Self-employed and want to buy a home in the Bay Area? Chris Johnson at Affinity Mortgage explains exactly how self-employed buyers qualify in San Jose and Santa Clara County in 2026.
Published on 06/10/2026
If you've been watching mortgage rates lately, you've probably noticed they've been creeping upward. As of June 3, 2026, the national average for a 30-year fixed purchase loan is hovering around 6.37% to 6.59%, depending on the lender and borrower profile — and it's been nudging higher each week.
Published on 06/03/2026
If you’ve ever been in the middle of a home purchase and heard your lender say “do you want to lock your rate today?” — and had no idea what that actually meant or what the right answer was — this post is for you.
Published on 05/29/2026
What to do if rates drop after you locked your rate?
Published on 05/22/2026
This guide breaks down exactly how down payments work in the Bay Area — by loan type, by price range, and by what actually makes sense for your situation in 2026.
Published on 05/20/2026
If you've ever searched "what credit score do I need to buy a house," you've probably come back with a dozen different answers — 580, 620, 700, 740 — and walked away more confused than when you started.
Published on 05/13/2026
A three-bedroom in a good school district routinely lists above $1.5 million.
Published on 05/06/2026
