Michael Belfor - American Pacific Mortgage MLO: 264700

Michael Belfor - American Pacific Mortgage MLO: 264700 Residential and Commercial Real Estate Lender and Brokerage. NMLS: 264700/1850 DRE: 01878769. AZ BK 0906702 Michael was born and raised in Northern California.

His outstanding report with clients has made him a prominent expert in mortgage banking. As a leader in his industry he has garnered lasting relationships throughout California. Even while possessing a sweeping sum of knowledge and expertise, gaining industry attention and acclaim, he has not forgotten the fundamentals of his field: To ensure the client’s needs, expectations and goals are met and exceeded. Michael is an active team player who firmly understands the importance of achieving results for each and every client, each and every time. Michael’s unequalled skill set brings with it translatable insight and successful transactions. Moreover, he understands the importance of team building and professional partnerships. This is what ensures that each transaction is met with a favorable result for the homeowner. It is this application that has allowed Michael to establish, grow and maintain his successful client relationships. In his spare time Michael serves at his local church as a Sunday school teacher as well as a high school counselor. He has a passion for training and competing in Brazilian Jiu-Jitsu as well as spending time in the gym, hiking and playing team sports. Michael’s Affiliations/Qualifications:
- Certified Green Property Advisor
- FHA 203(k) Certified
-CalHFA MCC Certified
- 2014 Vice Chair of the Marin Association of Realtors Government Affairs Committee
- Founding Member of the Petaluma Young Professionals Network
- Director of Local Leadership Meeting (Novato)
- Former National Association of Hispanic Real Estate Professionals (NAHREP) Member

MLO: 264700
NMLS: 264700/398359/1850
CA BRE: 01878769/01215943
Equal Housing Opportunity
For licensing information, please go to http://nmlsconsumeraccess.org

Licensed by the Department of Financial Protection and Innovation under the CRMLA. DRE:01878769. www.nmlsconsumeraccess.org

Texas: https://anyflip.com/trqc/qclk/
AZ BK 0906702

California says it needs more housing.Walnut Creek may be about to show us what that actually looks like.A former auto r...
09/15/2026

California says it needs more housing.

Walnut Creek may be about to show us what that actually looks like.

A former auto repair site in downtown Walnut Creek has been approved for a new development with:

104 homes.
14 affordable units.
8 stories.
Retail downstairs.
BART nearby.

And here’s the interesting part:

The city hadn’t originally planned for a building this tall.

California housing law changed the math.

Because the project includes affordable housing, it can exceed the local height restrictions and move forward under state housing rules.

That’s a pretty dramatic shift in how California grows.

For decades, a lot of our communities expanded outward.

Now we’re increasingly asking:

What if we build UP instead?

Especially on commercial land near downtowns, jobs, restaurants and transit.

Maybe California’s next generation of starter homes won’t always have a driveway and backyard.

Maybe they’ll be smaller, denser, walkable and five minutes from a train.

So I’m curious…

Would you live here?

YES — or I WANT A HOUSE?




NMLS # 264700

Buyers finally got what they’ve been asking for:More homes to choose from.And then… they stopped buying. 😂Inventory is a...
09/14/2026

Buyers finally got what they’ve been asking for:

More homes to choose from.

And then… they stopped buying. 😂

Inventory is at its highest level nationally in years, while home sales have slowed dramatically.

So where did the buyers go?

Prices. Rates. Payments.

That’s the strange part about this market.

More inventory should mean opportunity. And in many markets, buyers absolutely have more negotiating power than they did a few years ago.

But a house can sit longer, the seller can negotiate, and the buyer can still look at the monthly payment and say:

“Nope.”

California makes that tension even more obvious. The median-priced home remains out of reach for a huge percentage of households.

So I wouldn’t call this a normal buyer’s market.

It’s more like:

More choices.
More negotiating power.
Still brutally expensive.

And that creates an interesting question:

If the seller finally cut the price enough…

Would you buy right now?

YES — or STILL TOO EXPENSIVE?




NMLS # 264700

If you grew up in California in the ’80s, ’90s or early 2000s… you know this house. 😂Your parents somehow bought it on o...
09/13/2026

If you grew up in California in the ’80s, ’90s or early 2000s… you know this house. 😂

Your parents somehow bought it on one income.

