Category Archives: De Young Mortgage

The 5% Zone Is Back: Is Now the Time to Refinance?

For the first time since 2022, mortgage rates have dipped back into the 5% range.

If you’ve been waiting for rates to drop below 6% before considering a refinance, this may be the moment you’ve been watching for.

And the right move isn’t guessing what happens next.

It’s running the numbers.

What a Move Into the 5% Range Could Mean for You
Even a small rate change can impact your monthly payment.
For some homeowners, refinancing into a lower rate may create:
• A reduced monthly mortgage payment
• Improved monthly cash flow
• Greater long term savings
• More flexibility in your overall financial plan

For others, it opens the door to restructuring debt in a smarter way.
Every situation is different. That’s why the first step is reviewing your specific loan, not relying on headlines.

Looking to Consolidate Higher Interest Debt?
Many homeowners today are carrying higher interest credit card balances or personal loans.
With rates now back in the 5% range, some may benefit from exploring a refinance that consolidates debt into one simplified monthly payment. In the right scenario, this can reduce overall interest costs and create more stability in your monthly budget.
It is not about rushing into a decision.
It is about understanding your options clearly.

Rates May Move. Opportunity Windows Do Too.
No one can predict exactly where rates will go from here. They may hold steady. They may shift again.
Waiting for a return to 3% may not be realistic. But waiting without reviewing your current opportunity is not a strategy either.
If you purchased or refinanced when rates were higher, now is a smart time to at least explore what is available.

What Happens Next?
When you contact De Young Mortgage, we will:
• Review your current loan details
• Compare today’s available refinance options
• Estimate your potential new payment
• Help you determine if consolidating debt makes sense
• Walk you through closing costs and timelines
No pressure. Just clear information so you can make a confident decision.
The 5% zone is back.
If you’ve been waiting to refinance until rates dipped below 6%, now is the time to reach out.

From Pre-Approval to Moving In: A Homebuyer’s Journey with De Young Mortgage

 

Buying a home is one of the biggest milestones in life and having the right lending team by your side makes all the difference. At De Young Mortgage, we’re pleased to offer personalized, reliable service to every homebuyer, guiding you every step of the way from pre-approval to move-in day.

Recently, one of our happy homeowners – Conny Ridgway – shared their experience working with De Young Mortgage Loan Officer Tim O’Hare – and their words speak volumes about the care and dedication our team brings to each home financing journey.

“Tim O’Hare was awesome to work with. He found the best rate and was a thorough communicator throughout the process. I had tons of questions which he answered timely and satisfactorily. I would write him on his days off or on off hours and he always responded.

We are living a distance away so we would have to e-sign documents and he led me through the whole process. We had countless phone communications and he had the patience of Job!

He had a good sense of humor and was very personable. I cannot say enough good things about Timothy and I would definitely use him again as a loan agent, because I trust him!”

Stories like these are exactly why we do what we do. At De Young Mortgage, our mission is to make the financing process simple, transparent and stress-free. From securing the best possible rate to ensuring every question is answered, our team is here to help you feel confident and supported every step of the way.

Whether you’re a first-time homebuyer, purchasing a new De Young Properties home or refinancing your existing mortgage, our experienced loan officers are ready to help make your dream of homeownership a reality.

Contact De Young Mortgage today to start your journey toward homeownership with a team you can truly trust.

To learn more, talk with a De Young Mortgage Loan Officer or give us a call at: (559) 420-7868 or email info@deyoungmortgage.com to get started.

Timothy O’Hare, CA Bureau of Real Estate, Real Estate Sales License #01337568 NMLS Lic. #349737.

De Young Mortgage, Inc. CA Department of Real Estate, Real Estate Broker License #01926671. NMLS Lic. #293347.

Honoring Our Heroes This Veterans Day: Understanding the Benefits of a VA Home Loan with De Young Mortgage

This Veterans Day, De Young Mortgage, Inc. proudly salutes the brave men and women who have served our country and the families who have supported them along the way. Your courage, dedication and sacrifices protect the freedoms we enjoy each and every day.

