Mark Smith Home Loans

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Mark Smith Home Loans Purchase and Refinance Real Estate Loans from Mark Smith of Victoria Capital. Expert Advice. Responsive Service. Fast Turn Times. Expansive Product Selection.

Mark is an Experienced and Top Producing Loan Agent based in Los Gatos but serving homeowners throughout California since 2003. Great Rates. Home Refinance, Purchase, FHA, VA, Home Equity, Debt Consolidation

$80M and 180+ Loans Closed in 2016.

w/e 10/9/2026: Rates Higher Than Last Update Despite End of Week Improvements
10/12/2026

w/e 10/9/2026: Rates Higher Than Last Update Despite End of Week Improvements

Mortgage rates moved higher again this week, reaching their highest levels since February 2025. The increase reflects surging fuel prices amid escalating conflict in Iran and a hotter‑than‑expected PPI reading, both of which added fresh inflation pressure and pushed borrowing costs upward. Ma...

w/e 9/25/26: Rates Hit 7% and Higher.
09/27/2026

w/e 9/25/26: Rates Hit 7% and Higher.

Mortgage rates moved higher again this week, reaching their highest levels since February 2025. The increase reflects surging fuel prices amid escalating conflict in Iran and a hotter‑than‑expected PPI reading, both of which added fresh inflation pressure and pushed borrowing costs upward. Ma...

w/e 7/3/26: Rates Steady with Just Minor Fluctuations
07/06/2026

w/e 7/3/26: Rates Steady with Just Minor Fluctuations

Rates have stayed largely stable over the past two weeks, with only routine daily movement. Even the June employment report — typically a catalyst for rate shifts — didn’t spark much reaction. With a shortened trading week, markets may not have had enough time to fully digest the data.

w/e 6/5/26: Strong Jobs Report Spoils Prior Rate Improvements.
06/08/2026

w/e 6/5/26: Strong Jobs Report Spoils Prior Rate Improvements.

Rates touched nine-month highs earlier this week to levels not seen since July 2025. They have increased 0.75% since the start of the Iran War. They dropped a little from those highs at the end of the week but remain about 0.375% higher than my last update. There may be some improvements if an Iran....

w/e 5/8/26: Rates Remain Range Bound Waiting For Something Definitive to Happen
05/11/2026

w/e 5/8/26: Rates Remain Range Bound Waiting For Something Definitive to Happen

Rates have decreased a little over the last week but unlike the Stock market they have not recovered to pre-Iran conflict levels. They are still around 0.375% higher.

Address

455 Los Gatos Boulevard , Suite 100
Los Gatos, CA
95032

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