The garage had everything except a car.

There was a second refrigerator that contained drinks nobody was allowed to touch.

Christmas decorations lived in plastic bins for 11 months.

Bikes were everywhere.

Dad had approximately 700 tools, yet somehow could never find the one he needed.

And then came the family computer…

“GET OFF THE INTERNET! I NEED THE PHONE!”

😂😂😂

We rode bikes until the streetlights came on, drank from the hose, knew which houses had the good snacks, and somehow survived without our parents tracking our location every 30 seconds.

At the time, none of it felt special.

It was just childhood.

Looking back now?

We had no idea we were growing up during a completely different era of California housing.

The houses weren’t huge.

The kitchens weren’t Instagram-worthy.

Nobody cared about quartz countertops.

But somehow there was a house, a backyard, a neighborhood full of kids…and maybe even enough money left over for Disneyland.

What’s ONE thing from the California house you grew up in that your kids would never understand?




NMLS # 264700

California may be about to try something pretty wild with homeownership.Up to 17% of the purchase price.Proposition 37 i...
09/11/2026

California may be about to try something pretty wild with homeownership.

Up to 17% of the purchase price.

Proposition 37 is headed to California voters this November. If approved, it would authorize up to $25 billion in revenue bonds to create a new middle-class homeownership loan program.

Here’s the basic idea:

You bring at least 3%.

The program could provide a loan of up to 17%.

Potentially getting you to 20% toward the purchase.

But there’s an important distinction:

This is NOT free money.

It’s a loan that has to be repaid.

There are also income, residency, occupancy and property requirements — and the program is aimed at qualifying newly constructed homes and certain first-sale converted properties, not simply every house on Zillow.

And THAT is what makes this proposal especially interesting to me.

California has an affordability problem.

So what helps more?

Give qualified buyers more purchasing power?

Or…

Build enough housing that buyers don’t need this much help in the first place?

There’s an argument that adding buyer assistance without adding supply can simply create more competition for the same homes.

But Prop 37 attempts to connect the assistance to new housing, which changes the conversation.

Maybe the answer isn’t one or the other.

Maybe it’s both.

California voters get to decide in November.

What do you think?

SMART IDEA — or does California need to focus on building more homes instead?




NMLS # 264700

Homeownership is one of life’s biggest milestones.Whether it’s a first home, moving up to a home that fits your growing ...
09/10/2026

Homeownership is one of life’s biggest milestones.

Whether it’s a first home, moving up to a home that fits your growing family, downsizing, relocating, or starting a new chapter, I’m grateful to help my clients and community navigate those important moments with confidence.

Thank you to my clients, referral partners, and local community for trusting me to be part of your journey.
https://myoc.io/



NMLS # 264700

San Francisco says it needs more housing.This project took 25 years to get moving.Candlestick Point — the former home of...
09/10/2026

San Francisco says it needs more housing.

This project took 25 years to get moving.

Candlestick Point — the former home of the 49ers and Giants — is finally entering a new chapter.

The larger redevelopment is planned to eventually include:

7,200 homes
2.8 million sq. ft. of office space
Parks and open space
Retail
A hotel
New streets and transit infrastructure

The first infrastructure phase is expected to prepare seven blocks supporting roughly 700 homes, with about 41% planned as affordable housing.

That’s a lot of housing.

But the number I can’t get past is:

25 YEARS.

To be fair, this wasn’t simply government sitting around doing nothing.

There were environmental issues. Infrastructure challenges. Financing. Economic cycles. The pandemic. And the enormous complexity of essentially creating a new neighborhood.

Still…

California has spent years talking about its housing shortage.

Maybe one of our biggest housing problems isn’t simply what we’re willing to build.

It’s how long it takes us to actually build it.

And for anyone who remembers Candlestick Park — the 49ers, Giants, wind, fog and absolute chaos 😂 — it’s pretty wild to imagine 7,200 homes eventually sitting there.

What do you think?

Worth the wait — or is 25 years completely insane?




NMLS # 264700

09/09/2026

I know this one firsthand.

I’m incredibly blessed with a 4-year-old, a 2-year-old and a newborn. I love being a dad. I spent 10 years working in kids ministry, and my heart has always been for kids, family and community.

