Home Ownership

Expectations of 2022’s Housing Market: A Cool Off, Not a Meltdown

I think we can all agree we are ready for some familiarity and to put these unprecedented times behind us. However, while we hate to say it, we must; there was nothing predictable about 2021, including the housing market. Interest rates hit record lows and we saw the strongest yearly growth in single-family home prices ever. Foreclosure rates were at historic lows and home sales hit their highest level in 15 years. Continuously, homeowners were able to sell their homes quickly and usually well above asking price. Potential buyers grew fatigued attempting to secure the winning bid after losing out on numerous homes. In short, 2021 brought one of the most competitive housing markets in recent U.S. history.  Read More

Veterans: You’ve Earned These Exclusive Programs & Savings

November is truly a month of gratitude. Not only do the holidays start inching nearer with Thanksgiving at the forefront, but we also celebrate our nation’s heroes on Veterans Day. Cambria Mortgage recognizes it is a great honor and privilege to serve those who have served our country. Though it will never suffice in return for what we’ve received from our Veterans, we are proud to specialize in VA loans and offer exclusive savings to Veterans at closing. Are you a Veteran? Read on to learn more about the benefits you’re entitled to, and of course… Thank you for your service! Read More

New House, New Host: A Fool-Proof Guide for First-Time Entertainers

It’s becoming apparent in every store display, TV commercial and radio ad that the holidays are fast approaching. Whether you’ve just purchased your first house or it’s simply time to stop going to your Aunt Pam’s every year, the first big gathering is right around the corner… Thanksgiving. Now is your chance to take the reins and host at your place. As exciting as it is, this of course can be overwhelming so we’ve put together a fool-proof guide to ensure it all goes smoothly. Read More

Low Rates: Opportunity is Still There, For Now

Over the past year, we’ve been spoiled with mortgage interest rates at rock bottom levels we’ve never seen before. Recently though, toward the end of September, rates increased. Don’t panic… You haven’t missed your opportunity to save with a low rate… Yet. While the days of waiting for a lower rate are behind us, today’s mortgage interest rates are still historically low and very much worth taking advantage of. Read More

Non-traditional employment? You may need a non-traditional mortgage solution.

For many people, being their own boss and owning their own business has been the ultimate employment goal. In light of COVID, many of these people are choosing now to take the leap and make their dreams a reality. According to government data from the second quarter of 2021, more Americans than ever are leaving their jobs to chase their dreams of entrepreneurship. While that all sounds exciting, it can put a crimp in your homeownership plans if you are not prepared. Read more for how Cambria Mortgage can help find the right program for your employment situation. Read More

Comforting Recipes for When the Temperatures Fall

We all know it is coming. The leaves are starting to change. The temperatures are dropping at night. The boxelder bugs are out in force. Winter is coming. With the cooler nights and the transition into autumn, it is time to dust off the casserole dish and bring out the apple peeler; comfort foods are on the horizon. Here is a list of some of our team’s favorite fall recipes. Read More