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Some Highlights

  • Sometimes it helps to see the dollars and cents you’ll save when you purchase a home while mortgage rates are low.
  • Today’s low rates mean it’s less expensive to borrow money, so the savings over the life of your loan is significant.
  • Reach out to a real estate professional to determine the best way to position your family for a financially-savvy move in today’s market.
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Over the past several weeks, Freddie Mac has reported the average 30-year fixed mortgage rate dropping to record lows, all the way down to 3.03%. Last week’s reported rate reached the lowest point in the history of the survey, which dates back to 1971 (See graph below):

What does this mean for buyers?

This is huge for homebuyers. Those currently taking advantage of the increasing affordability that comes with historically low interest rates are winning big. According to Sam Khater, Chief Economist at Freddie Mac:


“The summer is heating up as record low mortgage rates continue to spur homebuyer demand.”


In addition, move.com notes:


“Summer home buying season is off to a roaring start. As buyers flooded into the market, realtor.com® monthly traffic hit an all-time high of 86 million unique users in June 2020, breaking May’s record of 85 million unique users. Realtor.com® daily traffic also hit its highest level ever of 7 million unique users...

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My mother recently moved to a retirement home, and we were ready to sell the house. I interviewed several realtors, but realized early on that JoJo was going to be the best.  She came to the initial meeting prepared, was able to anticipate what was going to occur and mitigated any difficulties.  The house was listed and sold in 10 days and we got more than was expected!  I would highly recommend that you contact JoJo because she knows and lives in this area, and is very helpful.  I can’t thank you enough for being our caring, professional realtor.  Call JoJo, she’ll sell your house – trust me!  Kent & Angie K., Laguna Niguel, CA.


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We can’t thank you enough for your professionalism, expertise, and hard work in helping us find our home in Laguna Niguel.  After we decided to wait for the right opportunity to purchase in the Lake Park neighborhood, the mailings you sent us, along with your website, were extremely helpful as we went through our initial decision process.  When the right home came on the market, you called us immediately & we were the first ones to see it.  Your years of experience, knowledge of the neighborhood, home construction, and attention to our needs was so valuable and helped guide us in making the right decisions.  We have already recommended you to both friends and relatives! . . . Hector & Angelie Cervantes


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Private patio home, no one behind you! Located in the quaint community of Lake Park, this home is situated on a cul-de-sac street. Open the front gate to your private front patio area. Spacious kitchen w/garden window, recessed ceiling, breakfast bar. Formal dining room & living room w/fireplace, wood fireplace surround, gas logs. Spacious master suite w/slider to the sunroom, bath w/dual vanities, walk-in shower & lots of closet space. Secondary bedrooms & bath are privately located at the other end of the house. The 3rd bedroom also has a small loft, great for storage or kids play area. This plan also features an office/den (or 4th BR), family room off kitchen, inside laundry, open floor plan, vaulted ceilings & vintage decor. The special feature of this home is the permitted addition of a 16’x16’ (256 sqft.) sunroom on the back of the house, which includes Fujitu wall heater/AC unit, dual glazed vinyl windows/doors, conservatory style raised roof. The sunroom...

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3BR/2.5BA + Loft, 2071 SqFt. – Beautiful, turnkey townhome in the Branches – one of the largest floor plans in the tract. Enjoy morning coffee or sunsets on your front porch or master bedroom balcony. The entry opens into the living room with fireplace, dining room, spacious gourmet kitchen with granite counter tops, stainless steel appliances, huge island for cooking prep (bar stools included). Lower level also includes a 1/2 bath. The upper level has a special feature of a loft above the master bedroom, which can be used for an office, hobby area, exercise room or storage. More storage available in the adjacent attic. Also on this level are 2 more bedrooms with Jack & Jill bath and laundry room with storage cabinets. This home also features newer carpet, hardwood flooring, plantation shutters, courtyard off the kitchen & direct access to garage. Internet service included. One of OC’s most popular planned communities, enjoy all the amenities Ladera Ranch has to...

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Highest price ever for this model, sold through a private showing before the home ever went on the MLS! Here is what my client had to say:



JoJo was the most professional, supportive and caring Realtor I have worked with in many years. She communicated with me on a daily basis and kept me updated throughout the entire process from the sale to the closing. I would highly recommend JoJo if you are buying or selling your home. She will be by your side and work for you and will become your friend. She did an exceptional job! I’ve personally recommended her to all my family and friends. Mollie H.

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GORGEOUS, REMODELED 1-STORY HOME. Approx. $130K in upgrades! Located in the quaint community of Lake Park, this home is situated on a corner lot and cul-de-sac street. Enter the foyer through the beautiful, Renaissance dutch door. The remodeled kitchen is large enough for a nook area & includes quartz countertops, maple cabinets, stainless steel appliances, and french doors w/retractable screen. Living room features vaulted ceilings & dual-sided fireplace. Step outside the master bedroom into your private, in-ground spa. Remodeled master bath includes travertine countertops, sinks, faucets & lighting. This floor plan also features a den/office (which could be converts to a 3rd bedroom) and inside laundry. Enjoy your front patio with built-in BBQ, aluminum patio cover, flagstone flooring and additional rear patio for entertaining, low maintenance yard.


Located in the heart of Laguna Niguel, adjacent to Yosemite Park, just blocks to Laguna Niguel Elementary School, 1/2 mile to...

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Impeccably maintained 4BR/3BA, 2769 sqft. ocean view home with main floor in-law suite and $225,000 in upgrades! Located in Arch Beach Heights, this home sits on a spacious double wide lot. Enter the home through the beautiful 85-year old bonsai plants, stacked stone façade and mahogany front door. The first floor is the 1049 sqft. in-law suite with 1BR/1BA, living room w/fireplace, dining area, kitchenette and separate entrance. The 2nd floor boasts dramatic wood planked vaulted ceilings, sunny kitchen with new stainless steel appliances, gas range, dining room, living room w/fireplace, 3BR/2BA, 1720 sqft., ocean views from balcony. Other key features include an inside laundry (washer/dryer included), hard wood & slate floors, tinted vinyl windows, vinyl sliding doors, hand-textured wall finish, Weatherbest decking, wrought iron railings, and large, rear wrap around patio with flagstone flooring, fountain and several areas to entertain all your guests. This home shows...

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The Federal Housing Administration (FHA) cut 50 basis points (0.5%) from the annual mortgage insurance premium for FHA backed loans with terms greater than 15 years. For most FHA loans, this will reduce the annual premium from 1.35% of the loan balance to 0.85% for case numbers assigned on or after January 26, 2015. Click here for the Mortgagee Letter which shows the current and new annual MIP rates by amortization term, base loan amount, and loan-to-value ratio. For the typical FHA applicant, the reduction in premiums means a savings of about $80 on their monthly payment, according to CoreLogic’s chief economist.
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