Gene Larrea Home Loans

Your Vote Counts! Help our Main Page Jody Bartley, Branch Manager of Omega Mortgage Group be recognized as Tehamas Best!

🏆 It’s that time of year, Tehama County! 🏆
If you’ve had a great experience with us, we’d truly appreciate your vote for Best Real Estate Lender in Tehama County.
We’re grateful to serve this community and help our neighbors take steps toward homeownership. Your support means more to us than you know. Thank you for trusting us and for being part of our journey.

👉 Voting is open now every vote helps support local businesses!

https://bestoftehamacounty.bestinvoting.com

OPEN HOUSE: Come join us on Sunday, 2/22/26 from 11 am - 2 pm. 1110 W. 8th Ave, Apt. 1, Chico, CA 95926.
Nancy McClure Real Estate, Coldwell Banker Select Real Estate
Luis Saavedra Real Estate, Coldwell Banker Select Real Estate
Gene Larrea, Omega Mortgage Group

Giving back to the community is always a good thing to do! As many of you know, I wear many hats, and one of them is being a member of the Active 20-30 Club of Red Bluff.

Active 20-30 is a service organization dedicated to improving the lives of children in our communities. Having a 5yr old, 4yr old and a 8month Baby there is no club that makes better sense to be a part of than one I truly believe in and contributes to the future success of our youth.

Big thanks to Omega Mortgage Group for stepping up as a Bib Sponsor for the 10th Annual Turkey Trot! Right here in Red Bluff at 340 Hickory St., Suite 4, Omega Mortgage offers home-loan services with a personal touch — conventional, FHA, VA, USDA, and more. They’re more than a lender: they’re invested in our community. We appreciate your support in helping our event and our community thrive!

Spring is here, and it’s the perfect time to freshen up your home inside and out! Here are a few easy ways to get your home ready for the season:

Outdoor:
• Check your roof and gutters for any winter wear and tear
• Clean and seal your deck or patio to get it ready for outdoor fun
• Test your sprinkler system to make sure it’s ready for summer
• Trim trees and bushes to keep your yard looking great

Indoor:
• Replace your HVAC filter and schedule an A/C check-up before the heat sets in
• Test smoke detectors and swap out old batteries
• Check under sinks and around appliances for any leaks
• Give high-traffic areas a deep clean for a fresh start

A little spring refresh can go a long way in keeping your home comfortable and well-maintained! Thinking about bigger home improvements? Let’s chat about financing options to help bring your ideas to life!

Building a home is an exciting opportunity to create a space that fits your lifestyle perfectly. But it’s not without potential challenges. Here are three mistakes you’ll want to avoid:

• Skipping the Planning Stage — Rushing into construction without a clear vision can lead to costly changes. Outline your must-haves and nice-to-haves before choosing a floor plan or builder.
• Ignoring Your Budget — It’s easy to get carried away with upgrades, but staying within budget is key. Set realistic expectations and include a cushion for unexpected expenses.
• Not Researching Your Builder — Your builder plays a major role in your home’s quality and timeline. Read reviews, ask for references, and visit past projects before making a decision.

Financing a new home? Our construction loans offer flexible options to help bring your plans to life. Send me a message to get started!

Waiting for lower rates may not be the best move, here’s why. When rates drop, more buyers jump into the market, driving up demand — and often, home prices. Even with a lower rate later, a higher purchase price could mean a bigger mortgage payment in the long run.

Instead of trying to time the market, focus on what you can afford today. Buying now lets you start building equity sooner.

Let’s chat about your options and find the right time for you! Message me to start a conversation.

Your credit score plays a big role in your mortgage approval and the interest rate you qualify for. A higher score can give you access to better rates and loan options, but even if your credit isn’t perfect, buying a home is still possible. The first step is knowing your score — checking your credit report helps you see where you stand. From there, small improvements like making on-time payments and reducing debt can help boost your score over time. No matter your credit situation, there are loan programs designed for a variety of buyers. Your credit score is just one piece of the puzzle, and I’m here to help you find the right mortgage option for you. DM me start a conversation about getting approved.

For a limited time, save on your mortgage with our Spring Into Savings Buydown Program. This 1-0 temporary buydown* lowers your effective interest rate and payments during the first year of your FHA, VA, or USDA loan, making homeownership more affordable.
Don’t wait — this offer won’t last long! Contact me today and mention promo code SPRING SAVINGS to learn more.

*Buydown 1-0 Option will be paid by PrimeLending. Rate discount applies only to first year. Must apply for and lock loan through PrimeLending between 2/1/25 and 4/30/25. Savings will reflect on the Closing Disclosure. Offer only available for FHA, VA, and USDA purchase loans. Excludes bond, broker, conventional products, high balance, jumbo products, portfolio products, construction loans, and refinances. Offer can be paired with PrimeLending VA No Lender Fees promotion, all other promotions are excluded. Certain loan programs do not allow buydowns. Additional restrictions may apply, contact a PrimeLending loan officer for details. Subject to credit approval.

Let your community know who best served YOU!

It's that time of year again! We would be honored to get your vote for "Best Real Estate Lender" in Tehama County. Please click the link below and vote for us today! We truly appreciate it.
https://bestoftehamacounty.bestinvoting.com

Please excuse the Gym Attire! Had to get the blood FLOWING before DONATING!

Outside of helping families achieve their goals and dreams of homeownership, I try my hardest to help people in any way I can. Today was an easy task.

You will never understand how important this is, until you or a loved one needs a resource like this. Its quick and easy to donate, and know that it means the world to the family who needs it.

Thank you Tehama County Association of REALTORS for making this happen!

Homebuying Power:
Understanding how much home you can afford is essential to making confident, informed decisions. Knowing your buying power can help you focus your home search on properties that fit your budget. 💰
Key factors that determine your buying power include your debt-to-income ratio, gross monthly income and housing costs. 🏠 But you don’t have to figure it out on your own — I’m here to guide you! 🤝
Let’s connect and start the process today. 📲