Mortgage Resources
Home buying tips, credit guidance, and refinancing insights from licensed broker Stephanie Pedley — serving Orange County, CA
23 posts
Can I Keep My Low Mortgage Rate and Still Tap My Equity? A Reverse Mortgage Second Option for Homeowners 55+
Homeowners 55+ may be able to access home equity with a second-lien reverse mortgage while keeping an eligible first mortgage in place.
Why a Mortgage Is So Much More Than Just the Rate
A low mortgage rate does not always mean the lowest-cost loan. Learn how APR, points, lender fees, break-even and loan structure affect the real cost.
Can an HOA Special Assessment Affect Your Condo Mortgage Approval? What Orange County Buyers Need to Know
Buying an Orange County condo? Learn how HOA special assessments, major repairs, reserves and insurance can affect condo mortgage financing.
California's AB 2050 Could Increase HOA Costs: What Homeowners Should Know
A California bill would create new reserve funding requirements for HOAs statewide. Here's what the bill would require, who may be most affected, and what homeowners can do now.
Buying a Condo? Why the HOA's Master Insurance Policy Can Affect Your Mortgage Approval
Qualified for a mortgage but buying a condo? Learn how HOA master insurance policies affect lender project review and mortgage approval in California.
Major Mortgage Appraisal Changes Are Coming: What Buyers, Sellers, and Homeowners Should Know
Appraisal reporting for Fannie Mae and Freddie Mac loans is being redesigned. Here is what the change means for buyers, sellers, and homeowners considering a refinance — and what to ask your lender before your next transaction.
Don't Let HOA Special Assessments Surprise You: What Every Buyer Needs to Know
A $26,000 surprise bill hit San Clemente condo owners — and they had no idea it was coming. Here's how to protect yourself before you buy in an HOA community.
Jumbo Loans in San Diego: What Homebuyers Need to Know in 2026
In San Diego County, a home price that looks perfectly ordinary can push a buyer into jumbo territory fast. Here is what changes when the loan goes jumbo — and why upfront review matters.
Why Did I Get a Supplemental Property Tax Bill After Buying a Home in California?
Bought a California home and received a supplemental property tax bill? Learn why it happens, what to do next, and why escrow may not pay it.