Franklin Direct Mortgage - Ladera Ranch

Bought or financed when rates were higher? Here’s what happened next. 👇

These are real clients who financed when rates were higher, then came back to refinance when rates dropped. Their homes appraised higher the second time around too.

🏡 San Marcos: 7.625% → 5.625%. $687/mo lower, home value up $38K
🏡 Escondido: 7.125% → 5.990%. $348/mo lower, home value up $75K
🏡 Orange: 7.500% → 6.625%. $538/mo lower, home value up $25K in just 4 months
🏡 Pasadena: 6.875% → 6.500%. $265/mo lower, home value up $250K
🏡 Ladera Ranch: 7.875% → 6.375% over two refinances. Home value up $420K, and they’re now paying down principal

There are dozens more just like these.

Will it happen again? No one can promise where rates go, but they’ve moved in cycles before. Buying the right home on a plan that makes sense today, with an eye on refinancing later, has worked out well for a lot of our clients.

Questions, comments, detailed purchase consultations and everything in between, give us a call! 📞 949-298-7060

Is your HELOC payment a surprise every month? 📈
 
Adjustable HELOCs move with prime. When rates move, so does your payment.
 
A fixed-rate second mortgage swaps that for one payment that stays the same from start to finish. 😴
 
✅ One fixed payment
✅ Your first mortgage stays untouched
✅ Additional cash may be available
 
Want to see your numbers? Call or text me at 949-298-7060 and I’ll run them with you. No credit pull to get started. 📲
 
Justin Walsh | Branch Manager | NMLS #968831
Franklin Direct, powered by Franklin Loan Center NMLS #237653. Licensed by the CA DFPI under the CRMLA. Not a commitment to lend. Subject to credit and property approval. Equal Housing Opportunity. 🏠
 
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Buyers, Sellers and Agents STOP AND READ.

We have seen a significant rate increase over the past 30 days. So what now?

Sellers need to come to terms with contributing towards helping get the rate down. Seller credits are exponentially more impactful than price reductions.

Buyers, look for lenders that offer free refinances. The last 3 times rates were here, they later improved allowing easy refinances to lower rates.

Agents, we are currently offering 1% off the rate for the first 12 months, ideally giving time for the rate market to calm down.

There are a lot of creative ways to structure a home purchase and some lenders are willing to help more than others 🙏

📞 949-633-0353

NMLS #968831

With rates inching back up, here are some facts that should help those on the fence. As always, there is more than meets the surface. If we can be of any help, we are a phone call away.

👉 949-298-7060

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Have a HELOC? Your payment has probably moved every time rates did. There’s a cleaner fix than refinancing your whole mortgage: refi just the second to a fixed rate, take the extra cash you need, and keep the low rate on your first. Up to $1M, up to 90% CLTV. Run your numbers in 60 seconds, no credit pull — link in bio / walshmortgageteam.com/heloc-refi

NMLS # 968831 📞 949-298-7060

Pending balcony repairs have many condo projects on hold from lending. We have a solution and rates are competitive. Many of these condos can have price cuts due to these pending repairs creating buying opportunities in the right scenarios.

If you are an agent and aware of condo projects with pending balcony repairs, please DM us so we can make the community aware there are financing options!

📞 949-298-7060

Pending SB326 repairs will cause almost all loan options to be declined. We have a solution with rates that are still competitive for the buyer. Even better, we can handle full doc, DSCR,, bank statement and many other flexible options.

Call today 949-298-7060

If you are looking for a cheat code as a buyer or buyers agent, here it is 👆

Our clients get their offers accepted at more than 400% industry averages. Why? We are already underwritten and can offer a 10 day close of escrow.

Question? DM us or call/text 📞 949-298-7060

Many Buyers look at the top number and get payment shock but here is a real example just from today.

The buyer qualifies for The Community Advantage Program which requires No PMI and has a significant discount to the rate with only 3% down.

Then there is the tax savings of homeownership which are currently as high as they have been in a long time. Higher rates + State and Local Taxes write off increases.

When all is said and done, there is a much more palatable number for our client.

Make sure you are locating a lender that has access to these programs and provides the full view of homeownership as it can make a huge difference.

NMLS #96881
📞 949-298-7060

Behind every one of these transactions is a buyer who was told “no” somewhere else. 🏡

While certain escrows are straightforward, there are also those that require a level speed and creativity that is impossible to find elsewhere.

Self-employed. Investors. Non-contingent offers up against cash. Bidding wars won on speed. Condos and scenarios most lenders pass on. We found a way — and closed many in under two weeks.

If a home purchase feels complicated, it doesn’t have to be and there are many creative ways to make it all come together.

Call or text me anytime!

📲 949-298-7060 · Justin Walsh, Franklin Direct · NMLS #968831

Equal Housing Opportunity. Not a commitment to lend.