As a small way of giving back, we want to help make the dream of homeownership more attainable for our nation’s heroes through one of the most valuable home financing programs available: the VA Home Loan.

What is a VA Home Loan?

A VA Home Loan is a mortgage program backed by the U.S. Department of Veterans Affairs. It was created to help eligible veterans, active-duty service members and certain surviving spouses buy, build or refinance a home. This program offers meaningful financial benefits that make homeownership more affordable and accessible for those who have served.

Key Benefits of a VA Home Loan

  1. No Down Payment Required
    Most VA loans do not require a down payment, allowing qualified buyers to purchase a home without needing to save for years.
  2. Competitive Interest Rates
    Because VA loans are backed by the government, they often come with lower interest rates than conventional loans, helping you save money over time.
  3. No Private Mortgage Insurance (PMI)
    While many traditional loans require PMI when the down payment is less than 20 percent, VA loans remove that added cost, keeping your monthly payments lower.
  4. Flexible Qualification Requirements
    VA loans are designed with service members in mind, offering more lenient credit and income guidelines to help make qualifying easier.
  5. Streamlined Refinancing Options
    If you already own a home, VA refinance programs can help reduce your interest rate or provide access to your home’s equity with less paperwork and stress.

 Our Commitment to You
We are honored to have helped veterans in our community become homeowners and are dedicated to continuing that mission by offering financing options designed to serve even more of our nation’s heroes.

The professionals at De Young Mortgage are well acquainted with the Veterans Home Loan, as well as the FHA, USDA and other conventional loans. With a wide range of down payment assistance programs, owning a De Young home has never been easier. Our team is ready to help you discover the program that works best for you.

Whether you’re looking to purchase a home for the first time or just refinancing, our goal is to provide the same high level of service and integrity that matches the De Young name.

To learn more about a VA Home Loan or any other financing programs through De Young Mortgage, call (559) 439-9494.

 

 

*This is not an offer for extension of credit or the commitment to lend. All loans must satisfy company underwriting guidelines. Information is subject to change at any time and without notice. De Young Mortgage, Inc. CA Department of Real Estate, Real Estate Broker License #01926671. NMLS Lic. #293347.

No Tricks, Just Treats: 2025 Loan Limits Bring Sweet News for Homebuyers!

This Halloween season, there’s no need to be spooked by rising home prices because we’ve got a treat for Central Valley homebuyers! The Federal Housing Finance Agency (FHFA) has announced an increase in the 2025 conforming loan limits, making homeownership more attainable and a lot less scary.

For Fresno County, the new limits are:

  • Conventional Loan Limit: $806,500
  • FHA Loan Limit: $524,225

These new loan limits reflect the growing home values in our area but there’s no reason to be frightened. This update gives buyers more borrowing power while keeping their loans within conforming guidelines. Conforming loan limits determine the maximum amount you can borrow while still qualifying for mortgages backed by Fannie Mae and Freddie Mac. With these higher limits, you can access better rates, easier qualifications and smaller down payments without facing any monster-sized requirements.

For homebuyers in Fresno County, this increase means more opportunities to find your dream home, whether it’s your first home, your forever home or a frightfully fabulous upgrade.

Explore Your Financing Options with De Young Mortgage

At De Young Mortgage, we make the mortgage process a real treat. Our expert team is here to guide you through every step so you can enjoy a boo-tiful homebuying experience without the confusion or stress.

Our goal at De Young Mortgage, Inc. is to make financing your dream home or refinancing your current one as simple and stress-free as possible. Whether you’re purchasing a brand-new De Young Properties home or looking to refinance your existing mortgage, our experienced team will help you find the right loan option to fit your needs.

We offer a wide variety of loan programs, including Conventional, FHA, USDA, VA and Jumbo Loans. We also provide refinancing options that may help you lower your monthly payment, reduce your interest rate or access your home’s equity.

