R & J Capital Group, LLC Mortgages

05/26/2026

Could we see another financial and housing crash like 2008? With rising mortgage rates, inflation, global instability, and the conflict involving Iran affecting energy prices, many people are asking whether today’s market is heading toward another major crisis.
In this video, we break down:
• What caused the 2008 housing collapse
• How mortgage lending standards have changed since then
• how no downpayment loans contributed to the crash
• The dangers of adjustable-rate and negative amortization loans during the housing bubble
• The “Ability to Repay” rules created after 2008
• Why today’s borrowers generally have stronger equity positions
• How larger down payments and stricter underwriting help stabilize the market
• The impact of inflation, oil prices, and higher interest rates on today’s housing market
• Whether current economic conditions could lead to a correction or recession
As someone who worked through the 2008 crisis as a mortgage broker, this video provides firsthand perspective on the similarities — and major differences — between then and now.
While today’s economy faces real challenges, including affordability concerns and geopolitical uncertainty, the housing market fundamentals are significantly stronger than they were before the 2008 collapse.
📲 Have questions about buying, refinancing, or today’s mortgage market? Contact our team to discuss your options.
👍 Don’t forget to like, comment, subscribe, and share this video for more mortgage and real estate updates.

04/07/2026

Early 2026 Mortgage Update: Rates, Programs & What’s Coming Next What’s happening in the mortgage market at the start of 2026?In this episode, Robert Niyazov...

03/17/2026

**Growing your rental portfolio?** DSCR loans qualify you based on your property's income, not your personal tax returns. That means faster closings, less paperwork, and more flexibility for real estate investors.

📖 Read our full guide: https://rjcmortgage.com/blog/dscr-cash-flow-loans-for-investments-property-income-vs-personal-income/

🎥 Watch the breakdown: https://www.youtube.com/watch?v=vadZxPCu_hs

📰 Featured in the Queens Ledger: https://queensledger.com/2026/02/16/boost-your-dscr-ratio-before-applying-for-a-loan/

Ready to see what you qualify for? Visit us at https://rjcmortgage.com/ to get started today!
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12/30/2025

Mortgage Insights, Market Trends & Real Estate Truths | Expert Talk with R&J Capital CEO

In this in-depth and eye-opening conversation, Robert Niyazov, CEO and Founder of R&J Capital, sits down with New York Real Estate Broker Olga Zakinova to discuss mortgages, real estate trends, and smart strategies for buyers, sellers, and investors across the U.S.

Robert brings over 20 years of experience leading a multi-state licensed mortgage company serving nearly 70% of the U.S. population, sharing real-world insights into today’s housing market, mortgage financing, and long-term wealth building through real estate.

Together, Robert and Olga cover everything from first-time homebuyer programs and low down payments to investment strategies, cash vs mortgage decisions, market cycles, insurance costs, fraud prevention, and legacy planning. This conversation goes beyond surface-level advice and dives into how mortgages truly work, how lenders evaluate borrowers, and how preparation and honesty can make or break a deal.

Watch full video interview at our YouTube channel

Mortgage Insights, Market Trends & Real Estate Truths | Expert Talk with R&J Capital CEO

In this in-depth and eye-opening conversation, Robert Niyazov, CEO and Founder of R&J Capital, sits down with New York Real Estate Broker Olga Zakinova to di...

07/21/2025

Want to accomplish more in life — whether it’s building your career, improving your personal life, or hitting a major goal? It all begins with one simple, powerful habit: VISION.
In this motivating video, we share a timeless strategy that’s helped millions turn dreams into reality. From earning a new certification to buying a car or making life-changing decisions, it all starts with imagining the outcome clearly and planning your way there.
You’ll learn how to:
Create a crystal-clear vision for your goals
Break big dreams into manageable steps
Stay focused, motivated, and productive
“Everything is created twice – first in the mind, then in reality.” – Stephen Covey
Start visualizing your success — and then go make it happen.

