There has been some encouraging movement over the past couple of weeks as rates have started to ease after pushing toward recent highs, giving buyers a bit more breathing room. Though it’s not a full shift and it may not last, it does create a window.
Underneath that, there is a much bigger story developing. Right now, roughly 1 in 3 young adults aged 18 to 34 are still living at home, and in California that number is closer to 40 percent. This is less about preference and more about affordability, timing, and access to financing. That group represents a significant portion of demand that has not yet entered the market. They are not actively purchasing today, but they are paying attention, preparing, and waiting for a path that works. And when that path opens up, whether through improved rates, better structure, or the right opportunity, they will move.
What this means is the opportunity is not just in finding buyers, it’s in helping them become buyers. We are already seeing this happen through family assisted down payments, gift money, equity being used strategically through HELOCs, and parents stepping in to purchase properties as both housing solutions and long term investments. These are becoming more common ways that deals are getting done, not exceptions.
The Pacific Direct Mortgage Bottom Line is that many of these buyers are closer than they appear, they just do not fit into traditional lending boxes. This is where we come in! We work with brokers, lenders, and families to structure solutions that make these transactions possible, whether that means bridge financing, equity-based options, or helping position a deal that conventional financing cannot support. If you have a scenario like this, we are here to help you turn it into a closed transaction.
Husband & Wife Team Phone: 707‑708‑0797 / Office: 1400 N. Dutton Ave #22 Santa Rosa, CA 95401 Ken: CA DRE Broker #01858042 / NMLS #1221130 Ari: CA DRE #01858152 / NMLS #2170867 Ken & Ari are a husband & wife team with combined 3+ decades in real estate and private money industries. They own Pacific Direct Mortgage & Real Estate, specializing in Private Money loans (also known as Hard Money home loans). Having helped thousands of Borrowers & working directly with Brokers, Agents and Lenders to help when needed with fast, flexible, alternative financing for real estate purchases and refinances throughout California. No issues with DTI ratios, credit issues, property condition, difficult to prove income ‑ we want to help
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