Reliance Financial

Reliance Financial Guided by trust, inclusion, love, progress, and diversity, we are Reliance Financial. Home loans made simple. Powering Homeownership since 2004. NMLS #309198.

Reliance Financial has over 40 years of mortgage expertise, proudly helping families and investors build their futures through trusted, transparent, and personalized home loan solutions.

๐Ÿก We are Powering Homeownership across America. ๐Ÿ‡บ๐Ÿ‡ธ Our team of mortgage advisors is committed to streamlining the financing journey for you and your family by providing customized solutions, low rates, and fast c

losing-times. Headquartered in Dublin, CA. Family-owned and privately operated. Visit us at www.reliancefinancial.com for more information. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.

๐—ง๐—ต๐—ฒ ๐—ฟ๐—ฒ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ฒ ๐—บ๐—ฎ๐—ฟ๐—ธ๐—ฒ๐˜ ๐—ฑ๐—ถ๐—ฑ๐—ป'๐˜ ๐—ฑ๐—ถ๐˜€๐—ฎ๐—ฝ๐—ฝ๐—ฒ๐—ฎ๐—ฟ. ๐—œ๐˜ ๐—ฐ๐—ต๐—ฎ๐—ป๐—ด๐—ฒ๐—ฑ.You may have a great mortgage rate. But are you also carrying expensiv...
09/01/2026

๐—ง๐—ต๐—ฒ ๐—ฟ๐—ฒ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ฒ ๐—บ๐—ฎ๐—ฟ๐—ธ๐—ฒ๐˜ ๐—ฑ๐—ถ๐—ฑ๐—ป'๐˜ ๐—ฑ๐—ถ๐˜€๐—ฎ๐—ฝ๐—ฝ๐—ฒ๐—ฎ๐—ฟ. ๐—œ๐˜ ๐—ฐ๐—ต๐—ฎ๐—ป๐—ด๐—ฒ๐—ฑ.

You may have a great mortgage rate. But are you also carrying expensive credit card debt?

โ€ข $1.26 trillion in credit card debt as of Q2 2026
โ€ข $459 billion in HELOC balances, up $142B from the Q1 2022 low

Thatโ€™s not a refinance conversation. Thatโ€™s a wealth preservation and personal finance optimization conversation.

๐—ง๐—ต๐—ฒ ๐—ฟ๐—ถ๐—ด๐—ต๐˜ ๐—พ๐˜‚๐—ฒ๐˜€๐˜๐—ถ๐—ผ๐—ป ๐—ถ๐˜€๐—ป'๐˜ "๐˜€๐—ต๐—ผ๐˜‚๐—น๐—ฑ ๐—œ ๐—ฟ๐—ฒ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ฒ?"

๐—ง๐—ต๐—ฒ ๐—ฏ๐—ฒ๐˜๐˜๐—ฒ๐—ฟ ๐—พ๐˜‚๐—ฒ๐˜€๐˜๐—ถ๐—ผ๐—ป: ๐—›๐—ผ๐˜„ ๐—ฑ๐—ผ ๐—œ ๐˜‚๐˜€๐—ฒ ๐—บ๐˜† ๐—ต๐—ผ๐—บ๐—ฒ ๐—ฒ๐—พ๐˜‚๐—ถ๐˜๐˜† ๐˜„๐—ถ๐˜๐—ต๐—ผ๐˜‚๐˜ ๐˜‚๐—ป๐—ป๐—ฒ๐—ฐ๐—ฒ๐˜€๐˜€๐—ฎ๐—ฟ๐—ถ๐—น๐˜† ๐—ด๐—ถ๐˜ƒ๐—ถ๐—ป๐—ด ๐˜‚๐—ฝ ๐—ฎ ๐—ด๐—ฟ๐—ฒ๐—ฎ๐˜ ๐—ณ๐—ถ๐—ฟ๐˜€๐˜ ๐—บ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ?

Sometimes the answer is: do nothing. Your current structure may already be optimal.

Options worth exploring:
๐Ÿ  HELOC
๐Ÿ”’ Fixed-rate second mortgage
๐Ÿ”„ Cash-out refinance
๐Ÿ“‹ Debt consolidation

The right answer is in the math, not the headline. We can help you do the math.

