Loans By Ivan - Loan Officer Ivan Vranjes

08/28/2026

06/06/2026

This is why the rates are up right now and the market is looking at rate hikes by the fed. Economy is doing well and job market is strong.

05/28/2026

🏦 MARKET PULSE — May 28, 2026

Today’s economic data paints a concerning picture for housing affordability.

1/ The personal saving rate just hit its lowest level since June 2022. Americans are spending — but the financial cushion is shrinking fast.

2/ The Atlanta Fed’s GDPNow model cut its Q2 growth estimate to 3.8%, down from 4.3%. Growth is still positive, but momentum is fading.

3/ New home sales missed badly in April — 622K actual vs. 665K expected. Demand is softening, but supply constraints keep prices elevated.

4/ Core PCE inflation held at 3.3% annually. Still well above the Fed’s 2% target — and bond markets are already pricing in a more stubborn inflation story.

5/ Fed Governor Cook made it clear this morning: rate hikes are still on the table if inflation lingers.

Bottom line: Don’t hold your breath for mortgage rate relief in 2026. The data doesn’t support it.

05/08/2026

Here’s the straight snapshot for today, May 8, 2026:
Today’s rates (national averages):
Freddie Mac’s official May 8 weekly report puts the 30-year fixed at 6.37%.  The 30-year refi rate is 6.54% and the 15-year refi is 5.58%. 
NerdWallet’s afternoon update shows the 30-year at 6.26% APR, the 15-year at 5.69% APR, and the 5-year ARM at 6.5% APR — all up slightly from yesterday. 
The day’s story: Upward pressure is coming from the 10-year Treasury yield rising to 4.414%, plus WTI crude oil jumping to $95.11/barrel — both stoking inflation concerns. 
Next week’s inflation reading from the Bureau of Labor Statistics could be a catalyst for rates to move lower — that’s the next big thing to watch. 
The next Fed meeting is June 16–17 — no cuts expected before then.
In short: rates are essentially flat to slightly up today, stuck in the 6.2–6.5% range depending on the lender and loan type. Not much movement, but the direction of pressure is still upward for now.

12/17/2025

🏡 Is real estate a good investment?
Short answer: Yes — when done right.

Real estate offers long-term appreciation, monthly cash flow, tax advantages, and protection against inflation. It’s one of the few investments where you can build wealth while others help pay down your asset.

The key?
📍 Buy in the right location
📊 Run the numbers
⏳ Think long-term

Wealth isn’t built overnight — it’s built one smart property at a time.

12/16/2025

🎄 10 Things to Do in Newport Beach for Christmas:
1. Watch the Newport Beach Christmas Boat Parade
2. Take a Holiday Lights Harbor Cruise
3. Visit the Fire & Lights Festival at Newport Dunes
4. Walk Balboa Island to See Christmas Lights & Decor
5. Attend the Balboa Island Holiday Home Walking Tour
6. Take Photos with Santa at Newport Dunes
7. Enjoy a Winter Stroll at Sherman Library & Gardens
8. Shop & Dine at Fashion Island’s Holiday Village
9. Catch a Holiday Show at Newport Theatre Arts Center
10. Grab Festive Drinks or Dinner at a Local Newport Bar or Restaurant