Chris Granger | Mortgage Broker

Mortgage Broker @ Xpert Home Lending
📍CA, OR, WA, NV, CO, AZ
🪪 NMLS #: 952015 / 76988 Equal Housing
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[Chris Granger | Mortgage Broker @GrangerMortgage]

@BayAreaREMatt True. The one thing SF does right is to put 100% of the transfer tax on the sellers. Gives the buyers some relief on other costs like this.

[Chris Granger | Mortgage Broker @GrangerMortgage]

San Francisco real estate, where the list price is not the sale price.

[Chris Granger | Mortgage Broker @GrangerMortgage]

https://t.co/VUtEIxPrmu

[Chris Granger | Mortgage Broker @GrangerMortgage]

a long time coming…

fingers crossed 🤞🏼

[Chris Granger | Mortgage Broker @GrangerMortgage]

I ran the numbers based on your situation in CA with the assumptions you provided ($1m pp, 20% down, 6% rate), assuming the buyers are married filing jointly with $200k in annual W2 income. Tax savings will be roughly $10k per year.

These numbers dont have the cost for maintenance or opportunity cost on the $200k down. Those are real too.

This is to help give context to tax savings piece for the “what am I missing”. It’s not nothing.

[Chris Granger | Mortgage Broker @GrangerMortgage]

@BayAreaREMatt I literally built an app for this. Guess the price, then see what it actually costs to own it monthly. Try it out on this one👇https://t.co/VUtEIxPrmu

[Chris Granger | Mortgage Broker @GrangerMortgage]

@mortgagetruth They can get 1% cash incidental cash-out on a rate & term refi, get the escrow refund and skip one or two mortgage payments on the new loan. This could get a lot of people the breathing room they need to get their credit and life back on track.

[Chris Granger | Mortgage Broker @GrangerMortgage]

Picking the right lender is crucial.

I just got an approval back:

- submitted the loan at 8 am
- loan was conditionally approved at 9:30 am

No rush requests. Nothing special.

Can you guess the lender?

[Chris Granger | Mortgage Broker @GrangerMortgage]

@mortgagetruth But then you’re stuck with an FHA loan

… right?

[Chris Granger | Mortgage Broker @GrangerMortgage]

Want your own version?

Just DM me.
Let’s build your plan together.

[Chris Granger | Mortgage Broker @GrangerMortgage]

Buying a home?

Here’s the tool I built that makes the entire mortgage process make sense — even if you’ve never done it before. 🧵

[Chris Granger | Mortgage Broker @GrangerMortgage]

Every person who gets the tool also gets a 1–2 hour mortgage crash course with me.

It’s where “I don’t know where to start” turns into “I’ve got this.”

[Chris Granger | Mortgage Broker @GrangerMortgage]

@BayAreaREMatt It’s crazy how a balanced market feels like a buyer’s market.

It’s the first non-sellers market I’ve seen since I started in 2012.

[Chris Granger | Mortgage Broker @GrangerMortgage]

Mortgage/Treasury Rates

Today’s Change: Negative

- 30 YR: 6.860% (mortgage)
- 10 YR: 4.303% (treasury)
- Spread: 2.557%

[Chris Granger | Mortgage Broker @GrangerMortgage]

I 100% agree. On the bounce back, starter homes have the quickest rebound and their floor gets raised first, luxury homes though have the higher ceiling.

The Outer Sunset has exploded over the last 12 months.

I think we’ll see the $3m - $10m range homes explode over the next 12 months.