Marissa Knasko - NMLS 1752213 California Loan Associates Inc

Marissa Knasko - NMLS 1752213 California Loan Associates Inc I work with serious California home buyers who want expert guidance and access to multiple lenders for the best rates.

If you're ready to purchase and want a mortgage professional who fights for your interests over a bank's profits, let's talk!

☕✈️ Cockpits & Coffee is back!Join us Friday, September 25th from 11 AM–12 PM for coffee, connection, and casual aviatio...
09/23/2026

☕✈️ Cockpits & Coffee is back!

Join us Friday, September 25th from 11 AM–12 PM for coffee, connection, and casual aviation conversation with Girls Love to Fly.

Whether you’re already flying or simply love aviation, come connect with an amazing community of women who share your passion. 💕✈️

📍 Roseville
☕ Coffee • Connection • Aviation
🔗 Click the link below to RSVP!

https://form.jotform.com/261455236638058

-Marissa

If the right home comes along in 2026, waiting for the perfect rate could mean missing the right opportunity. If the pay...
09/23/2026

If the right home comes along in 2026, waiting for the perfect rate could mean missing the right opportunity. If the payment fits your budget and the overall numbers make sense, buying now can put you in the home you want while giving you the potential to consider future financing options if circumstances change and if rates are lower in the future, refinancing may be worth exploring if the numbers make sense.
-Marissa

Focus on what you can control: the home, the payment, your cash reserves and your long term plans. Rates can change, but your decision should be based on what makes financial sense for you today.

If buying is part of your 2026 plan, do not let rate uncertainty alone keep you on the sidelines. Explore your options, understand the numbers and make the decision that fits your situation.
-Marissa

Your home may be doing more than providing a place to live. For many homeowners, years of appreciation have created subs...
09/21/2026

Your home may be doing more than providing a place to live. For many homeowners, years of appreciation have created substantial equity, while their existing mortgage rate remains attractive. The good news is that accessing that equity does not necessarily mean replacing your first mortgage. Think of your home as a savings account with a front door, except the bank has considerably more paperwork.

Imagine a homeowner with a 3% mortgage who needs $40,000 for a major renovation. Rather than replacing the entire mortgage with a higher rate, they explore a second mortgage. A HELOC offers flexible borrowing, a home equity loan provides a lump sum with predictable payments, and a cash out refinance replaces the existing mortgage. Each option has different costs, risks, and qualification requirements.

Before making a decision, compare the interest rate, APR, closing costs, repayment terms, and potential payment changes. A HELOC may have a variable rate, while a home equity loan may offer fixed payments. In 2026, federal disclosure requirements under Regulation Z remain important when evaluating home equity credit, including information about rates, fees, and repayment terms.
-Marissa

Buyers already shop hard for rate and price. Insurance deserves the same attention, because two nearly identical homes c...
08/27/2026

Buyers already shop hard for rate and price. Insurance deserves the same attention, because two nearly identical homes can carry very different premiums.

What moves the number most:

-Roof age and material
-Wiring, plumbing, and overall home age
-Claims history, even from a previous owner
-Distance from flood or wildfire risk areas

In 2026, national premiums are pushing close to three thousand dollars a year, and costs can vary tenfold by state. Lenders require a full year paid at closing, so this shapes buying power before day one. A quote before an offer often reveals more than the listing price alone. That small step, taken early, tends to open doors a buyer did not know were there.
-Marissa

Buyers already shop hard for rate and price. Insurance deserves the same attention, because two nearly identical homes c...
08/26/2026

Buyers already shop hard for rate and price. Insurance deserves the same attention, because two nearly identical homes can carry very different premiums.

What moves the number most:

Roof age and material
Wiring, plumbing, and overall home age
Claims history, even from a previous owner
Distance from flood or wildfire risk areas
In 2026, national premiums are pushing close to three thousand dollars a year, and costs can vary tenfold by state. Lenders require a full year paid at closing, so this shapes buying power before day one. A quote before an offer often reveals more than the listing price alone. That small step, taken early, tends to open doors a buyer did not know were there.
-Marissa

-If buying is on your 2026 radar, this window deserves attention. Kids are back in school, vacations are ending and buye...
08/22/2026

-If buying is on your 2026 radar, this window deserves attention. Kids are back in school, vacations are ending and buyer competition can thin. More inventory also means more choices, more time to compare homes and potentially more negotiating power. Freddie Mac noted that greater inventory is giving buyers additional options.

