Homeowners from Land Park to Lincoln are tapping into their homes and refinancing. In fact, the average household in the Sacramento region made almost as much money in home appreciation than they did going to work during the past year! Find out more from Brandon Haefele, CEO of Catalyst Mortgage, as he talks about the refi craze and the current housing market on FOX40 News.

The decision to buy or rent in the Sacramento region has been turned upside down with fast-rising apartment rents and record-low mortgage rates in recent months. Brandon Haefele, CEO of Catalyst Mortgage, joined FOX40 News to share data and insights about where we could go from here as signs are finally starting to show a cooldown.

To get more information on your options in the Sacramento housing market, call Catalyst Mortgage at 916.287.7777.

Are you getting ready to buy a home or refinance your current mortgage? Our CEO, Brandon Haefele appeared on Fox40 news recently to talk about some of the lesser known terms you might want to know. Take a look at the terms below and watch the video for more in depth information…

Annual Percentage Rate (APR): This number reflects the total annual cost of taking out your mortgage loan. It’s different from your mortgage interest rate and includes some extra fees.

Underwriting: When a loan professional evaluates your application and verifies all your financial details, that’s underwriting. It’s important to ensure that you have the means to manage your new monthly payment.

Escrow: An escrow account is used to hold funds prior to closing, including your earnest money deposit. You might also pay into an escrow account to cover property taxes, homeowners insurance and private mortgage insurance (if you have it).

Closing Disclosure: This is a document that you’ll be given at least three days before your closing date. It should detail all the final costs of your loan, as well as what you’ll be expected to pay on closing day.

Mortgage Note: You’ll sign this document at closing. It outlines the terms of your home loan and includes how much you’re borrowing, whether it’s a fixed-rate or adjustable-rate mortgage and more.

Prepaid Costs: These are estimated expenses for closing that and will be put into your escrow account. They usually cover mortgage interest, property taxes and homeowners insurance expenses that occur between your closing date and the date your first mortgage payment is due.

For more information on starting your mortgage process, call us today at 916.287.7777

The Sacramento housing market is booming, but for one group in particular, now is the perfect time to purchase your dream home.

On KTXL FOX40 News, Brandon Haefele, CEO, Catalyst Mortgage speaks on these opportunities for home buying and how singles are the one category of home buyers surging in the Sacramento region.

Buying a home now could be in the cards for many people seeking to purchase their first homes. Brandon Haefele, CEO of Catalyst Mortgage, spoke on FOX40 News about homes in Sacramento County with affordable monthly payments due to interest rates dropping. Get pre-approval, down payment, and interest rate insights from Catalyst Mortgage and contact us today to get started on the home buying process.

The housing market in the Sacramento Region is the hottest market in the country right now. Brandon Haefele, CEO/President of Catalyst Mortgage, gave insight on FOX40 News on what steps you can make to take advantage of the historically low mortgage rates.

Get educated on whether it’s the right time for YOU to refinance and tap into your equity. Brandon Haefele, CEO/President of Catalyst Mortgage, gives some great tips on how to navigate this process on FOX40 News.

Brandon Haefele, CEO/President of Catalyst Mortgage, appeared on KCRA 3 at the Sacramento Food Bank & Family Services for the Annual Turkey Drive with a $10,000 donation! We are so proud and honored to be a part of this AMAZING cause for the 11th year! With your help, we were able to serve 100,000 holiday meals to families in need. Every dollar mattered and we reached our goal in such unprecedented times. Thank you all so much for your donations!

You can get the home of your dreams even when you’re competing against several offers or a cash offer. Brandon Haefele, CEO/President of Catalyst Mortgage, was a guest on FOX40 News to share his insights on the best strategies to purchase a home in this highly competitive sellers market.

It starts with the foundation of getting pre-approved s that you are ready to make an offer immediately – but there’s more you can do. You can leverage a strategy to make your offer rise to the top. Rates are as low as 2%-3%.

Call Catalyst Mortgage at (916) 287-7777 to get started on the home loan process.

A new government fee took affect September 1, 2020 with the potential to increase the cost of your home loan. Catalyst Mortgage, CEO, Brandon Haefele, shared insight on the fee with News Radio KFBK.

Many homeowners will still save money on refinance, but he suggests getting clear about 3 things. First, compare your current rate to the refinanced rate to determine if it makes sense. Next, know how long you plan to stay in the home. Finally, know your credit score.

Rates are the lowest they’ve been since 1970, but some credit scores may not qualify for rates below 3%. Make sure you do the math and know what the loan will cost you and how much you’ll save. Catalyst believes that the more you know, the better choice you’ll make. If you have questions we can help.

Call Catalyst Mortgage at (916) 287-7777 to get started on the home owner process.