07/16/2025

Have you ever wondered why the strength of the U.S. dollar makes headlines—and what it actually means for your mortgage or the housing market?
In this video, we break down the real relationship between the dollar, interest rates, and mortgage trends. We’ll explain in simple terms what it means when we say the U.S. dollar is “strong” or “weak,” how interest rates influence that value, and what the Trump administration’s current strategy could mean for the economy and your future home loan.
Here’s what we cover:
✅ What is a strong vs. weak dollar?
✅ Why a weaker dollar could benefit U.S. exports and manufacturing
✅ How interest rates directly influence the dollar’s value
✅ Why former President Trump is pressuring the Federal Reserve to lower rates
✅ Our forecast for mortgage rates in 2026—could we be heading back to 5.5–6% mortgage rates?
We’ll also clear up a huge myth: a strong dollar doesn’t always mean a strong economy, and vice versa. It’s all about the balance.
Whether you're a current homeowner, first-time buyer, or real estate professional, understanding these dynamics can help you make smarter decisions in the months ahead.

👇 Drop your thoughts in the comments — Do you think mortgage rates will fall in 2026? Will the dollar continue to weaken? We’d love to hear your take!
📢 Like this video, follow our page, and subscribe for more straightforward insights on real estate, the economy, and mortgage tips that actually matter.

07/08/2025

The mortgage rates have been stubbornly hovering around 6 1/2 to 7% for a long period of time now. The recent June 2025 jobs report has also demonstrated a resilience in the American economy, which doesn’t help their rates either. Now, the federal reserve is unlikely to lower the rates at the end of July 2025 however, we have seen an optic and mortgage applications and in the amount of contracts we are receiving in the office. Those who need to buy a home I will buy it due to family formation and other life events. Moreover, some realize that 7% mortgage rate is not out of ordinary in historical means.

We also touched in this video on the new provision in the one beautiful bill, which has to do with the increase of the deduction for property and state taxes. This is a welcome news for some homeowners who taxes are high.

07/02/2025

What’s going on with mortgage rates—and where are they headed?
In this video, I break down the key factors that impact mortgage interest rates and explain why they’ve been hovering between 6% and 7% for the past few months. You’ll learn what drives rate changes—like the labor market, inflation, and even politics—and when we might see real movement, including possible drops later this month and into 2026.
Here’s what we cover:
✔️ Why rates haven’t dropped significantly yet
✔️ What role inflation and the labor market play
✔️ How the Fed's next moves might affect HELOCs, student loans & car loans
✔️ Why 2026 mid-term elections could influence rate changes
✔️ My personal prediction for 2026 mortgage rates
If you're thinking about buying, refinancing, or just keeping an eye on the market, this is the update you need.
📩 Drop your thoughts in the comments — what do YOU think will happen to mortgage rates next?
🔔 Don’t forget to subscribe for weekly insights, rate updates, and tips for homebuyers and real estate investors!

06/24/2025

Are you planning to buy a new property and unsure whether it qualifies as a primary residence or an investment property? In this video, we break down the key differences between buying and financing a property you’ll live in versus one you’ll rent out.

✅ What qualifies as a primary residence?
✅ What makes a property an investment?
✅ Financing differences: down payments, interest rates & credit score requirements
✅ Why lenders see investment properties as riskier
✅ Common mistakes to avoid when applying for a mortgage
✅ Real estate investing tips for beginners
Whether you're a first-time homebuyer or an aspiring real estate investor, this guide will help you navigate the financing process with confidence and avoid costly mistakes.

💬 Have more questions about mortgage options or your credit profile? Drop them in the comments below — we’re here to help!

📞 Need mortgage advice? Contact our team today and let's make your property goals a reality!

06/20/2025

If you're preparing to buy a home, understanding how lenders calculate your mortgage qualification is a game-changer. Many people are surprised to learn that things like car insurance, groceries, or dining out don’t directly impact your approval. So what does matter?

📌 In this video, we break it down in simple terms:

What counts toward your monthly debt:
✅ Mortgage payment (principal + interest)
✅ Property taxes
✅ Homeowner’s insurance
✅ Credit card minimums
✅ Auto loans or leases
✅ Student loans
✅ Personal loans (if they appear on your credit report)

What doesn’t count:
❌ Car insurance
❌ Food, gas, dining, entertainment
❌ Clothing or other non-credit expenses

The key number to remember? 45% of your gross monthly income.
If you earn $10,000/month, your housing costs + monthly credit report debts must be within $4,500. The remaining 55% is assumed to cover your everyday living expenses. This is why having a clear credit report and realistic view of your budget is essential. Lenders don’t want your lifestyle—they want the math to work. Knowing what goes into these calculations helps you plan smarter and avoid surprises.

Ready to see what you qualify for? Contact us for a free pre-approval and personalized guidance to get you on the path to homeownership

Drop your questions in the comments or send us a message—we're here to help!