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Foreclosure Relief California, What Is AB 2424? Assembly Bill 2424 (AB 2424) is a California law that took effect on January 1, 2025, designed to help homeowners facing imminent foreclosure. This bill gives qualifying homeowners a final opportunity to delay the foreclosure process for up to 90 days—but only after they’ve received a Notice of Sale. This is…

Can You Use Cryptocurrency to Help Buy a House? Recently, there’s been talk about using cryptocurrency—like Bitcoin or Ethereum—to help people qualify for a mortgage. That’s big news! But what does it really mean? Will this help more people buy homes, or is it just a lot of hype? At Independent Home Finance Inc., we…

Last week, we broke down what the return of Fannie Mae and Freddie Mac to private ownership might mean for homeowners. Since then, more details have emerged — and the stakes are even higher than many first realized. While the headlines focus on the politics of government control, there’s a deeper story unfolding that could…

The housing market in 2025 is facing a lot of questions — not just about interest rates or home prices, but also about two massive players that most Americans don’t even know they’re relying on: Fannie Mae and Freddie Mac. You don’t need a finance degree to understand why this matters. If you’re thinking about buying…

Tapping Equity Without Giving Up a Low Mortgage Rate As of May 2025, California’s housing market continues to present a mix of opportunity and challenge. High mortgage rates and persistent affordability concerns are reshaping buyer behavior and limiting refinance activity, but strong home equity positions have opened new doors for savvy homeowners—particularly those looking to…

Recent news of the abrupt firing of Freddie Mac’s CEO has sparked speculation across financial media. With memories of the 2008 housing crisis still lingering, some are drawing parallels between that era and this leadership shakeup. The last time a Fannie Mae CEO was fired, it preceded a historic collapse in the housing market—and understandably,…

The financial market has faced significant turbulence in recent months, causing mortgage rates to dip slightly. While rates remain elevated compared to the historic lows of recent years, this decline presents an opportunity for homebuyers and homeowners looking to refinance. Understanding these market movements and acting strategically can help borrowers take advantage of favorable lending…

In today’s uncertain economy, homeowners are feeling the pressure of high inflation and financial strain. Many are searching for ways to alleviate the burden, but what’s often overlooked is that knowledge is power—and taking action now can save you money before opportunities slip away. At Independent Home Finance Inc., we understand how crucial it is…

In a world of rapid technological advancements, few events have caused as much turbulence in the stock market as the emergence of DeepSeek AI. The Chinese start-up has not only disrupted the global tech industry but has also ignited a price war with its American counterparts, forcing investors to rethink their strategies. Yet, while DeepSeek…

As President Donald Trump commenced his second term, his first-day executive orders sparked widespread discussion and speculation about their potential economic effects. Despite some market concerns, particularly regarding tariffs and trade agreements, mortgage rates have remained steady, signaling that these initial policy moves have had minimal impact on the housing and mortgage markets. Executive Orders…