Understanding Jumbo Loans in California: 2025 Limits and Key Details
Thursday, January 16
In California, a jumbo loan is a mortgage that exceeds the conforming loan limits set by the Federal Housing Finance Agency (FHFA). These limits vary by county and are based on the median home prices in each area. For 2025, the FHFA has increased the conforming loan limits by 5.2%, reflecting ris...
Hard Money Lending: Our Family’s Story and Its Benefits
Thursday, January 09
At Pacific Direct Mortgage, our journey from real estate agents and house flippers to leaders in hard money lending is the driving force behind our commitment to offering tailored solutions. Our story may resonate with you if you’re looking for alternatives to traditional financing, whether you'...
2025 California Housing Forecast
Friday, January 03
The California housing market is poised for an eventful year in 2025. According to the California Association of Realtors (C.A.R.), home prices are expected to rise as more buyers and sellers re-enter the market, encouraged by lower interest rates and improved housing inventory. 2025 Housing Mark...
Why Is the California Housing Market So Expensive?
Thursday, December 26
Key Factors Driving High Home Prices in California California's housing market is among the most expensive in the U.S., driven by a mix of high demand, limited supply, and strict regulations. Here's why home prices are so high in the Golden State. 1. High Demand for Housing in California Califor...
Why Are California Home Insurance Premiums So High?
Thursday, December 19
California homeowners pay an average of 0.4% of their home’s value annually in insurance premiums, but costs can vary significantly depending on location. Factors like wildfire risk, crime rates, and the age of the home all influence premiums. Let’s dive into what’s driving these costs across th...
California Real Estate Market Forecast 2025: Trends & Predictions
Thursday, December 12
The California housing market forecast for 2025 reveals a mix of growth, stability, and challenges across regions. Here’s a concise breakdown to help buyers, investors, and real estate professionals navigate local trends: Los Angeles Real Estate Market Home values are projected to rise 1.5% by Au...