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Martin Wilson Realty One Group
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Dave Feldberg
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Kory Jackson
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Shawn McElderry
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shawn.mcelderry@monarchwealth.com
Should You Wait for 2026 Loan Limits to Refinance a Jumbo Mortgage?
I hear this question a lot from California homeowners who bought in the last 12 to 36 months. The story is usually the same. They locked a jumbo loan 30-year fixed in the 7 percent range, they watch the news about rate cuts, and they are hoping that conforming loan...
Why Refinancing Might Actually Work in 2026
Why Refinancing Might Actually Work in 2026 for California Homeowners For many California homeowners, the word “refinance” has felt off the table over the last few years. Rising rates, higher home prices, and headline driven fear caused a lot of people to assume...
Why High-Net-Worth Borrowers Often Avoid Traditional Mortgages
It may sound counterintuitive, but many high-net-worth borrowers struggle to qualify for traditional mortgages. Despite strong assets and financial sophistication, rigid lending guidelines often fail to reflect how wealth is actually built and managed. If you're...
Why Liquidity Matters More Than Income for Luxury Homebuyers in Southern California
For many luxury homebuyers in Southern California, traditional income metrics don’t reflect their true financial strength. High-net-worth individuals often earn income irregularly, reinvest aggressively, or structure finances for tax efficiency —all of which can make...
Common Myths About Non-QM Jumbo Loans (and Why They’re Holding Buyers Back)
If you’re self-employed or don’t fit the traditional mortgage mold, you’ve likely heard conflicting information about buying a home—especially in high-cost or luxury markets in Southern California. Unfortunately, many of these beliefs are outdated and cause qualified...