Tag someone who needs to see this.

๐Ÿ“ž (888) 973-5346 | ๐ŸŒ RelianceFinancial.com

๐๐Œ๐‹๐’ #309198 | ๐„๐ช๐ฎ๐š๐ฅ ๐‡๐จ๐ฎ๐ฌ๐ข๐ง๐  ๐Ž๐ฉ๐ฉ๐จ๐ซ๐ญ๐ฎ๐ง๐ข๐ญ๐ฒ

08/31/2026

Where are mortgage rates headed next?

While many are waiting for rates to come down, the reality is nobody really knows.

But tariffs, inflation, geopolitical risk, Treasury yields, and rising U.S. debt are giving us important clues about what could move rates next.

And volatility can create opportunity for prepared buyers:

Less competition โ†’ More leverage โ†’ More seller concessions โ†’ Better buying opportunities.

Our CEO, Lucky Sandhu, breaks down how homebuyers and homeowners can take advantage of current market conditions.

The goal is not to predict the market perfectly. It is to be ready when the opportunity appears.

๐Ÿ“ž (888) 973-5346
๐ŸŒ RelianceFinancial.com

๐Ÿ“‰ ๐— ๐—ข๐—ฅ๐—ง๐—š๐—”๐—š๐—˜ ๐—ฅ๐—”๐—ง๐—˜๐—ฆ ๐—จ๐—ฃ๐——๐—”๐—ง๐—˜ - Monday, August 31, 2026Homebuyers & Homeowners! Mortgage rates are slightly higher today. Acco...
08/31/2026

๐Ÿ“‰ ๐— ๐—ข๐—ฅ๐—ง๐—š๐—”๐—š๐—˜ ๐—ฅ๐—”๐—ง๐—˜๐—ฆ ๐—จ๐—ฃ๐——๐—”๐—ง๐—˜ - Monday, August 31, 2026

Homebuyers & Homeowners! Mortgage rates are slightly higher today. According to Mortgage News Daily, the national average 30-year fixed rate is 6.87%.

๐Ÿ’ก At Reliance Financial, weโ€™re offering rates below the national average. Whether you're purchasing or refinancing, our competitive rates could save you thousands over the term of your mortgage.

โœ… Compare. Save. Close fast.
๐Ÿ“ž Call (888) 9-RELFIN
๐ŸŒ Visit www.RelianceFinancial.com

๐Ÿก Why Choose Reliance Financial?
โ€ข Consistently lower rates
โ€ข Fast, transparent closings
โ€ข Expert guidance for every step of your homeownership journey

Rate Assumptions: 740+ credit score, $400K+ conforming loan or $850K+ high-balance loan, 60% or lower Loan-To-Value (LTV).

๐Œ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž ๐Œ๐š๐ซ๐ค๐ž๐ญ๐ฌ ๐ข๐ง ๐š ๐Œ๐ข๐ง๐ฎ๐ญ๐ž | ๐–๐ž๐ž๐ค ๐จ๐Ÿ ๐€๐ฎ๐ ๐ฎ๐ฌ๐ญ 31, 2026Mortgage rates could see meaningful movement this week as markets ...
08/31/2026

๐Œ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž ๐Œ๐š๐ซ๐ค๐ž๐ญ๐ฌ ๐ข๐ง ๐š ๐Œ๐ข๐ง๐ฎ๐ญ๐ž | ๐–๐ž๐ž๐ค ๐จ๐Ÿ ๐€๐ฎ๐ ๐ฎ๐ฌ๐ญ 31, 2026

Mortgage rates could see meaningful movement this week as markets focus on two key signals: services-sector inflation and Fridayโ€™s Employment Report.

With Fed policy expectations already shifting, stronger economic data could put renewed upward pressure on rates, while signs of a cooling labor market could provide some relief.

Beyond the data, tariffs, Middle East tensions and oil prices, and U.S. debt concerns remain important risks for the bond market.