Think of it like shopping when the store is quieter. Sellers may have more incentive to negotiate price, repairs or eligible contributions. Builders are also offering incentives in 2026, including rate buydowns, as they compete for buyers.

There is another 2026 consideration. Mortgage rates remain elevated, making affordability important, but waiting solely for rates to fall can mean facing renewed competition later. Fannie Mae also made 2026 updates involving temporary interest rate buydowns and income assessment (https://singlefamily.fanniemae.com/media/document/pdf/homeready-product-matrix?).

The opportunity is not about predicting the perfect market. It is about finding the right home when competition is calmer and negotiating from a position of preparation. For buyers who are financially ready, August through winter could open doors that a crowded spring market keeps firmly shut.
-Marissa

You already know your income is real. It hits your account every week and pays your bills just as reliably as any payche...
08/20/2026

You already know your income is real. It hits your account every week and pays your bills just as reliably as any paycheck. Lenders are catching up to that reality too. Fannie Mae's current guidelines average two years of net income from your tax returns, giving a truer picture of your actual earning power.

Think of a farmer applying for a loan on next year's harvest. A banker does not look at one ripe field and hand over the money. He asks for yield records from the last two seasons, because a pattern tells the truth a single snapshot cannot. Your 1099 income works the same way. Lenders are not doubting your hustle. They just need your bank statements and tax returns to tell the same steady story a paystub tells on its own.

A couple of things matter this year. Heavy write offs can lower your qualifying income along with your tax bill, so a conversation with your loan officer before tax season helps. Bank statement programs are also becoming a common option for freelancers whose deposits tell a stronger story than their deductions do.

None of this is a wall. It is a bridge that just asks for the right materials first. Gig work is not the exception anymore; it is how a growing share of people earn, and the mortgage process is adjusting to meet it. If you assumed your income would not translate, this may be the year it finally does.
-Marissa

AI home search is getting much more sophisticated than typing “three bedrooms with a pool.” For example, ask AI to find ...
08/18/2026

AI home search is getting much more sophisticated than typing “three bedrooms with a pool.” For example, ask AI to find homes that meet these conditions:

Try a prompt like: “Find homes under $750,000 with a payment within my target, under 35 minutes from work, low flood risk, ADU potential, reasonable HOA costs, strong resale potential and no obvious zoning or permit concerns. Rank the five best matches and explain why.”

The really useful part is automation. A buyer or agent can save the search and have qualifying properties delivered automatically by email or text, rather than repeatedly checking listings.

The smartest 2026 homebuyer is not asking AI to select the house. They are using it to search deeper, ask better questions and discover opportunities they might otherwise never see.
-Marissa

Escrow is the protected middle ground between an accepted offer and getting the keys. A neutral escrow or settlement age...
08/13/2026

Escrow is the protected middle ground between an accepted offer and getting the keys. A neutral escrow or settlement agent coordinates funds, documents and required conditions so the transaction can move safely toward closing. In California, escrow companies are regulated to help protect money entrusted to them.

For buyers, preparation makes a difference. Have your documents ready, deposit funds on time, arrange homeowners insurance, respond quickly to requests and carefully review the Closing Disclosure before signing. A competent mortgage professional can help keep the financing side organized and make the process much smoother.

Think of escrow as the final stretch of a relay race. The buyer, seller, lender and escrow team each have a handoff to complete. When everyone does their part, the finish line gets closer and those keys get closer to your hand.

Escrow is more than paperwork. It is the process that turns an accepted offer into homeownership. Being prepared and having the right professionals working together can make closing feel less complicated and much more exciting.
-Marissa

Smart leaders know cash flow equals agility, just as a growing company keeps liquid reserves to capture new opportunitie...
08/11/2026

Smart leaders know cash flow equals agility, just as a growing company keeps liquid reserves to capture new opportunities rather than tying up every dollar in physical assets. With the 2026 baseline conforming limit at $832,750, high-end purchases easily reach jumbo territory, yet the belief that you must put twenty percent down remains a myth. Modern guidelines allow qualified buyers to structure jumbo financing with ten or even five percent down while keeping capital fluid.

Because these non-conforming loans are portfolio-held, low down payment options frequently bypass traditional mortgage insurance while accepting vested retirement accounts as post-closing reserves without requiring liquidation. Financial wisdom focuses on aligning capital strategy with long-term security, turning structured leverage into a powerful tool that protects liquidity while unlocking premier real estate.
-Marissa

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