Stay informed with mortgage news, homebuying tips, market updates, and expert advice from the Secure Choice Lending team.
· 4 min read
Mortgage rates continued their gradual decline this week as the Federal Reserve held rates steady, signaling a more accommodative stance heading into Q2. The 30-year fixed rate dipped to 6.48%, the lowest level since October 2025. Buyer demand is picking up across Southern California markets.
· 5 min read
The Federal Reserve's decision to hold the federal funds rate at 4.25%–4.50% is welcome news for prospective homebuyers. Historically, a pause in rate hikes has led to stabilizing mortgage rates within 60–90 days. We break down what this means for your purchasing power and why now may be a smart time to lock in.
· 6 min read
Active listings in the Inland Empire rose 12% year-over-year in February, offering buyers more options than they've had since 2021. While prices remain elevated, the shift toward a more balanced market is creating room for negotiation. Here's what to watch as the spring buying season heats up.
· 4 min read
This week saw mixed signals in the bond market, with the 10-year Treasury yield moving between 4.20% and 4.35%. Mortgage rates largely tracked sideways, with the 30-year fixed averaging 6.65%. Despite the volatility, purchase applications rose 3% week-over-week — a positive sign for spring demand.
· 7 min read
From FHA loans with 3.5% down to Fannie Mae's HomeReady program allowing gift funds, there are more pathways to homeownership than ever. We round up the top assistance programs available to first-time buyers in California and Texas, including down payment grants and rate buydown options.