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Home Loan News..


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
1 day ago1 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
2 days ago2 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
3 days ago1 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


Reverse Mortgage for Purchase: Buying a Home with a Reverse Mortgage
A reverse mortgage for purchase, also known as a Home Equity Conversion Mortgage (HECM) for purchase, allows seniors aged 62 or older to...

Michael Belfor
Jun 242 min read


Summer’s Heating Up — And So Is Buyer Activity
Summer always brings a surge of new home shoppers — families moving before school starts, first-timers finally ready to look, and renters...

Michael Belfor
Jun 231 min read


You're Already Paying a Mortgage — It's Just Not Yours
Let’s be real: most renters could qualify for a mortgage — they just don’t think they can. Maybe it’s because they: Think they need...

Michael Belfor
Jun 201 min read


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
Jun 181 min read


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
Jun 172 min read


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
Jun 171 min read


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
Jun 161 min read
Content by The Belfor Team, Mortgage Lender California
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