Adam Cato, Mortgage Broker and Broker Associate

Adam Cato, Mortgage Broker and Broker Associate Mortgage Broker at Anchor Funding, Inc. Broker Associate at Anchor Properties

01/16/2026

That’s why using home equity or a 0% balance transfer can sometimes be a smarter way to eliminate high-interest debt.

It’s not about avoiding debt.
It’s about choosing the right kind

01/13/2026

A 10% cap on credit card interest sounds consumer-friendly, and in some ways, it is.
But when lenders can’t price for risk, they adjust by tightening credit, cutting limits, and reducing access especially for lower-credit borrowers.

Lower rates help… until access disappears.
That’s the part worth really thinking about. What do you think? Good or nah?

01/07/2026

How many of you know about this? Maybe I’m late to the game, but your online search is about to change. I just connected Zillow with my Chat GPT and I found it be a very helpful assistant. In this video I go over how this could change the way you search for homes online and if it could affect real estate agents.

12/30/2025

Last one of the year! Just Funded and Refinanced in Scottsdale, AZ.

This borrower needed a mortgage broker who could help him pull out equity from his home to fund some of his other projects. When looking at the scenario, I knew that going an unconventional, non-QM route was going to be the path of least resistance. Using tax returns to show income was just too burdensome and the rate made very little difference. We got a very happy borrower at the end of the process and said this was one of the easiest processes he experienced.

Got the keys and Funded!!A big congrats to Taylor and Scott on the closing of their new home! It was such a pleasure to ...
12/29/2025

Got the keys and Funded!!

A big congrats to Taylor and Scott on the closing of their new home! It was such a pleasure to help another former Brawley-ite get settled into a new home on the west coast. They got a great deal on the home and on the mortgage! Plus, they were able to get settled in before the holidays.

12/05/2025

JUST CLOSED in Fletcher Hills! 🏡
Huge congratulations to everyone involved in the sale of 2161 Puesta Pl.

This home had tons of potential and needed a bit of work, but the market response was incredible — we received multiple offers, and the right buyer stepped forward. Their vision, commitment, and professionalism made all the difference.

We opened escrow quickly and closed in just 3 weeks, and I couldn’t be more grateful for how smoothly this transaction moved.
A huge thank-you to the everyone involved.

On to the next chapter for both our sellers and the new homeowner. 🏡

11/25/2025

Congrats to one of my friend Ron who just bought in Eureka!

This one shows exactly why having a mortgage broker on your side matters.

I originally locked my client with a trusted lender…
but 48 hours later, I found a rate that was 0.50% lower!
That saved him $120/month on interest alone.

Then I found an option with cheaper mortgage insurance, saving him another $20/month.

💥 Total savings: $140 every single month.

This is why having a broker on your side matters.

11/21/2025

Portable mortgages sound like a fix, taking your 2–3% rate with you when you move. But there are problems with this…

Our financial system isn’t geared for this. Collateral can’t just change on a home owner’s whim.

Also if some homeowners were allowed to carry their ultra-low rates to a new home, they’d have a massive financial advantage over renters and first-time buyers who are stuck with today’s higher rates. More buying power = being able to bid higher.

That kind of imbalance pushes prices up, not down.
It could widen the gap between those who already own and those trying to enter the market.

Portable mortgages seem like a solution to the “lock-in” problem, but in reality, they could make affordability worse for anyone trying to buy today.

11/19/2025

About the 50-year mortgage - it isn’t for everyone. The interest you may is overwhelming. But here’s the truth:
For a lot of buyers, it gets their foot in the door. And getting your foot through the door is all that’s needed to make your next move.

Lower monthly payments make it easier to qualify.
And most homeowners don’t keep their original mortgage anyway — they refinance when rates drop, income increases, or life changes.

Sometimes the smartest move isn’t waiting for the “perfect” loan…
It’s using the loan that gets you into the market today and refinances into something better later.

Be strategic. Get in the door. Build equity. Then make your next move.

11/18/2025

Proud to share another successful closing in San Marcos!

This home was already priced very competitively compared to other listings in the area — but that didn’t stop us from securing even more value for my clients.

Had the opportunity to negotiate slightly under list price AND secured an additional $5,000 in concessions

If you’re thinking about buying or selling and want someone who knows how to create leverage, even in competitive markets then let’s talk.

11/07/2025

The Supreme Court’s decision on Trump tariffs could push the Treasury to issue more bonds, and that can drive mortgage rates up.
Small policy changes ripple into borrowing costs.

10/16/2025

⚠️Powell just hinted that the Fed may end its balance sheet tightening soon.
That means less pressure on long-term rates — and maybe a little breathing room for buyers and homeowners.
It’s a good indication for rates to go down in the near future.

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Address

6336 Greenwich Drive Unit A
San Diego, CA
92122

Opening Hours

Monday 8am - 10pm
Tuesday 8am - 10pm
Wednesday 8am - 10pm
Thursday 8am - 10pm
Friday 8am - 10pm
Saturday 8am - 10pm
Sunday 8am - 10pm

Telephone

+17607914316

Website

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