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Home Loan News..


Mondays Are for Momentum — Not Waiting
Mondays set the tone. And in housing and finance, the start of the week is when hesitation and momentum separate the watchers from the...

Michael Belfor
Sep 8, 20251 min read


A Firm Foundation That Doesn’t Shift
In the housing world, we talk a lot about foundations. A strong home begins with one. But life works the same way. Jesus put it simply in...

Michael Belfor
Sep 7, 20251 min read


Three Smart Moves for First-Time Buyers
Buying your first home can feel intimidating — but it doesn’t have to be. Here are three moves we recommend to every first-time buyer: 1....

Michael Belfor
Sep 6, 20251 min read


Weekly Recap — Staying Ready for Short Windows
This week, rates once again traded in a narrow range. The 10-Year Treasury bounced between 4.20–4.30%, holding mortgage pricing steady....

Michael Belfor
Sep 5, 20251 min read


September Jobs Report Misses — Rates Improve
This morning’s August Jobs Report came in well below expectations, and mortgage markets reacted quickly. Only 22,000 jobs were added in...

Michael Belfor
Sep 5, 20251 min read


Why Mortgage Rates Don’t Always Follow the Fed
With another Fed meeting around the corner, there’s chatter everywhere: “If the Fed cuts rates, won’t mortgage rates drop too?” The...

Michael Belfor
Sep 4, 20251 min read


Three Simple Moves That Make Homebuying Less Stressful
Buying a home is exciting — but it can also feel overwhelming. Between documents, deadlines, and decisions, many buyers end up stressed...

Michael Belfor
Sep 3, 20251 min read


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 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


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


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
Content by The Belfor Team, Mortgage Lender California
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