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Chris Johnson - Your California Loan Pro - NMLS #235072

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Chris Johnson - Your California Loan Pro - NMLS #235072

At Affinity, our goal is to turn your dreams into reality! We specialize in FHA, VA, USDA, Jumbo, Conventional, Commercial, Reverse, Non-QM, and Bridge Loans.

With over 30 years of experience in real estate sales and mortgage loans, we can meet every real estate or financial need you may have and answer all of your questions in the process. Based in California, Chris Johnson & Affinity Mortgage are trusted mortgage brokers offering a wide range of loan solutions to help you achieve homeownership. Whether you're a first-time buyer or a seasoned investor,

we tailor our services to your needs. Serving vibrant communities like San Jose, Campbell, and Los Gatos, our team provides expert guidance and personalized service through every step of the loan process. Trust Affinity Mortgage to help you find the right loan for your goals. Contact us today and let’s make your dream home a reality.

06/06/2026

Mortgage rates moved modestly lower this week as Treasury yields softened, easing some of the recent pressure on borrowing costs. According to Freddie Mac, 𝘁𝗵𝗲 𝗮𝘃𝗲𝗿𝗮𝗴𝗲 𝟯𝟬-𝘆𝗲𝗮𝗿 𝗳𝗶𝘅𝗲𝗱-𝗿𝗮𝘁𝗲 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗱𝗲𝗰𝗹𝗶𝗻𝗲𝗱 𝟱 𝗯𝗮𝘀𝗶𝘀 𝗽𝗼𝗶𝗻𝘁𝘀. While mortgage rates don’t move in lockstep with the markets, bond market activity often plays an important role in shaping the direction of home financing costs. This week’s movement is a reminder that even small shifts in financial markets can influence mortgage trends. Wondering how today’s mortgage market could impact your homebuying or refinance plans? Let’s explore your options and what today’s rate environment could mean for you.

06/06/2026

𝗪𝗲 𝗴𝗼𝘁 𝗮 𝗴𝗿𝗲𝗮𝘁 𝗱𝗲𝗮𝗹 𝗼𝗻 𝗼𝘂𝗿 𝗛𝗼𝗺𝗲 𝗣𝘂𝗿𝗰𝗵𝗮𝘀𝗲! 𝗗𝗼 𝗜 𝗵𝗮𝘃𝗲 𝘁𝗼 𝘁𝗲𝗹𝗹 𝘁𝗵𝗲 𝗦𝗲𝗹𝗹𝗲𝗿? 🤔

https://bit.ly/4oeIvf9

06/03/2026

Rates are creeping up again — and I keep hearing the same question from Bay Area buyers:

"Should I just wait?"

Here's my honest take 👇

Yes, the 30-year fixed is hovering in the 6.37%–6.59% range right now. And yes, inflation tied to the Middle East conflict is pushing things higher in the short term.

But here's what I've watched happen over and over in this market:

Buyers who wait for rates... often end up paying more for the home.

Santa Clara County inventory is still sitting at just over 2 months. Prices haven't budged much. And the moment rates dip, competition heats right back up.

Waiting isn't always the safe play. Sometimes it's the expensive one.

On the blog today I broke down:
✅ What's actually driving rates right now
✅ Why Bay Area buyers face a different math than the rest of the country
✅ The questions you should be asking before you decide to buy — or wait
✅ What a rate buydown is and whether it makes sense for you

If you've been on the fence, this one's worth a read.

🔗 https://bit.ly/4e2QQhh

And if you want to talk through your specific situation — no pressure, just a real conversation — I'm always a call or text away.

📞 (408) 687-6109
🌐 caliloanpro.com

05/30/2026

𝗧𝗵𝗲 𝗾𝘂𝗲𝘀𝘁𝗶𝗼𝗻 𝘄𝗮𝘀 𝗻𝗲𝘃𝗲𝗿 "𝗮𝗿𝗲 𝗽𝗼𝗶𝗻𝘁𝘀 𝗴𝗼𝗼𝗱 𝗼𝗿 𝗯𝗮𝗱"
https://tinyurl.com/yy7b33bs

05/29/2026

One of the most stressful moments in a home purchase is when your lender asks:

"𝗗𝗼 𝘆𝗼𝘂 𝘄𝗮𝗻𝘁 𝘁𝗼 𝗹𝗼𝗰𝗸 𝘆𝗼𝘂𝗿 𝗿𝗮𝘁𝗲 𝘁𝗼𝗱𝗮𝘆?"

Most buyers freeze. They don't know what it means, whether it's the right time, or what happens if they say yes and rates drop tomorrow.

