LBL Mortgage

12/10/2025

See what our customers are saying about their experience with us during their reverse mortgage transaction.

Another satisfied customer 😁

12/05/2025

Quick heads-up: the Federal Reserve is meeting on December 10–12, 2025, and we might see some movement in interest rates. Nothing is guaranteed yet, but it’s definitely one of those “grab your popcorn and stay tuned” moments in the mortgage world.

I’ll be watching the update closely. If there’s an opportunity for savings—refinance options, dropping mortgage insurance, restructuring your loan, etc.—I’ll reach out to you directly. And of course, if you’ve been wondering whether now is a good time to make a move, ask away. You can always call, text, email, or smoke-signal me (okay, maybe not smoke-signals 😄).

💡 What This Means for You
If rates move lower, it could mean big monthly savings. We can send you a personalized refinance quote in minutes.

All we need is a copy of your most recent mortgage statement. You can:

📱 Text it to 310-427-4797
🌐 Or click here to Application https://lblmtg.my1003app.com/309065/register

We’ve made the process quick, simple, and stress-free. ➜

🎁 Don’t Forget Our Referral Program!
We love when our customers share the word. Ask us about our referral rewards—you could benefit just by helping a friend save money too!

11/10/2025

The 50-Year Mortgage Sounds Nice — Until You Do the Math 💸🏡

There’s been a lot of buzz lately about the 50-year fixed mortgage. On paper, it sounds like a magic solution to housing affordability — smaller payments! easier qualifying! more time!

But before we all start celebrating, let’s look at what “more time” really means. Because 50 years is a long time — like “you’ll still be paying this off when your smartwatch is a family heirloom” long.

🧮 The Math No One Wants to See (But Should Anyway)

Let’s assume a 6.5% interest rate for easy math.

🏠 Loan amount: $300,000

30-year loan: $1,896/month → $682,440 total paid

💰 Interest paid: $382,440

50-year loan: $1,690/month → $1,014,000 total paid

💸 Interest paid: $714,000

Monthly difference: $206 less per month

Extra interest paid: $331,560 more over the life of the loan

That’s basically saving enough for a few dinners out each month — and paying for another house in interest.

🏠 Loan amount: $600,000

30-year loan: $3,792/month → $1,364,880 total paid

💰 Interest paid: $764,880

50-year loan: $3,380/month → $2,028,000 total paid

💸 Interest paid: $1,428,000

Monthly difference: $412 less per month

Extra interest paid: $663,120 more over time

That’s a few hundred bucks saved monthly — in exchange for two extra decades of payments.

🏠 Loan amount: $900,000

30-year loan: $5,688/month → $2,047,320 total paid

💰 Interest paid: $1,147,320

50-year loan: $5,070/month → $3,042,000 total paid

💸 Interest paid: $2,142,000

Monthly difference: $618 less per month

Extra interest paid: $994,680 more

Almost $1 million more in interest — that’s the kind of “savings” that ages like milk.

🕰️ The “Forever Home” Just Got Too Literal

Sure, your monthly payment drops a few hundred bucks. But you’ll also be paying hundreds of thousands (or even millions) more in interest.

And with such a long term, you’ll build home equity about as fast as dial-up internet — which means if you sell or refinance in the next decade, that “savings” disappears faster than your patience at the DMV.

💡 Real Affordability Comes from Smarter Strategies

Stretching your loan to half a century doesn’t fix affordability — it just hides the problem in the fine print.

If you want a real path to homeownership that doesn’t outlive you:
✅ Look for down payment assistance programs
✅ Consider 5- or 7-year ARMs for lower starting rates
✅ Ask about buydowns or non-QM options that fit your income pattern
✅ Or, talk to a lender (like us!) about a plan that makes sense for your timeline — not your grandkids’.

Bottom Line:
A 50-year mortgage is like a financial slow cooker — it’ll get the job done, but only after a very, very long time.

If you want your home to be a place you love — not a loan you regret — there are better ways to get there.

Call-Text-Message LBL Mortgage today to explore smarter loan options, real affordability strategies, and mortgage plans designed for this lifetime. 310-427-4797

09/18/2025

🎉✨ 10 Years. 5 Stars. Endless Gratitude. ✨🎉

LBL Mortgage just hit an incredible milestone – for the past 10 years in business, we’ve proudly maintained a 5-star rating for service! 🌟🌟🌟🌟🌟

This wouldn’t be possible without our amazing customers, referral partners, family, and friends who’ve trusted us with one of life’s biggest decisions. 🏡💙

Here’s to a decade of helping dreams come true—and to the next 10 years of serving our community with the same heart, hustle, and 5-star service you’ve come to expect. 🥂

👉 Drop a ⭐️ in the comments if you’ve been part of our journey—we couldn’t have done it without YOU!

09/17/2025

🎉💸 BREAKING: The Fed Just Dropped Rates! 💸🎉

For some people, it’s those high-interest credit cards 💳😩 eating away at their paycheck.
For others, it’s a mortgage rate that’s higher than you think 🏡💥 holding you back.

Either way, now could be the perfect time to:
✅ Refinance into a lower rate
✅ Consolidate debts into one simple payment
✅ Free up cash and lower your monthly bills 💸✨

Don’t wait—these opportunities won’t stick around.
📲 Call or text us today to see how much you could save!

