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Home Loan News..


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 151 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 141 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 131 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 73 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 52 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 42 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 31 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 21 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 11 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 312 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 302 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 292 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 281 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 252 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 231 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 221 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 213 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 212 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 182 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 172 min read
Content by The Belfor Team, Mortgage Lender California
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