Here's the plain-English version for 2026:

✅ A rate lock = your lender guarantees your interest rate through closing — no matter what
✅ Locks run 30, 45, or 60 days typically
✅ Today's 30-year rate: 6.51% — and with volatility in the market, locking sooner is usually the smarter call
✅ On a $1.4M Bay Area loan, a 0.25% rate move = $215/month difference — that's real money

𝗜 𝘄𝗿𝗼𝘁𝗲 𝗮 𝗳𝘂𝗹𝗹 𝗯𝗿𝗲𝗮𝗸𝗱𝗼𝘄𝗻 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸 𝗰𝗼𝘃𝗲𝗿𝗶𝗻𝗴 𝘄𝗵𝗲𝗻 𝘁𝗼 𝗹𝗼𝗰𝗸, 𝘄𝗵𝗶𝗰𝗵 𝗹𝗼𝗰𝗸 𝗽𝗲𝗿𝗶𝗼𝗱 𝗺𝗮𝗸𝗲𝘀 𝘀𝗲𝗻𝘀𝗲, 𝘄𝗵𝗮𝘁 𝗳𝗹𝗼𝗮𝘁-𝗱𝗼𝘄𝗻 𝗼𝗽𝘁𝗶𝗼𝗻𝘀 𝗮𝗿𝗲, 𝗮𝗻𝗱 𝘁𝗵𝗲 𝗺𝗼𝘀𝘁 𝗰𝗼𝗺𝗺𝗼𝗻 𝗺𝗶𝘀𝘁𝗮𝗸𝗲𝘀 𝗯𝘂𝘆𝗲𝗿𝘀 𝗺𝗮𝗸𝗲.

📖 Read it here: https://tinyurl.com/mwy9r4nu

If you're in contract right now or getting close to making an offer — let's talk through your rate lock options before you're under pressure to decide.

05/28/2026

𝗧𝗵𝗲 𝗕𝗲𝗻𝗲𝗳𝗶𝘁𝘀 𝗼𝗳 𝗼𝘄𝗻𝗶𝗻𝗴 𝗮𝗻 𝗶𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆!
W𝗵𝘆 𝗟𝗮𝗻𝗱𝗹𝗼𝗿𝗱𝘀 𝗚𝗲𝘁 𝗛𝘂𝗴𝗲 𝗧𝗮𝘅 𝗔𝗱𝘃𝗮𝗻𝘁𝗮𝗴𝗲𝘀

https://tinyurl.com/msta4pt3

05/25/2026

💖 Today, we pause to honor the brave men and women who made the ultimate sacrifice in service to our country. Memorial Day is more than a long weekend—it is a time to remember the courage, honor, and selflessness of those who gave everything for the freedoms we enjoy every day. As we gather with family and friends, may we also take a quiet moment to reflect, remember, and express gratitude for the heroes who will never be forgotten.

05/24/2026

💰 Saving for a down payment has long been one of the biggest obstacles for homebuyers. 𝗕𝘂𝘁 𝗻𝗲𝘄 𝗵𝗼𝘂𝘀𝗶𝗻𝗴 𝗱𝗮𝘁𝗮 𝘀𝘂𝗴𝗴𝗲𝘀𝘁𝘀 𝘁𝗵𝗲 𝘂𝗽𝗳𝗿𝗼𝗻𝘁 𝗰𝗼𝘀𝘁 𝗼𝗳 𝗯𝘂𝘆𝗶𝗻𝗴 𝗺𝗮𝘆 𝗯𝗲 𝗲𝗮𝘀𝗶𝗻𝗴, with the typical buyer putting down about 12.8% in early 2026—down from roughly 15% a year ago. While affordability remains a challenge in many markets, this shift may be encouraging news for buyers who thought homeownership was further out of reach than they realized. If you’re wondering what financing a home could look like for you, I’d be happy to help you explore the possibilities.

05/23/2026

🤔 🤯 Challenges have a way of testing our patience, resilience, and determination. But often, the struggles we face shape us into stronger, wiser versions of ourselves. The difficult moments may not feel rewarding in the middle of them, but looking back, they’re often the very moments that make success feel meaningful. Keep going—your greatest triumph may be closer than you think.

05/22/2026

Some stories stay buried in our hearts for years—dreams we postponed, lessons we learned, words we never said. Maya Angelou’s quote is a reminder that there is healing, freedom, and even strength in finally sharing your voice. 𝗬𝗼𝘂𝗿 𝘀𝘁𝗼𝗿𝘆 𝗺𝗮𝘁𝘁𝗲𝗿𝘀, 𝗮𝗻𝗱 𝘀𝗼𝗺𝗲𝘁𝗶𝗺𝗲𝘀 𝘁𝗵𝗲 𝗺𝗼𝘀𝘁 𝗽𝗼𝘄𝗲𝗿𝗳𝘂𝗹 𝘁𝗵𝗶𝗻𝗴 𝘆𝗼𝘂 𝗰𝗮𝗻 𝗱𝗼 𝗶𝘀 𝘀𝘁𝗼𝗽 𝗸𝗲𝗲𝗽𝗶𝗻𝗴 𝗶𝘁 𝗶𝗻𝘀𝗶𝗱𝗲.

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2542 S. Bascom Avenue
Campbell, CA
95008

Opening Hours

Monday	9am - 4pm
Tuesday	9am - 4pm
Wednesday	9am - 4pm
Thursday	9am - 4pm
Friday	9am - 4pm

Website

https://www.caliloanpro.com/

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