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Randy Corti Franklin Loan Center Mortgage Loan Officer NMLS #1562766

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United States
Palm Desert, CA
Randy Corti Franklin Loan Center Mortgage Loan Officer NMLS #1562766

I treat your loan like it’s my own! Pacific Union Financial LLC NMLS #2221, Loan Officer - Randy Corti NMLS #1562766

03/06/2026

Sign up for your free monthly Home Report for personalized insights on your home equity, forecast value and more. Use my personal link to get started or send me a message! https://lstrep.co/WwCwgH6Ss

10/03/2025

The federal government shutdown is already affecting key parts of the housing market- and if you're buying, selling, or refinancing, here's what you need to know. Most lending activity will continue as usual, but some delays or exceptions may apply depending on the loan program.

Government backed loans, FHA and VA, are still being processed, but reduced staffing could slow down approvals and appraisals.

*USDA rural home loans are currently paused.

Here are key areas to watch:

-IRS Transcripts (4506-C): Borrowers still sign, but transcripts may not be available until after closing.
-Verification of Employment for Government Employees: If verbal VOE can’t be obtained, lenders document attempts and proceed. Employment must still be warranted at delivery.
-Social Security Validation: Loans are not sale-eligible if SSN can’t be validated. Updates will follow when SSA resumes operations.
-Paystubs: Shutdown exception allows flexibility, but most recent YTD paystub is still required.
-Flood Insurance: National Flood Insurance Program (NFIP), managed by FEMA is currently on pause. There are private flood insurance alternatives that are available, such as Neptune, that can provide coverage.
-Reserves (if shutdown continues past Nov. 3): Borrowers directly impacted must show at least 2 months’ reserves or meet DU/manual guideline requirements.

09/25/2025

The 2026 base Conventional Conforming Loan Limits are officially live!

This update makes it easier for buyers to purchase homes with lower down payments and competitive pricing—making the path to homeownership even more accessible.

09/17/2025

For the first time in 2025 the Fed has approved a rate cut and signaled that 2 more are on the way before the end of the year.
While the fed rate doesn't directly control mortgage rates, here is out it can impact rates:

As a reminder, the Fed does not set mortgage rates directly.

A Fed cut doesn’t mean mortgage rates instantly drop.

Fed cuts impact short-term rates on money borrowed between banks.

This affects things like credit cards, auto loans, student loans, and personal loans more directly.

Mortgage rates move differently — they’re driven by inflation and long-term bond yields, not just Fed actions.

The way the Fed Cut impacts mortgage rates is more indirect. The Fed rate cut impacts the U.S. Treasury Securities. The U.S. Treasuries influence Mortgage-Backed Securities, which will then impact mortgage rates.

09/05/2025

Loan Program Spotlight: The VA IRRRL (pronounced "VA Earl")

The VA IRRRL makes it easier for Veterans and their families to lower their interest rates & monthly payments with a streamlined refinance. ????????

If you have a VA Loan and are interested to know if you could benefit from a streamlined refinance, contact your FLC Loan Officer today!

09/05/2025

Rates held steady during the week ending September 5, 2025, but could start to shift depending on how markets digest new labor market data. Franklin Loan Center is an Equal Housing Lender.