Whether you’re applying for a new home loan or exploring the benefits of refinancing, we’re here to guide you every step of the way. To learn more about De Young Mortgage, call (559) 420-7868 to arrange an appointment with one of our Loan Officers.

De Young Mortgage Named a Best of Central California Award Winner!

We’re honored to announce that De Young Mortgage has been awarded Bronze in the Best Home Mortgage category in the Fresno Bee’s 2025 Best of Central California Awards!

This recognition is a true testament to the trust of our clients and the dedication of our incredible team. At De Young Mortgage, we believe securing a home loan should feel empowering, not overwhelming. That’s why our award-winning team of experienced Loan Officers works one-on-one with every homebuyer to deliver a personalized, streamlined financing experience, backed by expert guidance and genuine care.

We’re proud to serve as a one-stop financing resource for all homebuyers and homeowners, not just those purchasing a De Young Properties home. Whether you’re buying a resale home, refinancing, or simply exploring your options, our team is here to help you find the right solution for your unique needs.

“This award is especially meaningful because it comes from the people we serve,” said Brandon De Young, President of De Young Mortgage. “It reflects the confidence our clients place in us, and we’re incredibly grateful for their continued trust and support.”

To be voted one of the best by our community means everything to us. Your confidence inspires us each day to continue delivering exceptional service and helping families across the Central Valley turn their dreams of homeownership into reality.

Thank you for making De Young Mortgage a trusted part of your journey home.

The Right Financing For You

 Everyone has a general idea of what price range they can afford. However, when you meet with a De Young Mortgage Loan Officer and communicate your financial portfolio, regardless of its size, most people are pleasantly surprised about just how much house they can actually qualify to purchase.

Contact us today to learn more about:

  • Pre-qualifying
  • Purchasing power
  • Competitive rates & fees

Contact us to get started! Finding the perfect home is only part of building the American Dream – financing it is the other. With years of experience, De Young Mortgage remains committed to providing affordable homeownership. For more details, click here.

 

Over 20 Years of Making Homeownership Dreams a Reality!

Today, we celebrate the start of an incredible journey! 

With a vision to revolutionize the mortgage industry, we set out over 20 years ago to help families achieve the American dream of homeownership. From those early days to now, we’ve been committed to delivering outstanding service and expert guidance, making dreams come true for countless customers. Our passion drives us forward, and we can’t wait to help even more people find their perfect homes. Here’s to the exciting road ahead and all the amazing milestones still to come!

Make your home-buying journey a reality! reach out to De Young Mortgage at 559-420-7868 today! 

Good News for Homebuyers! Why Now is a Good Time to Finance with De Young Mortgage

 

Good News for Homebuyers! Why Now is a Good Time to Finance with De Young Mortgage

Are you dreaming of owning your own home but unsure where to start? De Young Mortgage is here to help! We’re excited to announce our FREE Homebuyer Financing Workshop, “The Roadmap to Financing Your New Home,” on Saturday, June 29, 2024. This event is designed to provide you with important information and tools to make your homeownership dreams a reality.

Good news for homebuyers and borrowers! As inflation slows and the economy cools off, mortgage rates have been slowly inching down, and analysts are now predicting a 100% likelihood the Fed will cut rates in September.

As a result, mortgage rates have begun to fall in anticipation. Lower rates could mean reduced monthly payments, making the American Dream of homeownership a more achievable goal! Now may be the right time to explore your mortgage options and lock in a great rate to purchase your dream home or refinance. Meet with a De Young Mortgage Loan Officer to learn more about how to:

  • Pre-qualifying
  • Purchasing power
  • Competitive rates & fees

 

Contact us to get started! Finding the perfect home is only part of building the American Dream. Financing it is the other. With years of experience, De Young Mortgage remains committed to providing affordable homeownership.

