Pacific Direct Mortgage

Here's something that doesn't match the usual headlines: the youngest adult buyers are not sitting this market out.

A January 2026 Redfin analysis found that buyers ages 19 to 29 made up 18.5% of U.S. home purchases in 2025, up from 14.4% the year before. Redfin says many got there by settling for a smaller home, moving to a cheaper area, or leaning on family for help. The gains are modest, but they're real!

Here's the catch: A Guild Mortgage and YouGov survey of 1,182 Gen Z adults taken in December 2025 and January 2026, found that 65% say home prices are too high, which is hard to argue with. But 31% said they don't even know where to start, and 67% had never heard of rate buydowns.

Notice what that is. It isn't a lack of interest, it's a lack of information about what's available. And it's hard to use a door you don't know is there.

For agents, that's the opportunity. The young buyer across the table may be more ready than they appear, and a few minutes walking through the options could be the difference between “maybe someday” and a “let’s to that open house” on Saturday.

The same goes for financing. When a buyer's picture of lending starts and ends with a conventional mortgage, it's easy to miss that other paths exist. A direct lender is one of them, with fewer parties between the borrower and the funding decision. If you've got a scenario you're not sure how to finance, reach out to us at Pacific Direct Mortgage and discuss the benefits of our creative Private Money financing.

It’s another reason we're the Private Money Lender everyone's starting to talk about!

Data referenced in this article comes from Redfin's January 2026 homeownership analysis and the Guild Mortgage and YouGov Gen Z Homebuyer Insights survey (December 2025 to January 2026).

Ken & Ari Walker

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

🏡 Another refinance funded in San Mateo County!

The borrower wanted to use the equity in their home to move on a new rental investment, but their credit made conventional financing difficult.

With solid equity in the property, we were able to provide a Private Money refinance that gave them access to the cash they needed for their next real estate opportunity.

Sometimes the opportunity is there before conventional financing is. 😊

Our trunk or treat is about to begin! 🧟👻

That's a wrap on Spirit Week! 🎃👻

Day 5 brought more Halloween fun, some awesome costumes, and plenty of pizza to go around! 🍕
Between the costumes, laughs, and good food, it was a great way to finish off the week!

What a fun week with our Pacific Direct Mortgage and White Hat Servicing team! 🧡🖤

Attention to detail builds confidence, and hearing this from our investors means everything to us. 🙌

If you're interested in becoming a Private Lender in Trust Deeds, simply reach out to sign up!

📞 707-708-0797
🌐 www.pacificdirectmortgage.com

A little throwback to our volunteer day at Redwood Empire Food Bank!

A few of us proudly represented Pacific Direct Mortgage at the volunteer day at Redwood Empire Food Bank.

Along with other North Bay Association of Realtors, we helped box up thousands of meals that will be sent to children, seniors and families throughout our community.

It's always nice to be able to help give back and help create a better community here. 💙