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Back when I first moved to California, I remember my neighbor Raul—an Army vet—pulling me aside over the fence, frustration simmering in his voice. ‘Did you see how high my rate is?’ he grumbled. That was years ago, and if there’s one thing I learned watching local veterans grapple with mortgage payments, it’s that timing
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When my neighbor Sarah mentioned she was waiting to refinance because rates might go lower, I had a flashback: the last time rates dipped; lenders’ phone lines crashed, and folks waited weeks for a callback. As someone who’s been in the California housing game long enough to see patterns repeat, I know acting early is
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Why California Homeowners Shouldn’t Wait to Refinance in 2025When Timing Meets Opportunity: Why California Homeowners Shouldn’t Wait to Refinance in 2025 I remember the nerves I felt sending off my first mortgage application years ago, clutching my paperwork as mortgage rates seemed to leap and dive like surfers at Malibu’s break. If only someone had
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I remember the first time I followed the Jackson Hole Economic Policy Symposium—it was less about fiscal theory and more about the drama: mountain backdrops, cryptic statements, and a sense that everything mattered just a bit more. This year, with the Fed Chair’s words carrying extra weight, I tuned in again, coffee in hand, anticipating
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