, it protects a lender, and in markets like we’ve recently seen, most of which are appreciating at a…

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Should I Pay Points?

Mortgage applicants should understand the impact, cost, and benefit of points on their loan

Should I Pay Points? When getting a mortgage, one of the most important things to pay attention to is the cost of the loan being applied for.  There are certain loan fees customers can shop for that may be drastically different from one lender to another (for example, origination/discount points, and lender fees) and some fees…

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Why Are Credit Scores Different?

Credit Scores

Why Are Credit Scores Different?   If you’ve shopped around for any kind of loan, one of the things you likely noticed is that the credit score a lender pulls seems to be different, sometimes by quite a wide margin, from what you see when tracking your own credit scores.  What gives?  It comes down…

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Housing Affordability – the Market Looks Good!

Housing is more affordable than many think!

Housing Affordability   In today’s world of competitive markets, short inventory, and rising purchase prices, things are tough for home buyers (and believe it or not, sellers too!).  With steeply rising prices and bidding wars becoming the norm, it seems the market is unaffordable, and many people are having their hopes dashed by competition and…

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How to Win a Bidding War in Today’s Competitive Market

It's a competitive market, but fighting for home ownership is worth the battle

Winning a Bidding War in Today’s Tough Buyer’s Market   From a production and lead generation standpoint, the majority of 2021 has been attempting to navigate the housing market to find creative, outside-the-box ways for buyer’s to compete in today’s marketplace.  With demand competition far exceeding available housing supply, it’s not uncommon for homes to…

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The Biden First Time Buyer Tax Credit – A Terrible Idea

Lumber costs are experiencing a supply-induced bubble based on stats from NAHB

The Biden Tax Credit – A Terrible Idea   Note:  This is a non-partisan opinion on a proposal by the current President.  It is intended to be a 100% apolitical take on policy based on market analysis and data.   The President of the United States has proposed a tax credit for first time homebuyers up…

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John Meussner | MLO NMLS 138061

Licensed by The Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. NMLS# 1141
MasonMac Corporate

Mason-McDuffie Mortgage

Office: (949) 247-7530

12647 Alcosta Blvd
Suite 300
San Ramon, CA 94583


Not  a  commitment  to  lend. Rates  and  terms  subject  to  change  without  notice. Licensed by The Department of Financial Protection and Innovation  under  the  California  Residential  Mortgage Act  No. 4130968; AL  #22653; AR  #32700; Colorado regulated by the Division of Real Estate; DE #019623; FL #MLD819; Georgia Residential Mortgage Licensee #20924; ID #MBL-5861; Kansas Licensed Mortgage Company #MC.0025601; KY: #MC701698; MD: #16927; Mississippi Licensed Mortgage Company Licensed by the Mississippi Department of Banking and Consumer Finance; Licensed by the NJ Department of Banking and Insurance; NC: L-152867; NV: #3681; OK: #ML012358; Licensed by the Oregon Division of Financial Regulation #ML-3808; PA: #37008; TN: #112513; Licensed by the Virginia State Corporation Commission #MC-5579, WV: #ML-31523/MB31759. NMLS #1141.