top of page

Home Loan News..


Buydowns Aren’t a Gimmick — They’re a Strategy
You’ve probably heard the term “2-1 buydown” tossed around a lot this past year — especially by sellers trying to sweeten the deal in a...

Michael Belfor
2 days ago1 min read
9 views


Energy Efficiency Incentives: Grants and Loans for Green Improvements
Energy efficiency incentives, including grants and loans, help homeowners make eco-friendly upgrades that reduce energy consumption and...

Michael Belfor
3 days ago2 min read
2 views


Who’s Referring You Right Now (And Why That Matters More Than Ever)
You can’t buy trust — but you can earn it. In a market where leads are more skeptical, rates are still high, and inventory feels tight,...

Michael Belfor
3 days ago1 min read
3 views


Credit Score Not Perfect? Here’s How Buyers Are Still Winning
If you’ve been told “you need a 740+ credit score to buy a home,” let’s just say… that’s outdated advice. Today’s buyers are qualifying —...

Michael Belfor
4 days ago1 min read
7 views


How Investors Are Using Airbnb Income to Qualify Right Now
Short-term rentals (Airbnb, VRBO, etc.) aren’t just side hustles — they’re turning into powerful tools for investors looking to qualify...

Michael Belfor
Jun 131 min read
7 views


What Homeowners Wish They Knew Before They Bought
After hundreds of closings, here’s one thing I’ve learned: Every homeowner has at least one thing they wish they knew before buying. It...

Michael Belfor
Jun 131 min read
7 views


Bought in a High-Rate Market? Here’s Your Next Move.
If you bought a home in the last 18 months, chances are your interest rate wasn’t your favorite part of the deal. Maybe you used a...

Michael Belfor
Jun 131 min read
7 views


From “We Can’t Afford It” to Keys in Hand — Thanks to Down Payment Assistance
A few months ago, I spoke with a couple who’d basically given up on the idea of buying. Two steady jobs. Great rental history. But like a...

Michael Belfor
Jun 121 min read
13 views


Why Veterans Shouldn’t Be Losing to Conventional Offers
If you’re a veteran or active duty military, the VA loan is hands-down one of the best financing options in the country. But let’s be...

Michael Belfor
Jun 111 min read
26 views


Loan Servicing Transfers: What to Expect When Your Loan Changes Hands
A loan servicing transfer occurs when the company that manages your mortgage payments and handles your loan, known as the loan servicer,...

Michael Belfor
Jun 101 min read
15 views


Self-Employed? Here's How You Can Buy Without Tax Return Drama
Being your own boss is awesome… until it’s time to qualify for a mortgage. If you’re self-employed, you already know the drill: Tax...

Michael Belfor
Jun 101 min read
8 views


Can’t Afford a Down Payment? You Might Not Need One.
One of the biggest myths in homebuying is this: “You need 20% down to buy a home.” False. Many buyers today are purchasing with as little...

Michael Belfor
Jun 91 min read
41 views


How Investors Are Buying Without W-2s, Paystubs, or Tax Returns
Think buying an investment property means jumping through hoops with your CPA and hunting down every tax return since 2017? Not anymore....

Michael Belfor
Jun 41 min read
52 views


Interest Rate Buydowns: Lowering Your Mortgage Rate
An interest rate buydown allows homebuyers to temporarily lower their mortgage interest rate, which reduces their monthly payments during...

Michael Belfor
Jun 32 min read
62 views


This One Question Can Change Your Entire Homebuying Strategy
Whenever I talk to a buyer who’s unsure about the market, I ask one simple question: “Are you making a 5-year decision… or a 30-year...

Michael Belfor
Jun 31 min read
48 views


Renting Feels Safer — But It’s Quietly Costing You More
Renting can feel like the safer move. ✅ No long-term commitment. ✅ Predictable payments (for now). ✅ Flexibility to move. But here’s the...

Michael Belfor
Jun 21 min read
12 views


The “High Rate” Myth That’s Costing Buyers Thousands
There’s a myth floating around — maybe you’ve heard it: “I’ll just wait until rates drop before I buy.” At first glance, it makes sense....

Michael Belfor
May 301 min read
13 views


Why Some Offers Get Accepted Instantly (And Others Sit in Limbo)
Ever wonder why some buyers seem to glide into escrow while others get ghosted after submitting an offer? It’s not always the price. ...

Michael Belfor
May 291 min read
20 views


Yes, You Can Still Win in This Market — Here’s How
It’s easy to feel stuck right now. Rates are up. Inventory is low. And every headline makes it sound like homeownership is out of reach....

Michael Belfor
May 281 min read
17 views


Buying in a High-Rate Market? Here’s What Smart Money Is Doing
Today’s market feels like a BBQ with no sauce — prices are hot, rates are hotter, and nobody’s having as much fun as they thought. But...

Michael Belfor
May 271 min read
24 views
Content by The Belfor Team, Mortgage Lender California
bottom of page