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Dr. Martin Luther King Jr.’s legacy of equality, dignity, and opportunity continues to guide our work in real estate. At Homesbyantonio, we honor his vision by helping make homeownership accessible and fair for everyone.
Equal access: We advocate for transparent listings, clear pricing, and unbiased service so every client has the same opportunity to find a home that fits their needs.
Community investment: We support neighborhood revitalization and fair lending practices that strengthen communities and preserve long-term affordability.
Education and empowerment: We provide resources, workshops, and personalized guidance to help first-time buyers, renters, and investors make informed decisions.
Inclusive representation: Our team is committed to respectful, culturally competent service that recognizes and values diverse backgrounds and experiences.
Continuing Dr. King’s mission in real estate means removing barriers, promoting economic opportunity, and building stronger communities—one home at a time. Contact Homesbyantonio to learn how we can help you pursue fair and meaningful homeownership.
📉 Mortgage Rates Are Moving — And Buyers Are Responding
Recent Decline in Mortgage Rates 📉
Mortgage rates for both 30-year and 15-year fixed loans dropped again this past week — and the market is already reacting.
🔹 What’s happening right now:
Purchase applications and refinance activity have both jumped, a clear sign that buyers and homeowners are paying attention.
🔹 Why this matters:
Lower rates improve affordability, confidence, and momentum. Many experts believe this decline could fuel a strong spring sales season.
🔹 Looking ahead:
Most forecasts expect rates to hover in the low 6% range or slowly decline through 2026.
Some projections, including Fannie Mae, even suggest we could dip below 6% by the end of the year.
📍 The market is shifting — and the people who stay informed are the ones who win.
If you’re thinking about buying, selling, or refinancing, now is the time to start the conversation and build a strategy.
Why work with me
What I will provide for you
Clear communication from start to finish — timely responses, straightforward explanations, and proactive updates.
Reliable, high-quality work delivered on schedule and to agreed specifications.
Personalized attention — I tailor solutions to your needs and preferences, not a one-size-fits-all approach.
Professionalism and respect — your time, property, and priorities are treated with care.
Problem-solving and accountability — if anything goes wrong, I take responsibility and make it right.
Transparent pricing and no hidden fees — you’ll always know what to expect.
Follow-up support — I ensure you’re satisfied after the job is complete and available for any questions.
My goal is to earn your trust through exceptional service so you’ll happily recommend me to those you care about., so that at the end of my service you can clearly recommend me to family, neighbors, and friend,
Love to see families enter their new home
It’s always a joy to see families enter their new home, even when it’s just for an open house. They arrive with laughter, bright eyes, and that unmistakable spark of possibility. Children race ahead, fingers trailing along banisters and baseboards, already assigning beds and secret hideouts. Parents move more deliberately, pausing in doorways to imagine morning routines, dinner gatherings, and where the artwork will hang. Couples exchange looks that say “this could be ours,” practicing small decisions—“kitchen this way or that?”
Those moments are full of stories in miniature: a grandmother touching a windowsill and picturing afternoon quilts and tea; a young family mapping out a home office in a sunlit corner; roommates debating which bedroom gets the balcony. Even the smallest details take on meaning—the way light falls through a bay window, the creak of a stair that suddenly feels charming, the pantry that seems to promise Sunday baking.
Open houses are less about transactions and more about imagining futures. They reveal how homes are more than walls and floors: they are stages for birthdays, homework sessions, quiet mornings, and loud holiday dinners. Seeing people already living in a space—if only in their minds—reminds you why houses matter. The smiles, the quiet plans, the shared laughter: all of it is a testament to hope and the simple human desire to belong.
If in 2026 you are ready. lets connect
If in 2026 you’re ready to buy or sell, let’s connect. Here’s how we can start the conversation:
Tell me what you need
Buying: preferred locations, budget, must-haves, timeline.
Selling: property address, asking price range, current condition, timeline.
Choose the best contact method
Call or text: [818] 46646-31
Email: antonio.chavez@kw.com
Quick form: reply with “Contact” and your preferred method and availability.
Share key documents or info (if available)
Pre-approval letter (buyers)
Recent mortgage statement (sellers)
MLS link or listing details
Photos or a brief property summary
Schedule a first step
Buyer: virtual or in-person consultation and a list of suitable homes.
Seller: market analysis and suggested pricing/repair recommendations.
What to expect next
I’ll respond within 24 hours with a tailored plan, next steps, and suggested meeting times.
We’ll agree on clear timelines, communication preferences, and goals.
Ready when you are. Reply with “Ready to connect” and your preferred contact method or drop the details above to get started.
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A Common Objection I’m Hearing Lately… “I need to wait”
It’s an objection many real estate agents are hearing right now—and on the surface, it’s actually a logical way to think.
The real issue isn’t the question itself.
It’s where the information is coming from.
Most consumers today are being conditioned by national headlines, viral social media commentary, and broad market narratives that have little—or nothing—to do with what’s actually happening in their local market.
Real estate is hyper-local.
What you hear on the news doesn’t always reflect what’s happening on your street, in your neighborhood, or with homes like yours.
That’s why working with a local professional matters—someone who understands the data, the trends, and the real opportunities specific to your area, not just the national noise.
If you’re making decisions based on headlines alone, you may be missing what’s really happening right in front of you.
As of today Mortgage rates
📉 Mortgage Rates End 2025 at the Lowest Point of the Year!
