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Reliance Financial

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Reliance Financial

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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.

🏡 We are Powering Homeownership across America. 🇺🇸 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 closing-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.

10/14/2026

Your pre-approval hasn’t expired.
But have the numbers changed?

Today’s inflation report showed core consumer prices rose 0.3% in September, while overall prices were 3.7% higher than a year ago. Treasury yields rose immediately after the release, putting upward pressure on mortgage pricing.

If your rate isn’t locked, the numbers behind your pre-approval may need a refresh.

Before submitting an offer, check:

🏡 Your total monthly payment, including the home’s taxes, insurance and HOA dues.

💰 Your cash to close, including current points, lender credits and closing costs.

📋 Whether your lender still supports that specific offer under current financing assumptions.

This doesn’t mean your pre-approval is invalid. It means your next decision deserves updated numbers.

Found a home? Request a Pre-Offer Financing Review from Reliance Financial. We’ll review your estimated payment, cash to close and financing assumptions so you and your Realtor can move forward with clarity.

📞 (888) 973-5346
🌐 RelianceFinancial.com

Save this before your next offer, or share it with someone actively house hunting.

Sources: BLS, September 2026 CPI; Reuters, October 14, 2026. Market commentary reflects the initial reaction; pricing can change intraday.

Pre-approval is subject to verification, underwriting and property approval. An estimated rate is not a rate lock. Loan terms and availability may change.

Equal Housing Opportunity | NMLS ID 309198

10/13/2026

You’ve built equity. What comes next?

A new home? Retirement? More financial flexibility?

On October 9, 2026, the Federal Reserve released its 2025 Survey of Consumer Finances. Families headed by someone 75 or older now have the highest median net worth of any age group: approximately $505,000, up 37% since 2022.

These inflation-adjusted figures measure total family net worth, not just home equity.

For homeowners with substantial equity, the question is personal: how does your home fit into your next chapter?

At Reliance Financial, we help you explore:

☑️ HELOCs and home equity loans that may let you retain your existing first mortgage.
☑️ Financing for your next home while considering the cash reserves you want to keep.
☑️ Reverse mortgage options for eligible older homeowners.
☑️ Keeping your equity untouched when that best fits your goals.

Equity is an asset. Accessing it should serve a purpose.

Call our team to schedule a mortgage and home equity review. Let’s explore the options that fit your plans.

📞 (888) 973-5346
🌐 RelianceFinancial.com

Loans are subject to eligibility and terms. Borrowing against your home carries costs and foreclosure risk. Reverse mortgage borrowers must meet property tax, insurance, maintenance and other loan obligations.

Source: Federal Reserve, 2025 Survey of Consumer Finances.

NMLS ID 309198 | Equal Housing Opportunity

10/12/2026

🏠 Should you put your homebuying plans on hold until mortgage rates reach 6%?

There’s no one-size-fits-all answer.

The Mortgage Bankers Association’s latest forecast suggests 30-year mortgage rates could stay above 7% through 2027.

That doesn’t mean rates can’t fall sooner. Forecasts change.
But it does mean buyers may benefit from exploring strategies beyond simply waiting.

For example:

🏡 Negotiating seller credits may help with eligible closing costs.

💰 A temporary mortgage buydown may reduce your initial payments, although the payment increases after the buydown period.

📋 Comparing loan options can help you understand both monthly payments and long-term borrowing costs.

❤️ Most importantly, choosing a payment that fits your household budget matters more than trying to predict the perfect time to buy.

Whether you’re ready to purchase or still planning, understanding your options is a valuable first step.
Let’s talk about your homeownership goals.
Financial

📞 (888) 973-5346
🌐 RelianceFinancial.com

NMLS #309198 | Equal Housing Opportunity

Source: MBA 2027 outlook, reported October 2026. Forecasts are not guarantees; loan terms and eligibility vary.