So this is NOT me saying, “Don’t have kids.”

Quite the opposite.

But can we also just be real?

Kids are expensive.

Childcare. Preschool. Food. Clothes. Activities. Medical expenses. Birthday parties. The random Amazon order because somebody suddenly needs something for school tomorrow.

And all of that is happening while families are also dealing with some of the highest housing costs in the country.

That’s why budgeting matters so much.

Not because you shouldn’t enjoy your money.

Not because having children is a financial mistake.

But because a good budget gives you the freedom to spend money on the people and things you actually love without constantly wondering where it all went.

I’ve lived this stuff. I’ve studied it. And I even wrote a book about it called Fearless Money.

If you want a FREE copy of my budgeting booklet, shoot me a DM and just write “BUDGET.”

And if you’d like a copy of Fearless Money, message me “BOOK” and I’ll send you the details.

Parents — what expense surprised you the most after having kids?

Follow me for more about California, housing, money, family and adulthood.

NMLS # 264700

A California house can be three completely different things depending on who’s looking at it.To a local family, it’s hom...
09/09/2026

A California house can be three completely different things depending on who’s looking at it.

To a local family, it’s home.

To a second-home buyer, it’s weekends at the beach.

To an investor, it might be 365 potential nightly rates.

And in some of California’s most desirable coastal and vacation communities, all three can be competing for the exact same property.

San Diego alone has roughly 18,862 active short-term-rental listings, according to AirDNA’s August 2026 data. About 90% are entire-home listings, and active supply was up 8.3% year over year.

That doesn’t mean Airbnb caused California’s housing crisis.

It didn’t.

California has spent decades not building enough housing, and short-term rentals are only one piece of a much bigger affordability problem.

But when housing is already scarce, every additional use competes for that limited supply:

A place to live.
A vacation home.
A rental property.
A short-term rental.
An investment.

And there are legitimate arguments on every side.

Short-term rentals support tourism and local businesses. Property owners should have rights over how they use their property. Second homes aren’t inherently bad.

But communities also need enough housing for the teachers, firefighters, restaurant workers, young families and everyone else who actually lives there year-round.

That’s what makes this conversation so interesting.

Who should California’s most desirable homes be for?

People who live there?
People who vacation there?
People who invest there?

Or all three?

Where would YOU draw the line?




NMLS # 264700

09/08/2026

Your tax returns say one thing. Your income story may say another. 👀
Self-employed? Freelancer? Gig worker? Independent contractor? Traditional income documentation doesn’t always capture the full picture.
The good news? Your tax returns may not be the only way to tell your income story.
Bank statement loan options can give qualified borrowers another way to document income.
Let's connect to explore your options!
https://myoc.io/



NMLS # 264700

Your parents’ house might end up being one of the biggest financial assets your family ever owns.And that’s going to cre...
09/08/2026

Your parents’ house might end up being one of the biggest financial assets your family ever owns.

And that’s going to create a fascinating — and uncomfortable — divide over the next few decades.

We’re entering what’s often called the Great Wealth Transfer, as trillions of dollars in assets eventually move from older Americans to younger generations.

But here’s what gets overlooked:

A lot of that wealth isn’t sitting in a bank account.

It’s sitting in houses.

Especially in California.

A home purchased decades ago may now represent an enormous amount of family equity. And when that property eventually passes to the next generation, they’re not simply inheriting a house.

They’re inheriting:

Equity.
Property.
Tax questions.
Maintenance.
Possibly siblings who own it with them.
And one very big decision:

Keep it, rent it, sell it — or buy someone else out?

Meanwhile, another household the exact same age may receive no inherited housing wealth at all and face today’s California housing market entirely on their own.

That’s why I think one of the next big housing divides may increasingly be:

People who inherit housing wealth vs. people who don’t.

And inheriting a California house isn’t automatically a financial lottery ticket either. Prop 19, property taxes, capital gains considerations, existing debt and family dynamics can make the decision surprisingly complicated.

We’re going to be talking about this a LOT more over the next decade.

So I’m curious:

If you inherited a California house tomorrow, would you KEEP IT, RENT IT or SELL IT?


NMLS # 264700

Address

30011 Ivy Glenn
Laguna Niguel, CA
92677

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