๐…๐จ๐ซ ๐ก๐จ๐ฆ๐ž๐›๐ฎ๐ฒ๐ž๐ซ๐ฌ ๐š๐ง๐ ๐ก๐จ๐ฆ๐ž๐จ๐ฐ๐ง๐ž๐ซ๐ฌ, ๐ญ๐ก๐ข๐ฌ ๐ข๐ฌ ๐š ๐ฐ๐ž๐ž๐ค ๐ฐ๐จ๐ซ๐ญ๐ก ๐ฐ๐š๐ญ๐œ๐ก๐ข๐ง๐ . ๐Ž๐ฉ๐ฉ๐จ๐ซ๐ญ๐ฎ๐ง๐ข๐ญ๐ข๐ž๐ฌ ๐œ๐š๐ง ๐ž๐ฆ๐ž๐ซ๐ ๐ž ๐ช๐ฎ๐ข๐œ๐ค๐ฅ๐ฒ ๐ฐ๐ก๐ž๐ง ๐ฆ๐š๐ซ๐ค๐ž๐ญ๐ฌ ๐ฆ๐จ๐ฏ๐ž.

๐Ÿ“ž (888) 973-5346 ๐Ÿ“ง [email protected]

๐‘๐ž๐ฅ๐ข๐š๐ง๐œ๐ž ๐…๐ข๐ง๐š๐ง๐œ๐ข๐š๐ฅ. ๐๐จ๐ฐ๐ž๐ซ๐ข๐ง๐  ๐‡๐จ๐ฆ๐ž๐จ๐ฐ๐ง๐ž๐ซ๐ฌ๐ก๐ข๐ฉ.

๐Ÿ“‰ ๐— ๐—ข๐—ฅ๐—ง๐—š๐—”๐—š๐—˜ ๐—ฅ๐—”๐—ง๐—˜๐—ฆ ๐—จ๐—ฃ๐——๐—”๐—ง๐—˜ - Friday, August 28, 2026Homebuyers & Homeowners! Mortgage rates are slightly higher today. Acco...
08/28/2026

๐Ÿ“‰ ๐— ๐—ข๐—ฅ๐—ง๐—š๐—”๐—š๐—˜ ๐—ฅ๐—”๐—ง๐—˜๐—ฆ ๐—จ๐—ฃ๐——๐—”๐—ง๐—˜ - Friday, August 28, 2026

Homebuyers & Homeowners! Mortgage rates are slightly higher today. According to Mortgage News Daily, the national average 30-year fixed rate is 6.76%.

๐Ÿ’ก At Reliance Financial, weโ€™re offering rates below the national average. Whether you're purchasing or refinancing, our competitive rates could save you thousands over the term of your mortgage.

โœ… Compare. Save. Close fast.
๐Ÿ“ž Call (888) 9-RELFIN
๐ŸŒ Visit www.RelianceFinancial.com

๐Ÿก Why Choose Reliance Financial?
โ€ข Consistently lower rates
โ€ข Fast, transparent closings
โ€ข Expert guidance for every step of your homeownership journey

Rate Assumptions: 740+ credit score, $400K+ conforming loan or $850K+ high-balance loan, 60% or lower Loan-To-Value (LTV).

๐—ฌ๐—ข๐—จ๐—ฅ ๐—›๐—ข๐— ๐—˜ ๐—”๐—ฃ๐—ฃ๐—ฅ๐—”๐—œ๐—ฆ๐—”๐—Ÿ ๐—œ๐—ฆ ๐—”๐—•๐—ข๐—จ๐—ง ๐—ง๐—ข ๐—–๐—›๐—”๐—ก๐—š๐—˜ ๐ŸกOne of the biggest changes to home appraisals in years is coming this fall.Begin...
08/28/2026

๐—ฌ๐—ข๐—จ๐—ฅ ๐—›๐—ข๐— ๐—˜ ๐—”๐—ฃ๐—ฃ๐—ฅ๐—”๐—œ๐—ฆ๐—”๐—Ÿ ๐—œ๐—ฆ ๐—”๐—•๐—ข๐—จ๐—ง ๐—ง๐—ข ๐—–๐—›๐—”๐—ก๐—š๐—˜ ๐Ÿก

One of the biggest changes to home appraisals in years is coming this fall.

