Chris Lamm Mortgage
Explaining Some Common Mortgage Programs

Explaining Some Common Mortgage Programs
Posted Saturday January 9, 2021 in Mortgage

When you get a mortgage in Redding, CA, there are several options you can choose from, including FHA, VA, and USDA mortgages. The one you select will determine how big a down payment you’ll need, what credit score you should have and all the other requirements you’ll need to meet. But choosing the right mortgage product…
Fannie Mae & Freddie Mac Increase Conforming Loan Limits For 2021

Fannie Mae & Freddie Mac Increase Conforming Loan Limits For 2021
Posted Wednesday December 23, 2020 in Mortgage

The Federal Housing Finance Agency announced a new baseline conforming loan limit for Fannie Mae and Freddie Mac in 2021: $548,250. This is a 7.5% increase from 2020’s limit of $510,400 and marks the fifth consecutive year of increases from the FHFA. In 2016, the FHFA increased the Fannie and Freddie conforming loan limits for…
Thinking About Selling This Winter?

Thinking About Selling This Winter?
Posted Wednesday December 2, 2020 in Mortgage, Real Estate

If you’re thinking about moving, selling your Redding, CA house this winter might be the way to go. Here are four market trends that you should take note of when making your decision. Buyers Are Active It’s clear that buyers are ready, willing, and able to purchase – and they’re in the market right now. In…
November 2020 Mortgage Market Update

November 2020 Mortgage Market Update
Posted Friday October 30, 2020 in Financing, Home Loans in Redding, Housing, Loan Options, Mortgage, Mortgage Rate Updates, Real Estate, Redding Home Loans, Redding Mortgage

https://youtu.be/wQypBQYRhHQ November 2020 Mortgage Market Update 🇺🇸 Will the election have an impact on the housing and mortgage market? One of the biggest questions people are currently asking, “Is the election going to have an impact on the housing and mortgage market?” Part of my job as your mortgage professional is to stay on top…
Is It Time To Refi?

Is It Time To Refi?
Posted Wednesday October 28, 2020 in Mortgage

A new study shows that forty-three percent of 30-year mortgage holders are eligible for a refinance that would lower their mortgage rates. That means their credit rating is at least 720, they have at least 20% equity in their homes, and they can reduce their mortgage rate by at least 0.75% through refinancing, according to…
Why Getting Pre-Approved Is So Important

Why Getting Pre-Approved Is So Important
Posted Tuesday October 13, 2020 in Mortgage, Real Estate

Getting a pre-approval from a mortgage lender in Redding, CA is a great first step in the homebuying process. When looking for a home, the temptation to fall in love with a house that’s outside your budget is very real. So, before you start shopping around, it’s helpful to know your price range, what you’re comfortable…
October 2020 Mortgage Market Update

October 2020 Mortgage Market Update
Posted Thursday October 8, 2020 in Home Loans in Redding, Housing, Mortgage, Mortgage, Mortgage Rate Updates, Redding Home Loans, Redding Mortgage News, USDA Loans in Redding

https://youtu.be/pVU1UUeH_hU October 2020 Mortgage Market Update First Time Home Buyers  If you're a first-time home buyer, what does that really mean to you? Well, it doesn't mean as much as it used to. Many of the loan programs that we offer for anyone who decides to buy a new primary residence can qualify for the…
September 2020 Mortgage Market Update

September 2020 Mortgage Market Update
Posted Monday September 14, 2020 in Home Loans in Redding, Mortgage, Mortgage Rate Updates, Real Estate, Redding Home Loans, Redding Mortgage, Redding Mortgage Company, Redding Mortgage News, Uncategorized, Video Blog

https://youtu.be/xY7UUk0D-h8 September 2020 Mortgage Market Update Is Paying Points Right for You? One of the ways you can lower your interest rate and monthly mortgage payment even more is by paying points, or buying down the interest rate. When deciding whether or not paying points is right for you, it is important to run the…
Steps You Can Take To Prepare For Buying A Home In Redding, CA

Steps You Can Take To Prepare For Buying A Home In Redding, CA
Posted Tuesday September 8, 2020 in Mortgage, Real Estate

With national inventory down almost 30%, the Redding, CA housing market has become more competitive. That’s especially true when it comes to mid-priced, affordable houses. So how do you get ahead in a hot market? The key is preparation. The sooner you start preparing to buy a house, the easier it’ll be to beat the competition.…

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Chris Lamm

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