top of page

Home Loan News..


Will Rates Drop Again This Year? Here's What the Data Says.
This week, we locked 12 refinance loans for clients who had been waiting for the right moment — and they got it. But one question keeps...

Michael Belfor
Aug 7, 20253 min read


Midweek Clarity — What the Market’s Whispering (That Most Buyers Miss)
We’re halfway through the week — and while mortgage rates haven’t made any big moves yet, the data is whispering something important. The...

Michael Belfor
Aug 6, 20252 min read


Luxury Home Mortgages: Financing High-End Properties
Luxury home mortgages are designed for buyers purchasing high-end properties that exceed the limits of conventional loans. These...

Michael Belfor
Aug 5, 20252 min read


Buyers Are Tired — But This Is Where the Smart Ones Double Down
We’re officially in the dog days of summer — and if we’re honest, most buyers are tired. They’re tired of high payments.They’re tired of...

Michael Belfor
Aug 5, 20252 min read


It’s August — and the Market’s Already Setting Up for a September Shift
We’re barely into August, but the tone of the market has already changed. Last week’s data dropped a few hints — nothing dramatic, but...

Michael Belfor
Aug 4, 20252 min read


4 Programs That Are Quietly Winning the Summer
While most buyers are focused on rate headlines, smart buyers (and agents) are using strategy to win — with programs that offer speed,...

Michael Belfor
Aug 3, 20251 min read


The Myth of Waiting for Rates to Drop
We hear it all the time: "We’re just going to wait for rates to come down.” It sounds logical. But the reality? Most people who say that...

Michael Belfor
Aug 2, 20251 min read


The Fed Is Holding... But for How Long?
Yesterday’s Fed meeting came and went with no rate change , as expected. But buried in Powell’s remarks was a shift in tone: “We’re not...

Michael Belfor
Aug 1, 20251 min read


Mortgage Rates Don’t Drift — They Drop Fast (When They Drop)
Here’s what that looks like visually: Those yellow highlights? They’re brief dips in the 10-Year Treasury — and each one created a short...

Michael Belfor
Jul 31, 20252 min read


The Pause Before the Push
If the market had a soundtrack right now, it’d be the moment right before the bass drops. You know it’s coming—you just don’t know...

Michael Belfor
Jul 30, 20252 min read


Adjustable-Rate Mortgage Caps: Understanding Rate Limits
An adjustable-rate mortgage (ARM) offers a variable interest rate that can change over time, based on market conditions. However, to...

Michael Belfor
Jul 29, 20252 min read


The 1% Rule Isn’t Dead — It Just Moved
There was a time when every investor in America was hunting 1% rental deals like gold. You know the rule: If a property rents for 1% or...

Michael Belfor
Jul 29, 20252 min read


When 2 Years Isn’t 2 Years: What Self-Employed Buyers Need to Know About Qualifying
For self-employed borrowers, the NUMBER ONE question we get is: “Do I need two full years of tax returns?” The answer? Not always. And...

Michael Belfor
Jul 28, 20251 min read


The Windows Don’t Stay Open Long — Why Rate Watching Matters More Than Ever
If you're a buyer (or working with one), you’ve probably asked the question: “Are rates going to get better soon?” The truth? Maybe. But...

Michael Belfor
Jul 26, 20252 min read


The Real Estate Catch-22
One of the biggest hurdles for homeowners wanting to move up (or even sideways) is this: “I can’t buy until I sell… but I don’t want to...

Michael Belfor
Jul 25, 20252 min read


Why Buyers Regret Waiting—and What They're Doing About It
“I should’ve bought last year.” We’ve all heard it—buyers kicking themselves for not acting sooner. But here’s what they’re realizing...

Michael Belfor
Jul 24, 20251 min read


LLC Loans and Airbnb Income — How Investors Are Scaling Smarter in 2025
One of the biggest shifts in lending this year has nothing to do with rates — and everything to do with structure. Smart investors are...

Michael Belfor
Jul 23, 20251 min read


Listing Local Parks, Beaches, and Theme Parks: What Your Area Has to Offer
When considering a new place to live, the availability of recreational and leisure activities can be a significant factor. Local parks,...

Michael Belfor
Jul 22, 20253 min read


How a 2-1 Buydown Can Save You $6,000+ in Year One
With rates still bouncing around, a lot of buyers feel stuck.They want to move but can’t justify the monthly payment jump. Enter the 2-1...

Michael Belfor
Jul 22, 20251 min read


Unpacking the Price, Utility, and Future Potential of XRP
If you’ve been watching XRP lately, you’ve probably noticed some fireworks — price surging into all-time highs, headlines swirling with...

Michael Belfor
Jul 21, 20253 min read
Content by The Belfor Team, Mortgage Lender California
bottom of page