Beginning November 2, 2026, Fannie Mae and Freddie Mac will require a redesigned appraisal report that replaces multiple traditional forms with a more dynamic, data-rich approach.

๐—ช๐—ต๐—ฎ๐˜ ๐—ฑ๐—ผ๐—ฒ๐˜€ ๐˜๐—ต๐—ฎ๐˜ ๐—บ๐—ฒ๐—ฎ๐—ป ๐—ณ๐—ผ๐—ฟ ๐˜†๐—ผ๐˜‚?

Buyers and homeowners can expect more standardized, detailed and consistent information about the property being appraised.

What isn't changing? The fundamentals used to determine market value.

If you're planning to buy, sell or refinance, understanding changes like these before your transaction begins can help you navigate the process with greater confidence.

๐Ÿ“ž (888) 973-5346 | โœ‰๏ธ [email protected] | ๐ŸŒ RelianceFinancial.com

NMLS #309198 | Equal Housing Opportunity

๐—•๐—ฅ๐—˜๐—”๐—ž๐—œ๐—ก๐—š: ๐—™๐—ฒ๐—ฑ ๐—–๐—ต๐—ฎ๐—ถ๐—ฟ ๐—ช๐—ฎ๐—ฟ๐˜€๐—ต ๐—ฆ๐—ถ๐—ด๐—ป๐—ฎ๐—น๐˜€ ๐˜๐—ต๐—ฒ ๐—œ๐—ป๐—ณ๐—น๐—ฎ๐˜๐—ถ๐—ผ๐—ป ๐—™๐—ถ๐—ด๐—ต๐˜ ๐—œ๐˜€๐—ปโ€™๐˜ ๐—ข๐˜ƒ๐—ฒ๐—ฟโ โ In his highly anticipated Jackson Hole debut, Fed Chai...
08/28/2026

๐—•๐—ฅ๐—˜๐—”๐—ž๐—œ๐—ก๐—š: ๐—™๐—ฒ๐—ฑ ๐—–๐—ต๐—ฎ๐—ถ๐—ฟ ๐—ช๐—ฎ๐—ฟ๐˜€๐—ต ๐—ฆ๐—ถ๐—ด๐—ป๐—ฎ๐—น๐˜€ ๐˜๐—ต๐—ฒ ๐—œ๐—ป๐—ณ๐—น๐—ฎ๐˜๐—ถ๐—ผ๐—ป ๐—™๐—ถ๐—ด๐—ต๐˜ ๐—œ๐˜€๐—ปโ€™๐˜ ๐—ข๐˜ƒ๐—ฒ๐—ฟโ 
โ 
In his highly anticipated Jackson Hole debut, Fed Chair Kevin Warsh delivered a clear message: despite recent improvement in inflation, the Federal Reserve may still have more work to do.โ 
โ 
Warsh said broad financial conditions do not appear restrictive and noted that nearly half of the items in the Fedโ€™s preferred inflation basket are still rising faster than 3%.โ 
โ 
๐—ช๐—ต๐—ฎ๐˜ ๐—ฑ๐—ผ๐—ฒ๐˜€ ๐˜๐—ต๐—ถ๐˜€ ๐—บ๐—ฒ๐—ฎ๐—ป ๐—ณ๐—ผ๐—ฟ ๐—ต๐—ผ๐—บ๐—ฒ๐—ฏ๐˜‚๐˜†๐—ฒ๐—ฟ๐˜€ ๐—ฎ๐—ป๐—ฑ ๐—ต๐—ผ๐—บ๐—ฒ๐—ผ๐˜„๐—ป๐—ฒ๐—ฟ๐˜€?โ 
โ 
The path to lower interest rates may not be as quick or predictable as markets had hoped. Warsh stopped short of committing to a September rate increase, emphasizing that upcoming economic data will drive the Fedโ€™s decision.โ 
โ 
For mortgage borrowers, the takeaway is important: ๐˜„๐—ฎ๐—ถ๐˜๐—ถ๐—ป๐—ด ๐—ณ๐—ผ๐—ฟ ๐—ฑ๐—ฟ๐—ฎ๐—บ๐—ฎ๐˜๐—ถ๐—ฐ๐—ฎ๐—น๐—น๐˜† ๐—น๐—ผ๐˜„๐—ฒ๐—ฟ ๐—ฟ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ถ๐˜€ ๐—ป๐—ผ๐˜ ๐—ฎ ๐˜€๐˜๐—ฟ๐—ฎ๐˜๐—ฒ๐—ด๐˜†. Financing decisions should be built around todayโ€™s opportunities, with flexibility to take advantage if rates improve later.โ 
โ 
๐Ÿ“ž (888) 973-5346 | โœ‰๏ธ [email protected] | ๐ŸŒ RelianceFinancial.comโ 
โ 
Reliance Financial | NMLS #309198โ 
โ 
Source: The Wall Street Journal, August 28, 2026