Big news as we close out 2025 👇
According to Freddie Mac, the average 30-year fixed mortgage rate dropped to 6.15%—the lowest level we’ve seen all year.
This comes after multiple rate cuts by the Federal Reserve, bringing the federal funds rate down to 3.5%–3.75% by year-end.
✨ What does this mean for YOU?
🏡 Buyers may see lower monthly payments & more buying power
🏠 Sellers may see more motivated, qualified buyers
📈 A strong signal heading into 2026
If you’ve been waiting on the sidelines, this shift could be your opportunity—especially here in La Crescenta, Montrose, Glendale, and surrounding LA communities.
📲 Let’s talk about how this market update affects your plans for 2026.
— Antonio Chavez
📞 818-466-4631
🌐 achavez65.kw.com
The possibilities to own your home are many when there is determination.
Set a clear goal. Decide the type of home, preferred neighborhoods, and timeline. Break the goal into steps: save for a down payment, improve or maintain credit, get pre-approved for a mortgage, and research local market trends.
Explore financing options. Conventional loans, FHA, VA, USDA, and local first-time buyer programs each have different requirements and benefits. Compare interest rates, down payment options, and closing costs. Consider assistance programs, grants, or employer-supported homebuying benefits that can reduce upfront costs.
Create a realistic budget. Account for mortgage payments, property taxes, insurance, maintenance, utilities, and potential homeowners association fees. Build an emergency fund for unexpected repairs or income interruptions.
Use personalized search tools and alerts. Set filters for price range, size, schools, commute time, and must-have features. Get notified when new listings match your criteria so you can act quickly in competitive markets.
Work with experts. A knowledgeable real estate agent can help identify suitable properties, negotiate offers, and navigate inspections and closing. A mortgage broker or lender can clarify loan options and pre-approval. An attorney or title company can ensure a clean transfer of ownership where required.
Be prepared to compromise. Prioritize your must-haves versus nice-to-haves. In some markets, flexibility on features or location can make homeownership feasible sooner.
Consider alternative paths. Rent-to-own agreements, co-buying with family or friends, buying a fixer-upper, or investing in manufactured housing are viable routes for some buyers. Each option carries different risks and responsibilities—evaluate them carefully.
Stay persistent and adaptable. Markets change, and setbacks can occur, but determination paired with planning, expert guidance, and timely action significantly increases your chances of owning a home. Contact us to get personalized alerts and expert support tailored to your goals.
The process to own your home can be a call away. lets connect.
Our Services
Explore the range of services with down payment resources
Down payment assistance can make homeownership attainable sooner. At Homes by Antonio, we connect buyers with services and resources designed to reduce upfront costs and simplify the path to closing. Below is an overview of common down payment assistance options and how we help you access them.
Grants and forgivable loans
What they are: Direct funds that do not need to be repaid (grants) or loans that are forgiven after meeting certain conditions or a period of occupancy.
Who they help: First-time buyers, low- to moderate-income households, and buyers in targeted neighborhoods.
How we help: We screen programs you may qualify for, prepare required documentation, and coordinate with program administrators to speed approval.
Deferred-payment and low-interest second mortgages
What they are: Second loans used for the down payment that may have reduced interest rates or delayed payment start dates.
Who they help: Buyers who need assistance with upfront costs but have enough income for future payments.
How we help: We compare lender offers, explain payment terms, and integrate these options with your primary mortgage strategy.
Employer-assisted housing programs
What they are: Employer-funded grants, loans, or matching contributions toward down payments as an employee benefit.
Who they help: Employees of participating companies.
How we help: We identify employer programs, advise on eligibility, and assist with applications and paperwork.
Government programs (federal, state, and local)
What they are: Programs administered through FHA, USDA, VA, and state or municipal housing finance agencies offering low down payment loans, grants, or tax incentives.
Who they help: Varies by program—veterans, rural buyers, low-income households, and first-time buyers commonly qualify.
How we help: We match eligible buyers to appropriate programs and ensure your mortgage officer is coordinated with program requirements.
Community Development Financial Institutions (CDFIs) and nonprofit lenders
What they are: Mission-driven lenders offering flexible underwriting, lower fees, and specialized down payment assistance.
Who they help: Borrowers underserved by traditional banks or with unique financial situations.
How we help: We maintain relationships with CDFIs and refer clients to lenders likely to offer favorable terms.
Matched savings and Individual Development Accounts (IDAs)
What they are: Programs that match a portion of your savings toward a home purchase over time.
Who they help: Buyers able to save but needing
Why consider downpayment assistance now
Personalized search: We match you with listings that meet program requirements and price limits.
Expert guidance: We help identify local assistance programs and coordinate with lenders and housing agencies.
Instant alerts: Be the first to know when homes that fit your budget and program criteria hit the market.
Start your year with a plan. Contact us to learn which downpayment assistance options you qualify for and take the first step toward homeownership.
At Homesbyantonio.com, we constantly refine our tools, knowledge, and approach to make your home search faster, smarter, and more enjoyable. From sharper property alerts to smarter filters and candid, helpful insights, we blend data-driven updates with a touch of personality to keep the process efficient and human.
What that means for you:
Faster, more relevant listings delivered instantly.
Better-tailored search results that learn from your preferences.
Clear, practical guidance from agents who stay current on market trends.
A friendly, straightforward voice that keeps things simple (and occasionally witty).
Always improving. Always on your side.
I am here for you