10/12/2026

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗠𝗮𝗿𝗸𝗲𝘁𝘀 𝗶𝗻 𝗮 𝗠𝗶𝗻𝘂𝘁𝗲 | 𝗢𝗰𝘁𝗼𝗯𝗲𝗿 𝟭𝟮–𝟭𝟲, 𝟮𝟬𝟮𝟲

Inflation Takes Center Stage. Mortgage Rates Face Another Critical Test.

Mortgage rates moved higher last week, with Freddie Mac's 30-year fixed-rate average climbing to 7.40%, up from 7.28% the previous week.
Now, two major inflation reports could determine where rates head next.

𝗧𝗵𝗿𝗲𝗲 𝗧𝗵𝗶𝗻𝗴𝘀 𝘁𝗼 𝗪𝗮𝘁𝗰𝗵 𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸

📊 Wednesday, October 14 | Consumer Inflation (CPI)
A hotter-than-expected reading could push Treasury yields and mortgage rates higher. Softer inflation could provide some relief.

📊 Thursday, October 15 | Producer Inflation (PPI)
Wholesale inflation offers another important signal about underlying price pressures. Retail sales and jobless claims also arrive Thursday.

🏦 October 27–28 | Federal Reserve Meeting
This week's inflation reports could influence expectations ahead of the Fed's next policy decision.

𝗪𝗵𝗮𝘁 𝗗𝗼𝗲𝘀 𝗧𝗵𝗶𝘀 𝗠𝗲𝗮𝗻 𝗳𝗼𝗿 𝗛𝗼𝗺𝗲𝗯𝘂𝘆𝗲𝗿𝘀?

For homebuyers, you have specific advantages in this market:

✓ Negotiating power: More sellers are offering concessions, creating opportunities to negotiate closing costs or temporary rate buydowns.

✓ Financing flexibility: Compare fixed-rate mortgages, adjustable-rate options, and lender-credit structures to find the right fit.

✓ Move-up opportunities: Bridge financing and home equity solutions may help existing homeowners purchase before selling.

𝗧𝗵𝗲 𝗕𝗼𝘁𝘁𝗼𝗺 𝗟𝗶𝗻𝗲

You cannot control the direction of interest rates. But you can control how you prepare, negotiate, and structure your financing.
The smartest move isn't necessarily waiting for the perfect rate. It's understanding your options and making the numbers work for you.

At Reliance Financial ®, we combine smart technology with experienced mortgage guidance to help you evaluate those options with confidence.

Questions about buying, refinancing, or your financing strategy? Let's talk.

RelianceFinancial.com
(888) 973-5346

Reliance Financial | Powering Homeownership
NMLS #309198 | Equal Housing Lender

Market averages are informational and are not a Reliance Financial rate quote. Rates and loan terms depend on borrower qualifications and program requirements.

10/09/2026

𝐂𝐚𝐥𝐢𝐟𝐨𝐫𝐧𝐢𝐚’𝐬 𝐍𝐞𝐰 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐋𝐚𝐰 𝐂𝐨𝐮𝐥𝐝 𝐂𝐡𝐚𝐧𝐠𝐞 𝐖𝐡𝐚𝐭 𝐇𝐚𝐩𝐩𝐞𝐧𝐬 𝐭𝐨 𝐘𝐨𝐮𝐫 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐀𝐟𝐭𝐞𝐫 𝐃𝐢𝐯𝐨𝐫𝐜𝐞

Divorce can bring difficult financial decisions, especially when one spouse wants to keep the family home.

California’s AB 3100 introduces an important change.

Starting January 1, 2027, qualifying new conventional mortgages must include provisions allowing an eligible borrower to assume the existing mortgage following divorce or legal separation, subject to lender qualification.

Why does this matter?

An eligible homeowner may be able to retain the existing mortgage and its terms rather than replace the loan.

But keeping the mortgage is only part of the equation.

Three questions matter:
1️⃣ Can you qualify on your own income?
2️⃣ Is there enough equity to fund a buyout?
3️⃣ Will the full housing payment fit your budget?