We are delighted to support the Womenโ€™s Council of REALTORSยฎ Contra Costa (Womenโ€™s Council of Realtors Contra Costa) and...
08/28/2026

We are delighted to support the Womenโ€™s Council of REALTORSยฎ Contra Costa (Womenโ€™s Council of Realtors Contra Costa) and this outstanding community of real estate professionals.

At Reliance Financial we are proud to partner with professionals who share our commitment to serving homebuyers and homeowners with expertise, integrity, and exceptional service.

Looking forward to building relationships, sharing ideas, and supporting the Contra Costa real estate community.

Mortgage rates are being shaped by more than Fed policy.This week, global trade tensions, Treasury market volatility, an...
08/27/2026

Mortgage rates are being shaped by more than Fed policy.
This week, global trade tensions, Treasury market volatility, and inflation expectations are all influencing the outlook for rates and housing.

For homebuyers, homeowners, and real estate investors, the takeaway is simple: waiting for the โ€œperfectโ€ rate isnโ€™t a strategy. Having the right financing plan is.

At Reliance Financial, we help you understand the market, evaluate your options, and make informed decisions with confidence.

๐Ÿ“ž (888) 973-5346
NMLS #309198 | Equal Housing Lender

๐Ÿ“‰ ๐— ๐—ข๐—ฅ๐—ง๐—š๐—”๐—š๐—˜ ๐—ฅ๐—”๐—ง๐—˜๐—ฆ ๐—จ๐—ฃ๐——๐—”๐—ง๐—˜ - Thursday, August 27, 2026Homebuyers & Homeowners! Mortgage rate remains unchanged. According t...
08/27/2026

๐Ÿ“‰ ๐— ๐—ข๐—ฅ๐—ง๐—š๐—”๐—š๐—˜ ๐—ฅ๐—”๐—ง๐—˜๐—ฆ ๐—จ๐—ฃ๐——๐—”๐—ง๐—˜ - Thursday, August 27, 2026

Homebuyers & Homeowners! Mortgage rate remains unchanged. According to Mortgage News Daily, the national average 30-year fixed rate is 6.75%.

๐Ÿ’ก At Reliance Financial, weโ€™re offering rates below the national average. Whether you're purchasing or refinancing, our competitive rates could save you thousands over the term of your mortgage.

โœ… Compare. Save. Close fast.
๐Ÿ“ž Call (888) 9-RELFIN
๐ŸŒ Visit www.RelianceFinancial.com

๐Ÿก Why Choose Reliance Financial?
โ€ข Consistently lower rates
โ€ข Fast, transparent closings
โ€ข Expert guidance for every step of your homeownership journey

Rate Assumptions: 740+ credit score, $400K+ conforming loan or $850K+ high-balance loan, 60% or lower Loan-To-Value (LTV).

Address

11501 Dublin Boulevard
Dublin, CA
94568

Opening Hours

Monday 8am - 8pm
Tuesday 8am - 8pm
Wednesday 8am - 8pm
Thursday 8am - 8pm
Friday 8am - 8pm
Saturday 8am - 8pm
Sunday 8am - 8pm

Telephone

+18889735346

Website

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