In the face of market uncertainty, let’s take a moment to focus on the positives this month:
🌼 Spring is in Full
Bloom!
The sun is shining, the flowers are blooming, and Dana Point is bursting
with life. We’ve officially shaken off the winter blues!
🌮 Cinco de Mayo
Celebrations
🎉 Join us Saturday at the Dana Point
Yacht Club for a floating tequila cocktail contest—a spirited
kickoff to May!
💐 Mother’s Day –
Sunday, May 12th
A heartfelt reminder to honor the amazing mothers in our lives—our own,
or those we admire and love in our community.
⚓ Opening Day at DPYC
– Mid-May
Tradition, fun, and a little pomp and circumstance—Opening Day at the
Dana Point Yacht Club is always a standout event.
🎶 Memorial Day
Weekend – May 25–27
In Dana Point, Memorial Sunday brings a rock concert on the water
with a fabulous local band—an unforgettable way to launch the summer!
🏡 Real Estate Market
Update
Interest rates continue their unpredictable climb—but we’re seeing slight
improvement as of this writing. Properties are staying on the market a bit
longer, yet sales remain brisk. Pent-up demand appears to be fueling
continued activity.
💼 Common Issues We
Help Solve
📈 Investor Activity on the Rise
We’re working with a growing number of both first-time investors
and those completing 1031 exchanges. A popular tool? DSCR Loans (Debt Service Coverage Ratio)
– which qualify borrowers based on property income instead of personal income. It’s
much easier to navigate!
💰 HELOCs, HELOANS
& Reverse Seconds
Want to access your home equity without touching your low-rate first
mortgage?
✅ Over 55? Ask us about the Reverse 2nd TD – no monthly
payment required.
✅ We also offer traditional second loans with fixed monthly
payments.
🏠 Down Payment
Assistance (DPA)
Think you need 20% down? Think again.
You might not even need 5%. If you qualify for the loan, we can match
you with a DPA program to help get you into your next home—faster
than you think!
🏢 Condo Buying: What
to Watch For
Condos add a layer of complexity due to HOA requirements. Beyond
insurance issues, you may encounter:
- Insufficient reserves
- Delinquent HOA dues
- Pending litigation
- Special assessments
We provide thorough pre-purchase due diligence so our clients can close with
confidence
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