Mike Boghos

Mike Boghos Account Executive | Lendz Financial NMLS 1891964 | Non-QM Experts Wholesale Account Executive with 7+ years experience.

06/01/2026

If your investor is saying let's just wait a few weeks for rates to come down, here is the honest pushback: waiting does not reduce risk. In this market it often adds it.

Borrowing costs have been reacting to global volatility, particularly energy prices and geopolitical headlines, and that is keeping rates unpredictable in both directions. Trying to time the next move is not a strategy. It is a gamble. The smarter play is to focus on ex*****on: clean numbers, clean structure, and the ability to act decisively when terms are workable.

That means doing two things really well. First, choosing the right DSCR lane upfront based on how the property is actually operated so there are no surprises in underwriting. Second, packaging the file cleanly so underwriting does not turn into a back-and-forth process while pricing is shifting underneath you.

In a market like this, speed is leverage and optionality is power. The investors winning right now are the ones who are prepared to move when the window opens, not the ones still assembling their file when it closes.

If you have an investor scenario this week, purchase or refi, send me the property address, value, target LTV, and rent support. I will map the best structure so the deal stays predictable even when the market is not.

06/01/2026

If your client is asking whether they should wait this out, here is the honest answer: the market is not waiting for them.

Home prices are still showing resilience. FHFA reported US single-family prices up 0.1 percent in March and up 1.7 percent year over year. At the same time mortgage rates have pushed higher driven by inflation concerns and elevated yields. So the conversation this week is not about whether rates will magically drop. It is about how to structure deals so they close even if pricing continues to shift.

For buyers, winning right now means moving clean and fast. Tight documentation, quick condition responses, and a rate lock strategy that matches the contract timeline precisely. For investors, winning means focusing on the property's actual numbers, building adequate reserves, and choosing the right loan structure upfront so underwriting does not become a re-trade that kills the deal.

If you send me the scenario, address, value or purchase price, target LTV, and rent support if it is an investor deal, I will map the best structure and the fastest path to approval for this week's market conditions. Send it over and let's get to work.

05/28/2026

This week is a holiday-shortened week and that means two things: fewer business days and more pricing sensitivity. Here is what you need to know to protect your deals.

As of today, Bankrate's national average 30-year fixed is around 6.70 percent. Freddie Mac's latest weekly average is 6.51 percent. The move this week is simple: stop chasing the perfect day and start protecting the close.

Thursday is the one to watch. We get the Fed's preferred inflation gauge, the PCE, plus the second read on Q1 GDP. That combination can move bonds and reprice lenders fast, sometimes within hours. If your borrower has a tight payment ceiling or a hard closing date, lock with intention and keep the file clean. If you are going to float, float with rules. Have a target rate, a deadline, and a backup plan in place before you decide to wait.

The easiest way to win in a volatile market week is operational. Submit complete files, respond to conditions fast, and keep the story consistent from application to closing. Clean files close on time even when the market is moving.

If you have a live deal this week, send it over with your close date and I will give you a straight lock or float recommendation based on your specific risk and timeline.

05/18/2026

The brokers who win in this market are not the ones throwing files at the wall and hoping they stick. This is especially true in the non-QM space and I see the consequences of getting it wrong all the time.

DSCR, bank statement, P&L, foreign national, whatever the file type is, these loans need to be structured correctly before they ever hit underwriting. This is not optional. It is the difference between a clean approval and a last-minute nightmare where you have to go back to your borrower and tell them something was missed upfront. That is the last conversation any of us want to have.

This is where I genuinely try to separate myself from the pack. At Lens Financial we have an incredible pre-qualification tool that gives us a clear picture of the deal before it is ever submitted. Send me a DM or a message and I will get you a direct link to it right away.

From the moment you submit that pre-qual we typically have it back in your hands within five to fifteen minutes. That means you know whether you have a solid deal before anything is up in the air.

Let's structure it correctly from the very beginning. Send me the scenario, DM me or shoot me an email, and I will get you the pre-qual link so we can figure out the cleanest path forward together.

05/08/2026

Wondering why some loans fall apart right before month-end?

Month-end is always a scramble, but most delays start when final conditions are submitted the same week as closing.

The biggest issues usually come from files going to final incomplete, basic conditions still missing, and everything stacking up at once.

The brokers who consistently hit their closing dates do one thing differently: they submit conditions early and clear most borrower items while appraisal and title are still in process.

If you want cleaner closings and less stress at the finish line, start submitting your conditions early.

05/06/2026

A $1.6 million DSCR purchase in Hawaii just went from appraisal to CTC in 15 days.

This waterfront investment property had very strong short-term rental numbers, which helped create a much better leverage position than the long-term rent schedule would have allowed.

We used a short-term 1007 and Financial’ limited review questionnaire, which helped reduce headaches and get the file approved without revisions needed.

Even with a new appraisal in Hawaii, where turn times can be challenging, this deal moved quickly and cleanly.

Have a DSCR loan you want reviewed or priced out? Send me a DM or give me a call.

05/04/2026

May is here, and we’re already focused on finishing strong.

A huge thank you to our broker partners and the Financial team for another strong month of closings. We pushed a lot of files to CTC and got deals funded right before month end, which is never easy.

As we head into May, one quick reminder: please submit your conditions early if you want a smoother closing experience.

With Memorial Day coming up, that final week of the month is going to move fast, so let’s stay ahead and make May another strong month.

CallejasAnother DSCR loan closed.$322,000 closed with CTC in just 13 days.Speed is important, but confidence matters ju...
04/29/2026

Callejas
Another DSCR loan closed.

$322,000 closed with CTC in just 13 days.

Speed is important, but confidence matters just as much. When a file is structured correctly from the start and everyone stays aligned, closings like this are possible.

Great work by Jayson Callejas and the CHIF Homes team.

DaoBig win for a Foreign National DSCR borrower.$813,207 closed and clear to close in just 15 days.These are the types ...
04/28/2026

Dao
Big win for a Foreign National DSCR borrower.

$813,207 closed and clear to close in just 15 days.

These are the types of files where structure matters. When the full scenario is reviewed up front and communication stays clear, complex Non-QM loans can move fast.

Congrats to Hanh Dao and the Lock It Lending team on getting this one across the finish line.

Eklund$780,000 DSCR Short Term loan closed.CTC in 19 days.Short term rental scenarios can come with extra layers, so th...
04/27/2026

Eklund
$780,000 DSCR Short Term loan closed.

CTC in 19 days.

Short term rental scenarios can come with extra layers, so the right structure and communication up front make all the difference.

Congrats to Kristen Eklund and Coast2Coast Mortgage on a strong closing.

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