Effective Mortgage Company- Team Vaziri

11/03/2026

Rates held steady to start November — and in Sherman Oaks, buyers are still finding room below asking. 🏡
Daily Market Report — Monday, November 2, 2026:
30-year fixed: 7.28% (unchanged from 7.28% Friday, Bankrate, Nov. 2, 2026)
15-year fixed: 6.72% (up 0.02 from 6.70% Friday)
Sherman Oaks, Sept. 2026: median sale $1,448,750 • $825/sq ft • 98.3% of asking price
What this means: a flat rate is not a reason to wait — and with Sherman Oaks homes selling just below asking, comparing at least three lenders can matter as much as timing the market.
Community: Monday in Los Angeles is mostly sunny, high 75°F, low 52°F, with sunset at 4:59 p.m. — the first Monday after clocks fell back (weather.com, Nov. 2, 2026).
Rates are averages and vary by credit, down payment, and lender — this is not a rate quote.
Thinking of buying, selling, or refinancing? Message me or call 818-773-0033 — let's talk today!
www.EffectiveMortgage.com
Bijan R. Vaziri | Effective Mortgage Co. | 8535 Reseda Blvd, Suite 100, Northridge, CA 91324

10/30/2026

Rates dipped — and in Porter Ranch, homes are still selling at 99.3% of asking. Now is the time, not someday! 🏡
Daily Market Report — Friday, October 30, 2026:
30-year fixed: 7.28% (down 0.03 from 7.31% yesterday, Bankrate, Oct. 30, 2026, 6:30 AM)
15-year fixed: 6.70% (unchanged from yesterday)
Porter Ranch, Sept. 2026: median sale $1,192,500 • $531/sq ft • 30 sales at 99.3% of asking price
What this means: even a small dip helps, and Porter Ranch sellers are still getting close to asking — if you have been waiting for a sign, this is a good moment to run your numbers.
Community: Halloween weekend heads-up — rain is expected Saturday night into Sunday in Los Angeles, and clocks fall back 1 hour at 2 a.m. Sunday, Nov. 1, so sunset comes around 5 p.m. Sunday.
Rates are averages and vary by credit, down payment, and lender — this is not a rate quote.
Thinking of buying, selling, or refinancing? Message me or call 818-773-0033 — let's talk today!
www.EffectiveMortgage.com

10/29/2026

The Fed held — and mortgage rates held steady. Now the new growth and inflation numbers are in! 🏡
Daily Market Report — Thursday, October 29, 2026:
30-year fixed: 7.31% (unchanged from yesterday, Bankrate, Oct. 29, 2026, 6:30 AM)
15-year fixed: 6.70% (down 0.02 from 6.72%)
Northridge, Sept. 2026: median sale $1,085,000
San Fernando Valley, Sept. 2026: median home $1,101,000, down 4.3% YoY
Fed reaction: the Fed held the funds rate at 3.75% to 4.00% on Oct. 28, 10-2, with two favoring a hike. The Fed funds rate is not a mortgage rate.
This morning: Q3 GDP +3.4% annualized (BEA, up from 2.2% in Q2); September PCE inflation 3.6% year over year, core PCE 3.1%.
Rates are averages and vary by credit, down payment, and lender — this is not a rate quote.
Buying, selling, or refinancing? You're not behind — you're right on time! Message me or call 818-773-0033 — let's talk today!
www.EffectiveMortgage.com
Bijan R. Vaziri | Effective Mortgage Co. | 8535 Reseda Blvd, Suite 100, Northridge, CA 91324

