--- title: Point Equity Blog | Dream Home description: Dream Home | Homes are a big investment. Find out how to make your home loan work for you and your life. Learn what makes a great loan, how to spot opportunity, and how to get the most bang for your residential lending buck. --- [![916-248-4620](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/4355458/ec1ee27c-25ba-4518-bc57-e8edc9cb7c7e.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/4355458/ec1ee27c-25ba-4518-bc57-e8edc9cb7c7e) [![Apply Now](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/4355458/bbb1c79c-b2d0-469c-ac5a-5a51e3eac6df.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/4355458/bbb1c79c-b2d0-469c-ac5a-5a51e3eac6df) [![Point Equity](https://www.pointequity.com/hs-fs/hubfs/Point_Equity_April2018/Images/point_logo3.png?width=120&name=point_logo3.png "Point Equity")](https://www.pointequity.com/) ** [![](https://www.pointequity.com/hubfs/Man%20Thinking%20of%20Home%20(Blue%20House).png) ](https://www.pointequity.com/blog/psychology-of-home-shopping) ### [The Psychology of Falling Out of Escrow](https://www.pointequity.com/blog/psychology-of-home-shopping) April 15, 2025 [Purchase](https://www.pointequity.com/blog/tag/purchase) | 4 MIN READ Or why losing your favorite dessert can be like shopping for your dream home. You head out for dessert at your favorite spot. Most Popular ### [What Does Vesting Mean and Why Is It Important?](https://www.pointequity.com/blog/what-is-vesting) July 23, 2021 [Mortgage](https://www.pointequity.com/blog/tag/mortgage) | 4 MIN READ ### [Great Places to Live in California if You Love Hiking](https://www.pointequity.com/blog/great-places-to-live-in-california-if-you-love-hiking) August 27, 2020 [Lifestyle](https://www.pointequity.com/blog/tag/lifestyle), [california living](https://www.pointequity.com/blog/tag/california-living) | 4 MIN READ ### [3 California Mountain Towns More Affordable Than Truckee & Tahoe](https://www.pointequity.com/blog/3-california-mountain-towns-more-affordable-than-truckee-tahoe) August 26, 2020 [Lifestyle](https://www.pointequity.com/blog/tag/lifestyle) | 7 MIN READ ### [Top 3 Differences Between Conventional & Government Loans](https://www.pointequity.com/blog/top-3-differences-between-conventional-government-loans) August 18, 2022 | 2 MIN READ ### [How do property taxes work in California?](https://www.pointequity.com/blog/how-do-property-taxes-work-in-ca) September 9, 2022 [Money Matters](https://www.pointequity.com/blog/tag/money-matters), [Mortgage](https://www.pointequity.com/blog/tag/mortgage), | 6 MIN READ ![](https://cdn2.hubspot.net/hubfs/2029673/Assets/Search_Image.png) ## [Why Predicting Mortgage Rates IS HARD (And What Ice Cream Can Teach Us About It)](https://www.pointequity.com/blog/speculation-is-hard) March 16, 2025 To understand why prediction is hard, look no further than a short story about ... [Purchase](https://www.pointequity.com/blog/tag/purchase), [Dream Home](https://www.pointequity.com/blog/tag/dream-home), [Mortgage Rates](https://www.pointequity.com/blog/tag/mortgage-rates), [2025](https://www.pointequity.com/blog/tag/2025), [buying](https://www.pointequity.com/blog/tag/buying), [first time home buyer](https://www.pointequity.com/blog/tag/first-time-home-buyer), [mortgage market](https://www.pointequity.com/blog/tag/mortgage-market) | 4 MIN READ ## [Buying in 2025 - Some Things to Know if You Plan to Buy a Home in 2025](https://www.pointequity.com/blog/buying-a-home-in-2025) December 31, 2024 If you’re considering buying a home in 2025, understanding the market landscape ... [Purchase](https://www.pointequity.com/blog/tag/purchase), [Dream Home](https://www.pointequity.com/blog/tag/dream-home), [Mortgage Rates](https://www.pointequity.com/blog/tag/mortgage-rates), [2025](https://www.pointequity.com/blog/tag/2025), [buying](https://www.pointequity.com/blog/tag/buying), [first time home buyer](https://www.pointequity.com/blog/tag/first-time-home-buyer), [mortgage market](https://www.pointequity.com/blog/tag/mortgage-market) | 4 MIN READ ## [Navigating the New NAR Rules—What Does It All Mean?](https://www.pointequity.com/blog/new-nar-policy-brief) August 20, 2024 Okay, the new NAR rules and policies after the NAR settlement have been in ... [Money Matters](https://www.pointequity.com/blog/tag/money-matters), [Mortgage](https://www.pointequity.com/blog/tag/mortgage), [New Construction](https://www.pointequity.com/blog/tag/new-construction), [Incentives](https://www.pointequity.com/blog/tag/incentives), [Dream Home](https://www.pointequity.com/blog/tag/dream-home), [NAR