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Josh Tartar

@jtartar

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Loan Officer | Big Valley Mortgage | Sacramento, CA | NMLS 973272

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Open House 10/17/26 - 1PM -3PM
3111 Two Rivers Dr Sacramento $549K by @jtartar

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6 hours ago

Home equity comes with a lot of outdated myths.

You don't have to wait years to start building it. A HELOC doesn't touch your current mortgage rate. And it's not just for renovations; it can be a real financial tool for whatever you need.

Comment "HELOC” below, and I'll walk you through what's actually true for your situation.

#owntheoutcome

NMLS# 973272 by @jtartar

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2 days ago

Today’s National Rate Index—Let’s Talk Strategy| October 13th 2026.
Understanding rates is step one. Understanding what they mean for your loan is the part that actually helps. Here’s this week’s data.

NMLS# 973272

#owntheoutcome by @jtartar

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4 days ago

Forget haunted houses.
We know what actually scares loan officers 💀
New debt before closing.
Unexplained money movement.
Falling in love with a house without a pre-approval.
And perhaps the scariest one of all: Giving up because one lender said no. 👻
This Halloween, save the surprises for the candy bowl. Talk to your Loan Advisor before making any big financial moves—and if you’ve already heard a “no,” a second opinion might be worth a conversation.
Happy Halloween. 🎃🏡

#owntheoutcome

NMLS# 973272 by @jtartar

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4 days ago

🏈 Football season is HERE!

Football fans, who are you cheering for this season?

Drop your team in the comments and let’s see where everyone’s loyalty lies!

And remember… friendly football trash talk is always welcome. 😉

#owntheoutcome

NMLS# 973272 by @jtartar

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9 days ago

Plot twist: You don’t have to be ready to buy a home to start planning for one. 👀
Sometimes the smartest first move is simply finding out what it would take to get there.
Start with a conversation. Let's connect!

#owntheoutcome

NMLS# 973272 by @jtartar

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11 days ago

A home equity line of credit (HELOC) can be a powerful financial tool—and it’s not just for buying your next home.
A HELOC allows you to borrow against the equity you’ve built in your home, and you make payments on only the amount you actually use. That flexibility means you can access funds when you need them for a variety of goals.
Homeowners commonly use a HELOC to:
✔️ Cover home improvements or renovations
✔️ Consolidate higher-interest debt
✔️ Fund major life expenses like tuition or travel
✔️ Create a financial cushion for unexpected expenses
✔️ Help bridge the gap when moving to a new home
If you’re planning to sell your home and want to use a HELOC as part of your move strategy, it’s important to set it up before your home is listed for sale. Once a property is on the market, most lenders will no longer allow a new HELOC to be opened.

#owntheoutcome

NMLS# 973272 by @jtartar

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16 days ago

💳 Feeling weighed down by high-interest debt?
Your home equity could be the key to relief.

With the right strategy—like a cash-out refinance or HELOC—you can roll your debt into one lower monthly payment and start saving big on interest.

Let’s turn your equity into a smart financial move.
📩 Contact us to explore your options!

NMLS# 973272 by @jtartar

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18 days ago

The listing price is only part of the picture. 🏡
Your down payment, loan structure, taxes, homeowners insurance, and other costs all help shape your monthly payment.
Before you rule a home in or out, run the numbers.
📲 Contact me, your local Loan Advisor!

#owntheoutcome

NMLS# 973272 by @jtartar

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23 days ago

Most people assume tapping into home equity means piles of paperwork and a long wait. That's not really the case anymore.

APM's HELOC is 100% online, so you can apply from your couch. It typically comes with a lower rate than a credit card, and since most of the process is digital, approval and funding move faster than people expect.

If you've got equity and want to see your options, let’s talk!

#owntheoutcome

NMLS# 973272 by @jtartar

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25 days ago

The Fed raised rates. So…what does that mean for your homebuying plans? 👀
Here's the thing: mortgage rates don't move in lockstep with the Fed. Markets often react before the Fed even makes it official, which is exactly what happened this time. Mortgage rates ticked up heading into the meeting, and they've come down some since, but not all the way back to where they were.
If the headlines have you second-guessing your plans, you're not overreacting. This stuff is confusing, even for people who watch it closely.
A rate change doesn't automatically mean the door closes on buying a home. It might change the math a little. It might not change much at all. The only way to know is to look at your actual numbers, not the headlines.
That's what I'm here for. Send me a message and let's look at where things stand for you.

NMLS# 973272

#owntheoutcome by @jtartar

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a month ago

The best part of homeownership isn’t the four walls.
It’s the Saturday mornings. The messy kitchens. The backyard adventures. The birthdays, holidays, and ordinary days that turn into your favorite memories.
Because you’re not just buying a home. You’re creating a place for life to happen. ❤️
Ready to find yours? Send me DM to connect.

#owntheoutcome

NMLS# 973272 by @jtartar

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a month ago