The rate is an input. Not a strategy.

At Reliance Financial, we believe major financial decisions deserve more than a rate comparison. They require a thoughtful mortgage strategy.

📩 Comment “BUYOUT” to request a complimentary preliminary mortgage review. We’ll help you explore your potential payment, financing options, and qualification considerations.

Know a family-law attorney, Realtor, or someone navigating a property settlement? Share this with them.

Reliance Financial ® | NMLS #309198
(888) 973-5346 | RelianceFinancial.com

Equal Housing Opportunity

AB 3100 applies to qualifying new conventional mortgages originated January 1, 2027, or later. Mortgage assumption requires lender qualification and does not automatically release another borrower from liability. Financing subject to approval. Not legal or tax advice; consult your attorney regarding property settlements.

10/08/2026

🏡 YOUR FIRST HOME MAY NOT LOOK LIKE WHAT YOU IMAGINED. AND THAT COULD BE A GOOD THING.

Still searching for the perfect starter home?

You might be overlooking some of your best opportunities.

📊 The American starter home is changing.

According to Realtor.com research, condos and townhomes accounted for:

18.0% of starter-priced homes in 2019.
27.1% in 2026.

That’s a significant shift in just seven years.

💡 Here’s what that means for you:

Your first home doesn’t have to be a traditional single-family house.

It could be a townhome. A condo. Or a home in a neighborhood you haven’t considered.

The key isn’t just finding the right property. It’s understanding what you can comfortably afford and how to finance it.

At .Financial, we help first-time buyers explore financing options, understand their purchasing power, and move forward with confidence.

👉 Ready to explore your options? Tap the link in our bio to get started.

🌐 RelianceFinancial.com
📞 (888) 973-5346

Source: Realtor.com Economic Research, October 2026. Statistics reflect the share of starter-priced listings, not affordability for every buyer. Financing subject to eligibility and approval.

Reliance Financial | NMLS ID 309198 | Equal Housing Lender

10/07/2026

📉 𝗠𝗢𝗥𝗧𝗚𝗔𝗚𝗘 𝗥𝗔𝗧𝗘𝗦 𝗨𝗣𝗗𝗔𝗧𝗘 - Wednesday, October 7, 2026

Homebuyers & Homeowners! Mortgage rates are slightly higher today. According to Mortgage News Daily, the national average 30-year fixed rate is 7.63%.

💡 At Reliance Financial, we’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.

✅ Compare. Save. Close fast.
📞 Call (888) 9-RELFIN
🌐 Visit www.RelianceFinancial.com

🏡 Why Choose Reliance Financial?
• Consistently lower rates
• Fast, transparent closings
• 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).

10/06/2026

𝗔 𝗹𝗼𝘄𝗲𝗿 𝘀𝘁𝗮𝗿𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲 𝗰𝗮𝗻 𝗺𝗲𝗮𝗻 𝗮 𝗹𝗼𝘄𝗲𝗿 𝗽𝗮𝘆𝗺𝗲𝗻𝘁. 𝗕𝘂𝘁 𝘄𝗵𝗮𝘁’𝘀 𝘁𝗵𝗲 𝘁𝗿𝗮𝗱𝗲-𝗼𝗳𝗳?

Mortgage News Daily’s October 5 index:
30-year fixed: 7.61%
7/6 ARM: 6.87%

On a hypothetical $500,000 loan with 30-year amortization, that’s approximately $251 less per month in principal and interest during the ARM’s initial fixed period.

But don’t stop at the starting rate.

Before considering an ARM, ask:
• How long will I keep this home or loan?
• When can the rate adjust, and by how much?
• Could I handle a higher payment later?
• How do fees and total costs compare?

𝗗𝗼𝗻’𝘁 𝗷𝘂𝘀𝘁 𝗰𝗼𝗺𝗽𝗮𝗿𝗲 𝗿𝗮𝘁𝗲𝘀. 𝗖𝗼𝗺𝗽𝗮𝗿𝗲 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝗶𝗲𝘀.