Lawsuit](https://www.pointequity.com/blog/tag/nar-lawsuit), [NAR Policies](https://www.pointequity.com/blog/tag/nar-policies), [NAR](https://www.pointequity.com/blog/tag/nar) | 5 MIN READ ## [Why Haven't High Interest Rates Caused Home Values to Drop](https://www.pointequity.com/blog/why-havent-prices-dropped) March 26, 2024 There's something confusing happening with California’s home values right now. ... [Mortgage](https://www.pointequity.com/blog/tag/mortgage), [New Construction](https://www.pointequity.com/blog/tag/new-construction), [Incentives](https://www.pointequity.com/blog/tag/incentives), [Dream Home](https://www.pointequity.com/blog/tag/dream-home) | 5 MIN READ ## [What's Going on with Insurance?](https://www.pointequity.com/blog/what-is-going-on-with-insurance) March 1, 2024 At first, just the homeowners in California's wildfire zones got hit. But by ... [Mortgage](https://www.pointequity.com/blog/tag/mortgage), [New Construction](https://www.pointequity.com/blog/tag/new-construction), [Incentives](https://www.pointequity.com/blog/tag/incentives), [Dream Home](https://www.pointequity.com/blog/tag/dream-home) | 5 MIN READ ## [Fannie, Freddie and The American Dream](https://www.pointequity.com/blog/fannie-freddie-ginnie) April 19, 2023 Fannie Mae, Freddie Mac, and Ginnie Mae may sound like characters in a ... [Mortgage](https://www.pointequity.com/blog/tag/mortgage), [New Construction](https://www.pointequity.com/blog/tag/new-construction), [Incentives](https://www.pointequity.com/blog/tag/incentives), [Dream Home](https://www.pointequity.com/blog/tag/dream-home) | 7 MIN READ ## [Builder Incentives - Why it's a Great Time to Buy a New Construction](https://www.pointequity.com/blog/builder-incentives) March 25, 2023 If you're looking for a new home, now is the time to consider new construction. [Mortgage](https://www.pointequity.com/blog/tag/mortgage), [New Construction](https://www.pointequity.com/blog/tag/new-construction), [Incentives](https://www.pointequity.com/blog/tag/incentives), [Dream Home](https://www.pointequity.com/blog/tag/dream-home) | 3 MIN READ [All posts](https://www.pointequity.com/blog/all) ## Related Posts ### Subscribe Here! # 60 Second Pre-Approval Quiz [![Get Started](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/4355458/8e444da4-4d9f-4bc3-b5f7-82c96e54682b.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/4355458/8e444da4-4d9f-4bc3-b5f7-82c96e54682b) ### Subscribe to Email Updates [![point_logo](https://www.pointequity.com/hs-fs/hubfs/point_logo.png?width=1849&name=point_logo.png "point_logo")](https://www.pointequity.com) Point Equity Residential Lending 915 Highland Pointe Dr. Suite 160 Roseville, CA 95678   [Local: (916) 248-4620](tel:9162484620) [Toll Free: (888) 551-5110](tel:9995515110) Fax: (916) 914-2306 [info@pointequity.com](mailto:info@pointequity.com) ##### [Buy a Home](https://www.pointequity.com/buy-a-home) ##### [Refinance](https://www.pointequity.com/refinance) ##### [About Us](https://www.pointequity.com/about-us) ##### [Join the Team](https://www.pointequity.com/join-the-team) ##### [Contact Us](https://www.pointequity.com/contact-us) ##### [Resources](https://www.pointequity.com/blog) ### Subscribe to our Newsletter! Point Equity Residential Lending, NMLS ID 1404205. [NMLS Consumer Access Link](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1404205)    Main Office is at 915 Highland Pointe Dr. Suite 160, Roseville, CA 95678. Telephone Number: 916-248-4620. Equal Housing Lender. Licensed in: California (60DBO-56023 & 01987090), Idaho (MBL-2081404205), Washington (CL-1404205). Information, rates, and programs are subject to change without notice and may not be available in all states. This is not an offer to enter into an agreement. All products are subject to credit and property approval.   © Copyright  2020 Point Equity Residential Lending | [Privacy Policy](https://www.pointequity.com/privacy-policy) | [Disclaimer](https://www.pointequity.com/disclaimer)   All information contained herein is for informational purposes only, and while every effort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all options or pricing structures. Rates, terms, programs, and underwriting policies are subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans are subject to underwriting approval. Some products may not be available in all states, and restrictions apply. Equal Housing Opportunity. [**](https://www.facebook.com/pointequity/) [**](https://www.linkedin.com/company/pointequity/) [**](https://www.instagram.com/pointequity/)