 

Let De Young Mortgage Help YOU!

Since 2012, De Young Mortgage has been helping homeowners in the Madera, Clovis and Fresno area finance the American Dream of homeownership. De Young Mortgage takes pride in being a reliable and reputable mortgage company in the Central Valley, offering a full-range of quality financing options. In addition, De Young Mortgage can offer expertise in lending for a resale purchase of an existing home, refinancing of an existing loan, and financing of new home construction or investment property. Our goal is to make the financing process as simple, convenient and pleasant as possible for all of our clients. To achieve this, we have an experienced staff that are ready to help you.

With over 20 years in the mortgage industry in the Clovis and Fresno area, the De Young Mortgage team will continue to provide vision and direction to carry on the De Young family tradition of innovation and exceptional customer service.

Let De Young Mortgage guide you home! Click here to learn more and to schedule an appointment with a De Young Mortgage Loan Officer.

 

*This is not an offer for extension of credit or the commitment to lend. All loans must satisfy company underwriting guidelines. Information is subject to change at any time and without notice. Jerry De Young, CA Bureau of Real Estate, Real Estate Broker License # 00524649 NMLS Lic. # 293347. De Young Mortgage, Inc. NMLS #1026010. De Young Mortgage, Inc. CA Bureau of Real Estate Real Estate Broker License #01926671.

De Young Mortgage Is Hosting A FREE Homebuyer Financing Workshop – Saturday, June 29!

Join De Young Mortgage’s Free Homebuyer Financing Workshop: Your Guide to Financing Your New Home!

Are you dreaming of owning your own home but unsure where to start? De Young Mortgage is here to help! We’re excited to announce our FREE Homebuyer Financing Workshop, “The Roadmap to Financing Your New Home,” on Saturday, June 29, 2024. This event is designed to provide you with important information and tools to make your homeownership dreams a reality.

SEATING IS LIMITED: RSVP HERE and let us help you unlock the door to your new home!

Event Details:

Date: Saturday, June 29, 2024

Time: 10:00 AM – 12:00 PM

Location: De Young Properties Corporate Office, 677 W Palmdon Ave, Suite 208, Fresno, CA 93704

Why Attend?

Free Snacks & Refreshments: Enjoy a delicious morning snacks assortment and refreshments on us!

Prizes: Each attendee will have a chance to win a $15 Gift Card to Axxis Coffee Bar + Eatery at Tesoro Viejo.

Expert Insights: Gain valuable knowledge from our qualified De Young Mortgage Loan Officers.

Personalized Loan Assessment: Receive a free personalized loan assessment and roadmap to homeownership.

Free Pre-Approval Screening: Benefit from a pre-approval screening without impacting your credit score.

 

Event Topics:

Introduction to Home Ownership: Learn the essentials every homebuyer should know. We’ll cover various loan types including Conventional, FHA, VA, USDA, and NON-QM loans.

Choosing the Right Loan: Discover which loan type suits your needs, whether you’re looking at investment properties or a primary residence. We’ll discuss loan limits, down payment requirements, interest rates, and closing costs.

Qualifying for a Loan: Understand the criteria for loan qualification, including credit scores, co-signers, income requirements, and the cash needed for down payments and closing costs.

Q&A Session: Have your specific questions answered by our expert Loan Officers.

RSVP NOW!

Seating for this free event is limited, so we encourage you to RSVP as soon as possible to secure your spot. This is a unique opportunity to gain the knowledge and confidence you need to navigate the home buying process.

Important Information:

Eligibility: Must be 18 years or older to attend.

Disclaimer: Free pre-approval screening is valid for all attendees and will not negatively impact your credit score. The offer for a free personalized loan assessment is valid for one week from the date of the presentation.

Don’t miss out on this invaluable opportunity to take the first step towards owning your dream home. Join us at De Young Mortgage’s Homebuyer Workshop and start your journey with confidence and clarity.