At Reliance Financial, we help you compare loan options around your goals, timeline and budget. Let’s find the right strategy for you.

(888) 973-5346
RelianceFinancial.com
NMLS ID 309198 | Equal Housing Opportunity

Illustration only; not a rate quote. Source: MND index, October 5, 2026. Payments assume a $500,000 loan with 30-year amortization and exclude taxes, insurance, mortgage insurance and fees. Actual rates, payments and eligibility vary. ARM rates and payments may increase after the initial fixed period.

10/05/2026

𝗕𝗮𝗱 𝗷𝗼𝗯𝘀 𝗻𝗲𝘄𝘀 𝘂𝘀𝘂𝗮𝗹𝗹𝘆 𝗺𝗲𝗮𝗻𝘀 𝗹𝗼𝘄𝗲𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗿𝗮𝘁𝗲𝘀. 𝗡𝗼𝘁 𝘁𝗵𝗶𝘀 𝘁𝗶𝗺𝗲. 📈

September added just 29,000 jobs and unemployment rose to 4.2%. Rates climbed anyway, with the 30-year fixed reaching 7.28%.

Why? A global bond selloff pushed longer-term Treasury yields to multi-year highs, keeping pressure on mortgage rates.

𝗕𝘂𝘁 𝗵𝗲𝗿𝗲’𝘀 𝘄𝗵𝗮𝘁 𝗵𝗼𝗺𝗲𝗯𝘂𝘆𝗲𝗿𝘀 𝘀𝗵𝗼𝘂𝗹𝗱𝗻’𝘁 𝗺𝗶𝘀𝘀:

𝗕𝘂𝘆𝗲𝗿𝘀 𝗵𝗮𝘃𝗲 𝗹𝗲𝘃𝗲𝗿𝗮𝗴𝗲 𝗮𝗴𝗮𝗶𝗻. 🏡

Recent Redfin data showed 46% of U.S. home sales included seller concessions. That can mean room to negotiate:

✓ Purchase price
✓ Seller credits toward closing costs
✓ Temporary rate buydowns

𝗧𝗵𝗲 𝗯𝗲𝘀𝘁 𝗱𝗲𝗮𝗹 𝗶𝘀𝗻’𝘁 𝗮𝗹𝘄𝗮𝘆𝘀 𝘁𝗵𝗲 𝗹𝗼𝘄𝗲𝘀𝘁 𝗿𝗮𝘁𝗲. 𝗜𝘁’𝘀 𝘁𝗵𝗲 𝗯𝗲𝘀𝘁 𝗼𝘃𝗲𝗿𝗮𝗹𝗹 𝘀𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲.

Before deciding to wait for rates, find out what today’s market could actually look like for you.

📲 𝗪𝗮𝗻𝘁 𝘁𝗼 𝗿𝘂𝗻 𝘁𝗵𝗲 𝗻𝘂𝗺𝗯𝗲𝗿𝘀?
Message us or visit RelianceFinancial.com.

𝗥𝗲𝗹𝗶𝗮𝗻𝗰𝗲 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹
Powering Homeownership. 🏡

NMLS ID 309198 | Equal Housing Opportunity

10/05/2026

📉 𝗠𝗢𝗥𝗧𝗚𝗔𝗚𝗘 𝗥𝗔𝗧𝗘𝗦 𝗨𝗣𝗗𝗔𝗧𝗘 - Monday, October 5, 2026

Homebuyers & Homeowners! Mortgage rates are slightly higher today. According to Mortgage News Daily, the national average 30-year fixed rate is 7.51%.

💡 At Reliance Financial, we’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.

✅ Compare. Save. Close fast.
📞 Call (888) 9-RELFIN
🌐 Visit www.RelianceFinancial.com

🏡 Why Choose Reliance Financial?
• Consistently lower rates
• Fast, transparent closings
• 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

http://reliancefinancial.com/

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