Michelle Christensen

Loan Officer | NMLS: 304552

Recent Articles

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What Today’s Jobs Report Means for Mortgage Rates

Mortgage rates held steady after a mixed jobs report, with unemployment rising and job growth coming in stronger than expected. Learn what this means for homebuyers and what to watch next.

Published on 11/21/2025

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Ready to Buy Now or Wait? Discover Your Best Move!

Buying a home is a big decision. Understanding the current market can help you choose the right time to buy and find solutions to your challenges with confidence.

Published on 11/13/2025

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50-Year Mortgages? Here’s What You Need to Know

The Trump administration says it’s exploring 50-year mortgage options to help with affordability. Learn what this could mean for homebuyers, monthly payments, and long-term costs.

Published on 11/11/2025

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Navigate Homebuying Challenges with Guidance from Our CEO, Max Sandoval

Homebuying can feel overwhelming, but with expert advice from our CEO, you'll gain the tools to tackle challenges and make informed decisions confidently.

Published on 11/09/2025

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Master Your Mortgage Experience with Orange County mortgage lender Star Financial's Expert Solutions

Are you feeling overwhelmed by the mortgage process? Our expert solutions simplify challenges and guide you through every step of your homebuying journey.

Published on 11/09/2025

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Fannie Mae’s Big Update: You May Qualify Even With a Credit Score Below 620

Fannie Mae’s new credit score policy lets lenders use automated approvals even for borrowers below 620. Here’s what that means for homebuyers who thought they couldn’t qualify.

Published on 11/08/2025

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What’s Going On With Mortgage Rates? (Explain-It-to-a-5th-Grader Version)

Mortgage rates dipped, then jumped after the Fed’s cut. A $15B corporate bond sale and stronger economic reports added pressure. Here’s the simple, kid-level way to understand what’s happening and what it means for buyers.

Published on 11/06/2025

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Mastering Your Mortgage Journey: Simplifying Homebuying Challenges Ahead

Buying a home can feel overwhelming. We’re here to break down the challenges and guide you step-by-step, making the journey smoother and more manageable.

Published on 11/04/2025

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“Mortgage Rates Hit Year-Low: A New Opportunity for Homebuyers”

Lower mortgage rates mean more affordable monthly payments and an easier path to homeownership. Now is the time to turn your dreams into reality.

Published on 10/30/2025

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“Mastering the Home Loan Process: Elevate Your Clients’ Buying Experience”

Unlock smoother transactions for your clients by mastering the home loan process. Simplify challenges and enhance their buying experience effortlessly.

Published on 10/30/2025

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Mortgage Rates Jump After the Fed’s Rate Cut — Here’s Why

The Federal Reserve cut rates again, but mortgage rates actually rose. Learn why this happens, what Powell said, and what it means for homebuyers.

Published on 10/29/2025

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“Seize the Savings: How Dropping Mortgage Rates Benefit Your Homebuying Journey!”

Lower mortgage rates mean lower monthly payments, giving you more buying power. Discover how these savings can make your dream home a reality, even amid challenges.

Published on 10/24/2025

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Mortgage Rates Hold Near Yearly Lows as Market Awaits Next Data

The average 30-year fixed mortgage rate is hovering near 3-year lows as bond markets hold steady amid limited economic data. Learn why rates remain low and what could move them next.

Published on 10/22/2025

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Gen Z and the Dream of Homeownership: Adapting to a Challenging Market

A new Realtor.com survey reveals that 1 in 5 Gen Z adults say housing affordability is their top life concern. Learn how young buyers are adapting, saving, and staying determined to achieve homeownership.

Published on 10/15/2025

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Mortgage Rates Tick Up Slightly as Bonds Weaken and MBS Underperform

On October 9, 2025, the average 30-year fixed mortgage rate edged slightly higher to 6.38% after a weaker 30-year Treasury auction and mild MBS underperformance. Rates remain stable within a narrow range as the government shutdown continues.

Published on 10/10/2025

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Empower Your Homeownership Journey with ITIN Loans in Texas

Struggling to buy a home without a Social Security number? ITIN loans offer a path to homeownership, making dreams of owning a home accessible for everyone.

Published on 10/06/2025

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Mortgage Rates Holds Steady After Weak Jobs Report

On October 1, 2025, the average 30-year fixed mortgage rate held at 6.37% after weak private payroll data. Bigger shifts may follow when the delayed government jobs report is released.

Published on 10/01/2025

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3 Reasons Home Affordability Is Improving This Fall

Affordability is finally improving this fall thanks to lower average 30-year fixed mortgage rates, slower home price growth, and rising wages. Learn why now could be the right time to buy.

Published on 09/26/2025

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Mortgage Rates Hit Yearly Lows—Then Jump After the Fed Cut. Here’s What Happened (and Why Applications Just Surged)

After touching yearly lows early in the week, the average 30-year fixed rose following the Fed’s rate cut—thanks to the dot plot and Powell’s comments. Still, mortgage applications just saw their biggest weekly jump since 2021 as homeowners reacted to earlier rate declines. Here’s what it means for buyers and homeowners.

Published on 09/19/2025

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Mortgage Rates Near 11 Month Lows—What’s Next With the Fed?

The average 30-year fixed is holding near the lowest levels since October 2024 after a weak jobs report and cooler inflation. Here’s why—and what to watch at next week’s Fed meeting.

Published on 09/12/2025