 

*This is not an offer for extension of credit or the commitment to lend. All loans must satisfy company underwriting guidelines. Information is subject to change at any time and without notice. Jerry De Young, CA Bureau of Real Estate, Real Estate Broker License # 00524649 NMLS Lic. # 293347. De Young Mortgage, Inc. NMLS #1026010. De Young Mortgage, Inc. CA Bureau of Real Estate Real Estate Broker License #01926671.

Meet Tim O’Hare: De Young Mortgage Loan Officer

 

Meet our newest Mortgage Loan Officer, Tim O’Hare of De Young Mortgage, affiliate of De Young Properties! Tim has an extensive background within the lending and mortgage lending industry for over 35 years.

“I am very excited to be part of the De Young Mortgage team,” says Tim O’Hare, Mortgage Loan Officer. “I truly feel the spirit here that we are all a part of a team that is ready and willing to help our buyers through a great experience and make their journey to homeownership special.”

Tim grew up in a small-town named Porterville and moved to the big city of Fresno to attend college and has been here ever since. He attended school at Fresno State where he graduated with a Business Administration degree with a Management and Marketing option.

Tim started in the lending industry with a consumer finance company specializing in making small personal loans, auto loans and second mortgage loans. He found a love for lending immediately as he found great satisfaction in being able to help people in a tough spot with a personal loan or assistance in their mortgage needs. Later, Tim moved into mortgage lending only to truly love being able to make the dream of homeownership a reality for homebuyers.

“It has been a pleasure to work alongside Tim within De Young Mortgage,” said Brandon De Young, President of De Young Mortgage. “His expertise, enthusiasm, and fresh perspectives will undoubtedly contribute to the success of our customers!”

When Tim is not in the office helping people achieve their goals of homeownership, he’s enjoying his free time playing golf, watching sports, trying new recipes on his Traeger BBQ, walks in the morning or traveling.

The Right Financing For You

Everyone has a general idea of what price range they can afford. However, when you meet with a De Young Mortgage Loan Officer and communicate your financial portfolio, regardless of its size, most people are pleasantly surprised about just how much house they can actually qualify to purchase.

Contact us today to learn more about:

  • Pre-qualifying
  • Purchasing power
  • Competitive rates & fees

Contact us to get started! Finding the perfect home is only part of building the American Dream. Financing it is the other. With years of experience, De Young Mortgage remains committed to providing affordable homeownership. For more details, visit DeYoungMortgage.com.

Conforming Loan Level Increases to $806,500

Conforming Loan Level Increases to $806,500

Updated – 05/06/25

With an ever-changing real estate market, the Federal Housing Finance Agency has once again increased Fannie Mae and Freddie Mac’s loan limits, by offering conforming loans up to $806,500 for a single-family home in the Central Valley. What does this mean? This new limit means some qualifying borrowers may be able to qualify for conventional pricing with lower interest rates rather than relying on a jumbo mortgage, which typically have more stringent criteria. Bottom line, the increase to the maximum conforming loan amount gives purchasers and refinance borrowers expanded access to mortgage credit at lower rates. In terms of raw dollars, this is the biggest leap in the conforming loan limit history, bumping it by more than $75,000.

Here at De Young Mortgage, we see this as an opportunity to assist more clients with a conventional mortgage at lower interest rate. Let one of our dedicated Loan Officer professionals review your income, savings, liquid assets and debt situation then thoroughly review the various mortgage rates and options available to you.

Ready to get started? Click here to complete the online De Young Mortgage Pre-Qualification form today!

 

This is not an offer for extension of credit or the commitment to lend. All loans must satisfy company underwriting guidelines. Information is subject to change at any time and without notice. Jerry De Young, CA Bureau of Real Estate, Real Estate Broker License # 00524649 NMLS Lic. # 293347. De Young Mortgage, Inc. NMLS #1026010. De Young Mortgage, Inc. CA Bureau of Real Estate Real Estate Broker License #01926671.