Blog

Do Credit Bureaus Sell Your Information? – Trigger Leads

There are ways you can protect yourself from trigger leads

Do Credit Bureaus Sell Your Information – Trigger Leads   Have you ever had your credit report pulled when applying for a loan, only to be bombarded with calls from creditors trying to sell you services or offering you loans?  This isn’t a coincidence, and is one of the most annoying aspects of applying for…

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Employer Affinity is HERE

Homeownership is a foundation for financial security

Employer Affinity Program is Here NOW   We are very pleased to announce the arrival of our Employer Affinity Benefits mortgage program.  This program allows eligible employers to offer their employees and their families access to special home financing benefits.  This helps employees save money and gain access to benefits, and in turn allows employers…

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2023 Mortgage Forecast & Housing Outlook

2023 Housing Forecast

Our 2023 Mortgage Forecast & Housing Outlook Happy 2023!  We hope this data, forecast, and our opinions are helpful in guiding you or your clients to a successful year in real estate!  We believe it’s a great time to buy a home, and that in 2023 we’ll begin to see many of the challenges 2022…

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Is it a good time to buy a house?

Is it a good time to  buy a house?  Yes!

Is It a Good Time to Buy a House?   This question is one of the most common questions we see from consumers, investors, real estate agents, and many others with interest in the real estate market.  The answer is ‘yes’.  But it also depends on your specific situation, what’s important to you, and where…

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Conventional Loan Limits Announced for 2023

Conventional Loan Limits

The Federal Housing Finance Agency (FHFA) has released the loan limits for 2023.  With this announcement, FHFA has effectively raised the limit on how many dollars can be borrowed using Fannie Mae & Freddie Mac Conventional loan products.  The loan limits increased across the nation, with variances in the increases for “high cost areas”, and…

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What’s Happening in the Housing Market

2022 housing market

As Q3 winds down for 2022, I wanted to provide some insights into where the housing and mortgage markets are, and what’s likely to occur going forward.  If Q2 was to be summed up with one word, it would likely be volatility.  We witnessed 2 aggressive Fed rate hikes, with opposite market reactions each time.  Interest…

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Is The Real Estate Market Going To Crash?

Is the Housing Market going to crash

Is the Real Estate Market Going to Crash?   2022 has been a year of change for the United States real estate market.  Coming off of a covid-infused housing frenzy, 2020 ushered in the cheapest borrowing costs the country has ever seen, with rates on 30 year fixed mortgage dropping into the 2s, and nationwide…

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Will Inflation Go Down?

When will inflation go down?  We have some insight!

Will Inflation Go Down?   There’s tons of economic jargon being tossed around  headlines these days, and one of the hot topics out there is inflation.  To start, it’s important to understand what inflation is.  When the value of a currency diminishes, the result is inflation – basically, you get less for the same or more. …

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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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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

Licensing:

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. www.nmlsconsumeraccess.org

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.