LBL Mortgage
Lauren Boland, CEO/Broker
NMLS #1381254 | CA DRE Broker # | AZ MB-2008970
📞 310-427-4797 | 🌐 lblmortgage.com

09/16/2025

🎉 Celebrating Our Roots: The Launch of Long Beach Reverse Mortgage 🎉

In 2018, LBL Mortgage proudly expanded its legacy of trust and service by launching Long Beach Reverse Mortgage, a dedicated division created with a single focus: empowering seniors to convert their home equity into meaningful, flexible cash. Since our founding, LBL Mortgage has built its reputation on putting people first—no robots, no gimmicks—treating each client as a unique individual. The creation of Long Beach Reverse Mortgage epitomized that commitment—bringing specialized care and financial empowerment to the senior community. 💙🏡
Led by Broker/Owner Lauren Boland, with over 20 years of mortgage expertise, Long Beach Reverse Mortgage has become known for transparency, education, and dedication to helping seniors stay in the homes they love. By turning equity into income, we’ve been proud to provide financial relief, peace of mind, and freedom for countless seniors and their families. 🙌✨
Today, Long Beach Reverse Mortgage remains a proud part of the LBL Mortgage story—built on trust, experience, and a deep commitment to serving our community. Visit 👉 www.LongBeachReverseMortgage.com to learn more about a reverse mortgage loan and how it could help you—or someone you know!🔑

Visit https://longbeachreversemortgage.com/

09/15/2025

✨ Back to School in Her 40s: How Lauren Boland Invested in Growth ✨

In her 40s, Lauren Boland, CEO and Broker of LBL Mortgage, made a bold decision that would reshape the future of her company—she went back to school. Lauren enrolled in the prestigious Goldman Sachs 10,000 Small Businesses Program, a 3.5-month intensive designed to give entrepreneurs the tools and strategies to grow smarter, stronger businesses.

The program delivered an MBA-style education in finance, marketing, leadership, and growth planning. But the heart of the experience was the 36 other small-business owners in her cohort. Together, they learned, pushed through challenges, and built friendships that Lauren describes as “priceless.”

For Lauren, the impact went far beyond the classroom. She returned to LBL Mortgage with a roadmap for running a more efficient, sustainable, and expansive company. That translates directly to her customers: better systems, smarter strategies, and the ability to deliver an even higher level of service.

The Goldman Sachs 10,000 Small Businesses Program is fully funded, meaning participants pay no tuition, but gain powerful tools, mentorship, and a lifelong network of peers. It’s designed for entrepreneurs ready to scale—and Lauren is proof of the impact it can have.

By investing in herself, Lauren invested in her customers and community—ensuring LBL Mortgage continues to thrive and deliver outstanding service for years to come.

💡 Learn more about the program at 10ksbapply.com

09/13/2025

Anniversary Party! When LBL Mortgage celebrated its 3-year anniversary, it wasn’t just a birthday—it was proof that we defied the odds. With so many small businesses never making it past year one, we pushed through challenges, leaned into our community, and grew stronger than ever. None of this would have been possible without my amazing family, supportive friends, wonderful customers, and trusted real estate partners who believed in me every step of the way. Together, we turned a dream into a thriving reality!

09/12/2025

The Pets of LBL Mortgage: Our Most Loyal Assistants

When people think of LBL Mortgage, they think of loans, houses, and happy homeowners. But behind the scenes, some of our very best assistants have been furry, four-legged, and full of personality.

It all started with Mr. Butters, one of the very first “employees” right alongside Remee McNulty. From the moment we saw him, he was adopted and instantly loved. Mr. Butters quickly became the office greeter, stress reliever, and occasional paper shredder (though usually the shredding wasn’t part of his job description!). He brought a sense of warmth that set the tone for everything we built.

Over the years, more furry teammates joined the staff. Muffin, a sweet little Shih Tzu, was adopted and adored from day one. With age came wisdom… and just a touch of bossiness! Muffin made sure everyone felt cared for—whether it was curling up for a quick nap near the computer or keeping company during those late-night closings. She had a way of reminding us to slow down, stay on track, and maybe even follow her schedule instead of ours.

Today, Titus and Lilly carry on the tradition. Both adopted and instantly part of the family, they’ve stepped into their assistant roles with gusto. Titus loves to shake paws with clients and flash his trademark “toofs” smile, making every meeting a little brighter. Lilly, on the other hand, is pure sunshine—always happy to see anyone, anytime, with a tail wag and endless enthusiasm. Together, they keep us laughing, moving, and remembering that success isn’t just measured in numbers—it’s also measured in paw shakes, grins, and wagging tails.

For the past 10 years, through highs and lows, our pets have been steady co-workers—reminding us that loyalty, love, and companionship are the best benefits any business could ever ask for. And while we’ve been lucky to have our furry assistants, there are thousands of pets across the United States still waiting for a loving home—ready to give just as much joy, loyalty, and unconditional love. 🐾

09/11/2025

lbl_mortgage Some memories live in our hearts forever.
💙

My cousin Sean was in the business printing industry,
and he was so proud when I decided to start LBL. My
whole life, he went out of his way to be a loving cousin,
and we shared a bond that meant so much to me.
Sean used to tell me that when LBL grew, he’d make
me a fancy light-up sign for the lobby. He already had it
all planned out, and he couldn’t wait for the day he’d
get to create it for me.

We lost Sean in July of 2017, and my family—and
I—were forever changed. I still have the very first
banner he made for LBL. Even though it’s worn from
years of use, I’ve had it framed so I can keep it forever.
Every time I see it, I’m reminded of Sean’s love,
encouragement, and the way he always believed in me
when LBL was just a small dream.

I miss him and I’ll never forget him. 💙