If you're planning to buy a home in California—especially in competitive markets like San Diego—your credit score plays a critical role in the mortgage rate you qualify for. Whether you’re a first-time homebuyer or looking to refinance, understanding how your credit score affects your mortgage can save you thousands over the life of your loan. In this post, [...]
If you're a self-employed professional, freelancer, or someone with a unique financial situation looking to buy a home in North County San Diego, you're not alone—and you're not out of luck. As traditional mortgage guidelines tighten, more local buyers are exploring non-QM mortgage options to help them get into homes that fit their lifestyle and goals. What [...]
As I'm sure you're aware, the April 15 tax deadline is fast approaching. What you might not have considered is how your tax return could impact your future homeownership goals. At Clemans Housing Network, we're dedicated to helping first-time homebuyers and current homeowners across Southern California understand how their finances—including their taxes—can shape their mortgage options. Whether you’re hoping [...]
A lot can change in just a couple of months. I've updated this spring market report to reflect the most recent trends—and to help guide San Diego and North County buyers as they think through this big decision. 🏡 What’s Happening in the San Diego Housing Market? As of April 2025, we’re seeing more inventory across San [...]
When it comes to securing a mortgage, choosing the right lending partner can make all the difference. As an independent mortgage lender, I offer a level of flexibility, personalization, and speed that most banks simply can’t match. Here Are 6 Reasons Why Working With an Independent Lender Could Benefit You: 1. Personalized Service With me, you're more [...]
Are you someone who’s either thinking about, dreaming of, or ready to start the process of buying your very own piece of land? As a family-owned business at Clemans Housing Network LLC, my husband and I bring together our extensive knowledge and personal experience in doing just that. While my brilliant and charming husband brings a wealth of expertise [...]
The Consumer Price Index (CPI) is a measure of the average change over time in the prices paid by urban consumers for a market basket of consumer goods and services. Mortgage rates are influenced by a variety of factors, including inflation expectations. The CPI report can indirectly impact mortgage rates through its effect on inflation expectations and market sentiment. [...]
