December—and all the bustle of the Christmas season—is upon us!
What do you look forward to most during the holidays? For us, it’s not only spending time with family and friends, but also taking part in the many festive events happening right here in our community. Some of our favorites include the Dana Point Harbor Boat Parade, the lights and decorations around the Old Wharf, the La Plaza tree lighting, Santa’s Jolly Trolley, the Pines Park tree lighting, local Christmas gift markets, and the many toy drives throughout the area.
One tradition especially close to our hearts is hosting the 5th Marine Regiment children for a “Brunch with Santa” at the Dana Point Yacht Club, complete with Christmas gifts and holiday cheer. It’s always a highlight of the season.
RATES
The outlook for rates continues to improve, with inflation and employment data pointing toward the possibility of another Fed rate cut. Mortgage rates are now hovering near last year’s lows—good news for buyers. We’re not completely out of the woods yet, but any additional drop may finally motivate many would-be movers who have felt “frozen in place” for most of this year.
HOME VALUES
Prices remain steady, particularly in the coastal areas of Southern California. Active listings have been consistent with last month as well—but keep an eye on January. Inventory almost always picks up after the holiday season.
LOAN PROGRAMS
New conforming loan limits for both Fannie Mae and Freddie Mac have been released.
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The standard national limit is now $832,750.
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In high-cost counties (including LA and Orange County), the limit rises to $1,249,125.
These limits apply to one-unit homes, with higher limits available for two- to four-unit properties.
We’re also seeing increased activity in the Non-QM space. These programs fall outside traditional conforming guidelines and often allow alternative documentation—such as bank statements or asset-based qualification—which can be a great option for self-employed borrowers or those with complex financial profiles.
CLIENT HIGHLIGHT
We’re currently working with a homeowner on a limited fixed income who is using a Reverse Mortgage to improve her financial stability in retirement. This loan will eliminate her current mortgage payment—dramatically improving her monthly cash flow—while also giving her access to additional funds for the future.
If you know anyone considering a reverse loan, we’re always happy to answer questions and explain how these programs can provide options and peace of mind. As always, there is no one-size-fits-all solution.
Wishing you a wonderful, joyful, and restorative holiday season.
As we close out 2025, I want to say how deeply grateful we are for the trust, referrals, and relationships we’ve built this year. Every client experience is personal to us, and it’s an honor to help guide families through one of the most meaningful financial decisions in their lives. Thank you for being a valued part of our community
Warmest regards,
Karen
