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Home Loan News..


Why the Right Loan Program Matters as Much as the Rate
Most people start the mortgage conversation with one question: “What’s the rate?” And while the interest rate is important, it’s not the...

Michael Belfor
Aug 26, 20251 min read


Why Mortgage Rates Feel “Stuck” Going Into the Weekend
Heading into the weekend, mortgage rates are holding steady — but not because the market is calm. In fact, there’s a lot happening under...

Michael Belfor
Aug 22, 20251 min read


5 Loan Programs You Didn’t Know You Could Qualify For
A lot of buyers assume they can’t qualify—or that rates are too high. But here’s the truth: there are strategic loan programs available...

Michael Belfor
Aug 21, 20251 min read


Mid-August Market Check — Why Rates Feel Stuck (and What to Do About It)
It’s mid-August, and many buyers and homeowners are asking the same question: “Why do rates feel like they’re going nowhere?” On the...

Michael Belfor
Aug 20, 20252 min read


Refinancing for Better Rates: When to Seek Lower Interest Rates
Refinancing your mortgage to secure a lower interest rate can save you thousands of dollars over the life of the loan. Homeowners often...

Michael Belfor
Aug 19, 20252 min read


Why This Summer’s Rate Environment Rewards Fast Movers
Summer 2025 has been defined by short-lived opportunities. Whether it’s a softer jobs report or a cooler inflation number, the result is...

Michael Belfor
Aug 15, 20251 min read


The 10-Year Treasury Is Still the Key to Mortgage Rates
If you want to know where mortgage rates are headed, watch the 10-Year Treasury yield . When the yield dips below key support levels —...

Michael Belfor
Aug 14, 20251 min read


Midweek Market Watch — Calm Before the Data
It’s Wednesday, and on the surface, the market looks quiet. Mortgage rates have held steady since the small bump after last week’s bond...

Michael Belfor
Aug 13, 20251 min read


Why Rate Windows Keep Closing Faster Than Ever
Last week was a perfect example of today’s mortgage market: rates dipped briefly, and then — just as quickly — they jumped back up. We...

Michael Belfor
Aug 12, 20251 min read


The Market’s Calm Is Only on the Surface
It’s Monday morning, and the market feels… calm. No big headlines. No shock reports. No Fed meetings this week. But under the surface,...

Michael Belfor
Aug 11, 20251 min read


Why Waiting for Lower Rates Could Cost You More Than You Think
This week, we saw a short-lived improvement in mortgage rates — and we acted fast, locking 12 refinance loans for clients who had been...

Michael Belfor
Aug 8, 20252 min read


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


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


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 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


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


What If Rates Drop? Should You Buy Now or Wait?
It’s the question everyone’s asking (out loud or in their heads): “Should I wait for rates to drop before buying?” The answer? It depends...

Michael Belfor
Jul 21, 20252 min read


The Myth of 20% Down — And What First-Time Buyers Are Actually Doing Instead
Let’s clear something up: You do not need 20% down to buy a home. That might’ve been true for your parents in the ‘90s.But in 2025? It’s...

Michael Belfor
Jul 18, 20252 min read


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
Jul 17, 20252 min read
Content by The Belfor Team, Mortgage Lender California
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