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Home Loan News..


Seller Credits: The Most Underused Tool in Today’s Market
In a competitive seller’s market, we all know price matters.But in this market — with higher rates and tight affordability — the smartest...

Michael Belfor
16 hours ago2 min read


DSCR Loans: The Smartest Loan Investors Aren’t Using Enough
If you’re a real estate investor — or working with one — you probably already know how hard it can be to qualify for a mortgage using...

Michael Belfor
2 days ago2 min read


How to Stack Down Payment Assistance Like a Pro (Yes, You Can Layer Programs)
Most people think you can only use one DPA program. Not true. With the right combination of programs and a lender who knows how to...

Michael Belfor
3 days ago1 min read


Self-Employed? Here's How to Buy Without a W-2 (or a Headache)
You own your own business. You're crushing it. You've got money in the bank, a growing operation, maybe even a couple team members. And...

Michael Belfor
3 days ago2 min read


Temporary Buydowns: The Most Misunderstood Tool in Mortgage Right Now
Ask most buyers (and even some agents) what a buydown is, and the answer usually falls into one of two categories: ❌ “Isn’t that just...

Michael Belfor
7 days ago1 min read


The Market Doesn’t Wait — But Too Many Buyers Do
Let me guess… You’ve probably had that moment where you're scrolling listings at night and thinking: “We should really do this.”“But...

Michael Belfor
Jul 101 min read


You Don’t Need to Be 100% Ready — You Just Need to Be 1% Brave
Let’s talk about the real reason most people don’t buy a home: It’s not the rate. It's not the down down payment. It's not the credit...

Michael Belfor
Jul 91 min read


Mortgage Insurance Options: Protecting Lenders and Borrowers
Mortgage insurance is a policy that protects lenders in case a borrower defaults on their mortgage. For homebuyers, it’s usually required...

Michael Belfor
Jul 82 min read


Confused by the Market? Here’s What Actually Helps.
Let’s be honest — trying to figure out when to buy a home in 2025 can feel like trying to hit a moving target… blindfolded… while...

Michael Belfor
Jul 82 min read


Second Half Surge: What If Now Is Your Moment?
The fireworks are done. The BBQ leftovers are (mostly) gone. Summer’s rolling, and we’re officially in the second half of the year. And...

Michael Belfor
Jul 71 min read


Before the BBQs Start: A Quick Note About the Market
As we head into the Fourth of July weekend, I wanted to quickly share something you may not hear from the mainstream headlines… 🏡 This...

Michael Belfor
Jul 31 min read


Freedom Looks Different When You Own It
With the 4th of July around the corner, we’re celebrating a lot of things: country, family, summer — and yes, freedom. But here’s a...

Michael Belfor
Jul 31 min read


Overwhelmed by the Process? You’re Not Alone — and Not Behind.
Let’s be honest — buying a home can feel like too much: 📋 Credit scores 💸 Down payments 🏦 Pre-approvals 🧾 Documents 📉 Rates changing...

Michael Belfor
Jul 21 min read


New Quarter. Fresh Start. Let’s Reset the Game Plan.
It’s officially July — which means we’re halfway through the year… and entering one of the most opportunistic windows in real estate....

Michael Belfor
Jul 11 min read


Why the Lowest Rate Doesn’t Always Win
Everyone wants a low interest rate — and I totally get it. But chasing the “lowest rate” without a strategy? That’s where people get...

Michael Belfor
Jun 301 min read


Think You're Behind? You're Probably Closer Than You Think.
A lot of buyers are walking around with this silent narrative in their head: “We’d love to buy, but we’re probably not ready yet.” Here’s...

Michael Belfor
Jun 271 min read


Sitting on Equity? Here’s What You Can Do With It.
A lot of homeowners feel stuck right now. “I don’t want to give up my low rate,""I’m not sure if it makes sense to move,” “I guess I’ll...

Michael Belfor
Jun 261 min read


Pre-Approved ≠ Prepared — Here’s the Real Advantage
Getting pre-approved is a solid first step — and most buyers think that’s where the mortgage work ends. But in this market, pre-approval...

Michael Belfor
Jun 251 min read


Waiting for a “Better Market”? Read This First.
“I’m just going to wait until the market gets better.” Totally fair… but here’s the question: better for who? A “better” market usually...

Michael Belfor
Jun 241 min read


Multifamily Property Loans: Financing for Investment in Multi-Unit Homes
Multifamily property loans are designed for investors or homebuyers looking to purchase properties with multiple units, such as duplexes,...

Michael Belfor
Jun 242 min read
Content by The Belfor Team, Mortgage Lender California
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