Mortgage insights, market updates, and real estate guidance from Chris Johnson.
Lenders don't use a simple income multiple — they calculate your debt-to-income ratio. Here's how that math actually works in Santa Clara County, and where jumbo loan territory begins.
September 2, 2026
Need to buy your next Bay Area home before your current one sells? Here's how bridge and private-money financing actually work, what they cost, and when the math makes sense.
August 26, 2026
If a chunk of your income comes from restricted stock units, you may have already heard "that doesn't count" from a lender who didn't know how to document it. Here's what actually goes into qualifying with RSU income — and how to make sure it works in your favor.
August 21, 2026
Family help with your down payment is common in the Bay Area — but the rules differ by loan type, and jumbo loans have their own wrinkle. Here's exactly how gift funds work
August 19, 2026
If you paused your home search in the last two years, you're not alone — and the market you're returning to has shifted. Here's what to do first.
August 12, 2026
ARM volume has hit its highest level since 2023. Here's what's driving it, how today's ARMs differ from pre-2008 products, and how to know if one is right for you.
August 6, 2026
Luxury Bay Area sales are up 22% year-over-year, driven by AI wealth — while entry-level buyers face a different market entirely. Here's how to know which one you're in.
July 29, 2026
"Ready" isn't just a down payment number — it's timing, financing, and knowing what you're looking for. Here's a free 2-minute assessment to find out where you stand.
July 23, 2026
A surprise supplemental tax bill is the most common post-close surprise for Bay Area buyers. Here's exactly why it happens and how it's calculated.
July 15, 2026
Once your offer is accepted, the mortgage process can feel like a black box. Here are the 8 stages every California purchase moves through, explained simply.
July 8, 2026
PMI can add $500-$1,000+ a month on a Bay Area jumbo-adjacent loan. Here are four real strategies to avoid or eliminate it.
July 1, 2026
The honest answer is probably less than you think. Here's how Santa Clara County's three loan tiers change the down payment math entirely.
June 26, 2026
We're at the midpoint of 2026 and the South Bay market is sending mixed signals. Here's what the data actually shows and who it favors right now.
June 24, 2026
Prices surging in one neighborhood while softening in another isn't your imagination — the Bay Area market is splitting in two. Here's what's driving it.
June 17, 2026
Silicon Valley runs on self-employed income, but mortgages were built for W-2 earners. Here are 6 real paths to qualify, from bank statement loans to asset depletion.
June 10, 2026
Rates are creeping upward again — here's what's actually driving it, why Bay Area buyers face a different calculus than the rest of the country, and what to do about it.
June 3, 2026
A single quarter-point rate move on a typical Bay Area jumbo loan can mean $77,000+ over 30 years. Here's how rate locks actually work and when to use one.
May 27, 2026
The down payment question stops more Bay Area buyers than almost anything else. Here's the honest breakdown by loan type, price range, and assistance program.
May 20, 2026
"580? 620? 740?" The answer depends entirely on your loan type — and in the Bay Area, where jumbo is the norm, the bar is higher than most guides suggest.
May 13, 2026
A three-bedroom in a good school district routinely lists above $1.5M. For most Bay Area buyers, jumbo isn't an edge case — it's simply what buying here looks like.
May 6, 2026
Buying your first home in San Jose can feel intimidating in a competitive market. Here's the 8-step plan that makes the process manageable.
April 20, 2026
VA construction loans combine building and permanent financing into one loan, with no down payment required for qualified veterans. Here's how the process works.
March 15, 2026
Navigating the San Jose housing market can be tough, but with the right guidance you can move from "ready" to "set" to "home" with confidence.
January 20, 2026
Ready, Set, Home — a local mortgage professional's walkthrough of what it actually takes to buy your first home in Silicon Valley.
December 10, 2025
From Marin County views to Napa getaways, here's how to approach the search, budget, and financing for a Bay Area second home.
November 15, 2025
Lenders often price in expected Fed moves before the official announcement. Here's what that means for homeowners weighing a refinance.
October 20, 2025
Whether you're keeping the family home, selling it, or starting fresh, here's how to approach homeownership decisions during a divorce in Silicon Valley.
September 8, 2025
San Jose homes move fast and often above asking — here are the 9 mistakes that cost buyers the most time and money in this market.
August 12, 2025
Home buying can feel overwhelming. Here's a clear, step-by-step roadmap to help you stay organized and confident through every stage.
July 18, 2025
A 1031 exchange lets you roll investment property gains into a new purchase instead of paying taxes on them now. Here's how the process actually works.
May 14, 2025
Closing costs can feel like a puzzle. Here's a friendly breakdown of what each fee actually covers, so nothing surprises you at the finish line.
April 8, 2025
A low credit score can feel like a closed door — but FHA, VA, USDA loans, and down payment assistance programs offer real paths forward.
March 10, 2025
Between HTSV grants, CalHFA MyHome, and the City of San Jose's own program, first-time buyers can stack assistance to dramatically cut upfront cash needed.
February 12, 2025
Rising rents got you down? Here's how the math and the stability of homeownership actually compare to renting over time.
January 15, 2025
Broker or bank? Here's a transparent look at the real tradeoffs — access to lenders, personalized service, fees, and what each path means for you.
December 5, 2024
With so many mortgage options available, choosing the right one can feel overwhelming. Here's a breakdown of each type and how to pick the right fit.
November 8, 2024