Lumina Real Estate & Lending

03/18/2026

Former Model + Paid Solar + Low Taxes + 2 Car Garage.

Yes, it really exists.

📍35741 Starling #2204, Murrieta CA

Built in 2022 with designer upgrades, loft, and dual ensuite bedrooms.

💰$479,000

DM me for details or to schedule a showing.

Need payment info? I can help with that too!

Felicia, The Broker
Lumina Real Estate & Lending
DRE 01471238 | NMLS 334006

03/14/2026

📈 Mortgage rates moved higher this week, reaching the highest levels in about seven months.

The increase happened quickly over a few days as markets reacted to economic news and shifting bond yields.

Mortgage rates don’t always move in a straight line and weeks like this are a good reminder of how quickly the market can change.

For buyers, the focus should still be on finding the right home and a payment structure that fits your long-term plans.

If you'd like to review options or just see where things stand, I’m happy to run numbers for you.

Mortgage rates surged to the highest levels in about seven months after a sharp move in the bond market. Here’s what it means for Temecula Valley buyers and homeowners considering refinancing.

03/13/2026

Two fresh listings are about to drop! 🏡✨ One’s a pool gem in Paseo del Sol, South Temecula and the other is a cute Murrieta condo perfect for first-time buyers. Both are in low tax areas!

Drop me a quick message to get on the early interest list!

Want payment numbers? I can help with that too!

Felicia, The Broker
Your Home + Loan Resource
Lumina Real Estate & Lending
DRE 01471238 | NMLS 334006

03/13/2026

🏡 Refi Just Funded, Carson, CA

Another great refinance strategy for a homeowner.

We moved this client from a 30yr loan at 6.875% to a 15yr fixed at 4.875%.

By restructuring the loan, they will save over $150,000 in interest over the life of the loan and pay their home off much sooner.

Sometimes the biggest financial win isn’t just lowering the rate, it’s dramatically reducing long term interest and building equity faster.

If you're a homeowner wondering whether refinancing could improve your situation, I'm always happy to run the numbers and explore options with you.

Rate example: 4.875% interest rate (APR 5.275%). Subject to borrower qualification. Not all applicants will qualify. Terms subject to change.

NMLS 334006

03/11/2026

🇺🇸 VA Refinance Just Funded

Just closed a VA refinance at 4.99%, helping this homeowner lower their monthly payment by nearly $900!

Even more meaningful, we were able to coordinate the entire process and close while the service member was deployed overseas.

Helping military homeowners navigate financing, wherever they are, is always an honor.

If you're a homeowner and have been wondering whether refinancing could reduce your payment or improve your loan, I'm always happy to run the numbers and explore options with you.

Rate Disclosure: 4.99% interest rate (5.152% APR). Subject to borrower qualification. Not all applicants will qualify. Terms subject to change. NMLS334006

03/07/2026

📊 Mortgage rates saw some movement this week.

Global events, including rising oil prices tied to tensions in the Middle East, pushed rates slightly higher earlier in the week. Later on, a weaker than expected jobs report helped calm the bond market and stabilize things a bit.

The result: rates moved around, but they’re still relatively close to the lower levels we’ve seen recently.

If you’ve been thinking about buying or considering refinancing, this is a good time to re-run numbers and see what today’s market looks like for your situation. Even small shifts can make a difference depending on your loan type and timeline.

Mortgage rates moved higher this week as global events and rising oil prices added pressure to the bond market. Here’s what it means for Temecula Valley buyers, homeowners, and anyone considering refinancing.

03/03/2026

✨ New in South Temecula ✨

This one checks the boxes that matter.

✔ Great Oak School District
✔ First I-15 exit for commuters
✔ Low tax area
✔ Downstairs bedroom
✔ Light and bright floor plan
✔ Spacious backyard with room to grow

Located in one of South Temecula’s most established neighborhoods, this home offers space to gather, room to grow, and flexibility for real life.

If you’ve been thinking about making South Temecula home, this is a strong opportunity at a great price point.

Message me for details or to schedule a private showing 🏡

South Temecula home for sale in the highly sought after Great Oak School District. Light and bright floor plan with downstairs bedroom, cathedral ceilings, spacious backyard, low taxes, and commuter-friendly access near the first I-15 exit. A rare opportunity in one of Temecula’s most established....

02/24/2026

You don’t refinance because of headlines.
You refinance because the numbers make sense.

Let’s talk and see if they do.📞

02/22/2026

Temecula Valley Area Homes Under $400K 👀

Yes - they still exist.

Most properties in this price range are condos, townhomes, or manufactured homes… but there are opportunities and inventory changes quickly.

If you’re curious what’s actually available right now (not outdated listings), I created a simple page with real time properties under $400,000. 🏡

If you’re wondering what monthly payments look like, how much down is needed, or whether you’d qualify, I’m always happy to run numbers and talk through options.

❓Would you consider a condo or manufactured home to get into the Temecula market? Or are you holding out for detached only?

🔎 Click to view current listings here:

Looking for Temecula Valley homes under $400K? View the latest listings, compare prices, and get notified when new affordable properties become available.

02/21/2026

📉 Rates are back near 3 year lows.
Despite some market volatility this week, mortgage rates ended lower and are sitting near the best levels we’ve seen in years.

That doesn’t automatically mean “rush out and buy.”

But it does mean it may be time to re-run numbers, especially if you’ve been considering refinancing or lowering your monthly payment.

For Temecula Valley buyers and homeowners, even small shifts in rates can make a meaningful difference depending on your scenario.
If you’ve been thinking about buying, refinancing, or reviewing your equity options, I’m happy to run a quick comparison and show you what makes sense.

Mortgage rates ended the week near the lowest levels in over three years despite market volatility and tariff-related headlines. See what drove the shift and what it means for Temecula Valley buyers and homeowners.