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Sean Mertens - Assist Home Loans
Purchase
Refinance
Rates
Calculators
Contact
About
Blog
Purchase
Refinance
Rates
Calculators
Contact
About
Blog
get started
Qualifying for a Mortgage: What Matters?
Sean Mertens 5/14/25 Sean Mertens 5/14/25

Qualifying for a Mortgage: What Matters?

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Springtime Listings
Sean Mertens 4/1/25 Sean Mertens 4/1/25

Springtime Listings

Springtime has the most home listings for sale. Be prepared.

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Appraisal vs Inspection
Sean Mertens 3/31/25 Sean Mertens 3/31/25

Appraisal vs Inspection

Appraisal Vs. Inspection

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Discount Points or Rate Buydown
Sean Mertens 3/29/25 Sean Mertens 3/29/25

Discount Points or Rate Buydown

When to pay for a lower interest rate.

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Closing Costs
Sean Mertens 3/28/25 Sean Mertens 3/28/25

Closing Costs

Closing costs are fees when you buy or refinance a home.

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Brokers Vs Banks
Sean Mertens 3/27/25 Sean Mertens 3/27/25

Brokers Vs Banks

Banks Vs Brokers - Which is best?

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Co-Borrowers & Gift Funds
Sean Mertens 3/27/25 Sean Mertens 3/27/25

Co-Borrowers & Gift Funds

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Credit Score Tips
Sean Mertens 3/26/25 Sean Mertens 3/26/25

Credit Score Tips

How to get a lower interest rate with a higher credit score.

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Buy a Home with your 401k & IRA
Sean Mertens 3/25/25 Sean Mertens 3/25/25

Buy a Home with your 401k & IRA

A 401k and IRA can be used to buy a home tax penalty free.

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Buying a Home in Retirement
Sean Mertens 3/24/25 Sean Mertens 3/24/25

Buying a Home in Retirement

Retirement can help you buy a home not hurt your ability to buy.

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Business Owners & Bank Statement Loans
Sean Mertens 3/23/25 Sean Mertens 3/23/25

Business Owners & Bank Statement Loans

Business owners and the self-employed have more options for mortgages.

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Mobile Home Vs Manufactured Home
Sean Mertens 3/22/25 Sean Mertens 3/22/25

Mobile Home Vs Manufactured Home

Financing options for mobile homes and manufactured homes, whether you own the land or not.

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Buy Before You Sell
Sean Mertens 3/21/25 Sean Mertens 3/21/25

Buy Before You Sell

Buying before you sell is possible. Take the stress out of moving homes.

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Beware of Credit Repair Services
Sean Mertens 3/19/25 Sean Mertens 3/19/25

Beware of Credit Repair Services

Credit Repair Companies can do more harm than good. Talk to a mortgage lender first.

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California Homeowners Insurance - Big Win
Sean Mertens 3/17/25 Sean Mertens 3/17/25

California Homeowners Insurance - Big Win

Getting homeowners insurance in California sees positive development. Insurance options will expand as battle between regulators and insurers dies down.

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Tax Filing and Buying a Home
Sean Mertens 3/5/25 Sean Mertens 3/5/25

Tax Filing and Buying a Home

Business owners have lots of mortgage options. Tax season is the perfect time to explore their home purchase options.

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2025 Interest Rate Outlook
Sean Mertens 12/23/24 Sean Mertens 12/23/24

2025 Interest Rate Outlook

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Veterans Day - VA Loans
Sean Mertens 11/11/24 Sean Mertens 11/11/24

Veterans Day - VA Loans

VA Home Loans for Veterans Day

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Fed Cuts Rates Again
Sean Mertens 11/7/24 Sean Mertens 11/7/24

Fed Cuts Rates Again

The Fed made their second rate cut of 2024. Lowering the funds rate by 0.25%

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Presidents and the Federal Reserve
Sean Mertens 11/4/24 Sean Mertens 11/4/24

Presidents and the Federal Reserve

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Sean Mertens NMLS#2047444 - JHS Lending Services, Inc DBA Assist Home Loans is a California BRE licensed Broker #02047008, NMLS# 1678642

805-540-9909 sean@assisthomeloans.com