10/29/2026

Rates are DOWN — and buyers are waking up before the Fed speaks! 🏡
Daily Market Report — Wednesday, October 28, 2026:
30-year fixed: 7.31% (down 0.07 from 7.38% yesterday, Bankrate, Oct. 28, 2026)
15-year fixed: 6.72% (down 0.07 from 6.79%)
Northridge, Sept. 2026: median sale $1,085,000
San Fernando Valley, Sept. 2026: median home $1,101,000, down 4.3% year over year
Pre-Fed check: mortgage applications rose 3.4% last week (MBA, week ending Oct. 23, 2026), with purchase applications up 4%. The Fed announces its decision today at 11:00 AM Pacific, after this report — and the Fed funds rate is not a mortgage rate.
Rates are averages and vary by credit, down payment, and lender — this is not a rate quote.
Are you buying, selling, or refinancing? You're not behind — you're right on time! Message me or call 818-773-0033 — let's talk about your move, today!
www.EffectiveMortgage.com
Bijan R. Vaziri | Effective Mortgage Co. | 8535 Reseda Blvd, Suite 100, Northridge, CA 91324

10/27/2026

Rates ticked UP today — but confidence is back! Daily Market Report — Tuesday, October 27, 2026: 30-year fixed: 7.38% (up 0.02 from 7.36% yesterday, Bankrate, Oct. 27, 2026, 6:30 AM). 15-year fixed: 6.79%. Northridge, Sept. 2026: median sale $1,085,000. San Fernando Valley, Sept. 2026: median home $1,101,000, down 4.3% year over year. This morning: Case-Shiller 20-city +2.7% YoY in August; September new home sales 676,000 pace, median $400,400; October consumer confidence 91.7, up from 84.2. Rates are averages and vary by credit, down payment, and lender — this is not a rate quote. Buying, selling, or refinancing? Message me or call 818-773-0033! www.EffectiveMortgage.com

10/27/2026

10/27/2026

STOP waiting for someday — today is the day to make it spectacular! 🏡
Monday, October 26, 2026 market update:
30-year fixed: 7.36% (down 0.10 from 7.46% last week, Bankrate, Oct. 26, 2026, 6:30 AM)
15-year fixed: 6.77%
San Fernando Valley, Sept. 2026: median home $1,101,000, down 4.3% year over year; condos median $638,000, up 7.4% — Southland Regional Association of Realtors.
Rates are averages and vary by credit, down payment, and lender — this is not a rate quote.
Are you buying, selling, or refinancing while rates move? Message me or call 818-773-0033 — let's make it spectacular, today, not someday!
www.EffectiveMortgage.com
Bijan R. Vaziri | Effective Mortgage Co. | 8535 Reseda Blvd, Suite 100, Northridge, CA 91324

10/25/2026

COMMERCIAL SPACE FOR LEASE — INGLEWOOD ✨

📍 8455 S Van Ness Ave, Inglewood, CA
Prime location, minutes from SoFi Stadium & Kia Forum!

Approximately 1,000 SF — existing commercial kitchen, hood ventilation, plumbing, service counters, display shelving, and prep areas already in place.

💰 $2,500/month • 📐 ~1,000 SF
✓ Commercial hood • ✓ Plumbing • ✓ Service & display counters
✓ Separate prep & wash areas • ✓ Modern lighting & tile
✓ Move-in ready for food service

Ideal for: Coffee Shop • Bakery • Cake Shop • Dessert Bar • Juice Bar • Catering • Meal Prep • Specialty Food

Minutes from SoFi Stadium, Kia Forum, Intuit Dome, and LAX.

📞 818-642-0808 — Voice messages only
Contact today to schedule a private showing.
🎵 Dreaming Big by Ahjay Stelino

10/25/2026

Weekly Market Update — Oct. 25, 2026
30-year fixed: 7.32%, down from 7.40% last week. 15-year: 6.68%.
Median asking price $396,881, down 0.3% year over year, and inventory is at its highest since 2019.
📍 8535 Reseda Blvd, Suite 100, Northridge, CA 91324
🌐 www.EffectiveMortgage.com
Rates are national averages and vary by credit, down payment, and lender. This isn't a rate quote.

10/22/2026

Small details, big kitchen personality ✨

From classic to modern, cabinet styles can completely change the feel of your space. The door profile, finish, and hardware all help bring your vision to life.

Which style in the video would you choose for your home? Tell me below 👇