Paul Olbrantz, Mortgage Advisor

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Paul Olbrantz, Mortgage Advisor As brokers, we do the rate shopping for you so you can focus on finding your dream house!

We pride ourselves on exceeding our customer's expectations in finding the best rates, service, and options for a home loan that's right for you. Whether you want the lowest rate possible, a large amount of guidance, or a more complex financing package, we realize you are unique and we'll work with you to form a loan that is exclusively for you. We distinguish ourselves from others in our industry by providing WOW service, communication, and knowledge of home financing. We realize that buying or refinancing a home can be a stressful process without guidance and expertise todays constantly changing lending world. As your professional loan team, we are up-to-date on current lending guidelines, practices, and programs so that we can offer you the best advice and help you through the home loan process stress-free. Our goal is that you will be so impressed with our way of doing business that you will gladly tell your friends and family; our business is built on your referrals and we aim to have our clients for life.

11/04/2026

A little knee update: four miles this morning! It feels so good to be back out enjoying the morning sun before work.

The biggest challenge? I have a “go” brain. When I feel good, I want to do more. Right now, that means keeping a pretty slow pace—even when someone passes me and my competitive side says, “We can’t let that happen.” 😂 Anyone else relate?

Maybe that’s the lesson: one step at a time. The Pyrenees run is still the big goal, and I’m excited for the next running milestone along the way.

Was it the PRP? The stem cells? The surgery? I can’t say exactly how much each contributed, but I’m grateful for the progress and how good my knee feels.

Now it’s time to get to work.

11/02/2026

Mortgage rates fell—but the Fed didn’t cut. Here’s what homebuyers need to know. 🏡

Friday’s jobs report could change the direction again. Watch this week’s mortgage rate update for what happened last week, what to watch next, and what it means for your homebuying budget.

Here are the loan scenarios we’re seeing:

▪️ VA: 6.875% rate | 7.109% APR
▪️ FHA: 6.750% rate | 7.493% APR
▪️ Conventional: 7.125% rate | 7.258% APR
▪️ Jumbo: 6.990% rate | 7.115% APR

Waiting for lower mortgage rates? If that’s your entire homebuying plan, that’s hope. Know your budget, your target payment, and what the numbers mean for you.

🩺 DOCTORS, NURSES, AND OTHER MEDICAL PROFESSIONALS: WATCH TO THE END.

Doctor, nurse practitioner, nurse anesthetist, registered nurse, dentist, pharmacist, veterinarian—or another qualifying medical professional? You may have a home financing option you didn’t know existed.

Depending on your exact credential and program, eligible borrowers may qualify for:

✅ 100% financing on loans up to $2 million
✅ A separate 3%-down option on loans up to $3 million
✅ No monthly mortgage insurance

Programs have different eligibility rules. Registered nurses, clinical nurse specialists, and chiropractors are included in the 3%-down program—not the 100%-financing programs described.

👉 KNOW A MEDICAL PROFESSIONAL? FORWARD THIS VIDEO TO THEM. They may not know these options exist.

Ready to explore your mortgage options? Book a Hopes & Dreams Strategy Session with Paul at Clear2Close.

Rates and programs are subject to change. Qualification required. Your rate, APR, costs, and eligibility depend on your individual scenario. Equal Housing Opportunity.

10/26/2026

Think you need 20% down to buy a home in the Bay Area? That belief could be keeping you from exploring your options.

On a $600,000 home, 20% down is $120,000. Some eligible buyers can qualify for a conventional loan with 3% down—$18,000. That’s a $102,000 difference in the down payment.

Closing costs are extra. Less down means a larger loan and usually mortgage insurance. The payment still needs to fit your life.

In this week’s This Week in Rates, I break down the down-payment myth, what moved the market, and what buyers should watch this week.

THIS WEEK’S RATES
VA: 6.75% / APR 7.012%
FHA: 6.875% / APR 7.671%
Conventional: 7.125% / APR 7.218%
Jumbo: 6.875% / APR 6.974%

Assumptions: no points, 780 FICO, 25% down on Conventional and Jumbo. A 3%-down loan requires its own quote. APR includes interest and certain financing costs.

Realtors: Ask your buyers how much they THINK they need saved. Their answer may explain why they stopped looking.

Before you rule yourself out, let’s have a Hopes and Dreams Conversation. No application. No credit pull. We’ll review your goals, numbers, and options and build a strategy that fits your life.

Book a Strategy Session: https://calendly.com/clear2closebrokers/hopes-and-dreams-meeting-clone-2
Website: www.myhomeloanteam.com
Call or text: (707) 494-7017
Instagram: https://www.instagram.com/paulolbrantzhomeloans/
Facebook: https://www.facebook.com/myhomeloanteam
YouTube: https://www.youtube.com/

Paul Olbrantz
Clear2Close Brokers | NMLS #468647

Strategy Session = no application, no credit pull. We review your situation, numbers, and options and build a strategy.

What’s holding you back: the down payment, the monthly payment, or uncertainty about the market? Comment or DM me your question. I may answer it next Monday.

Rates as of October 26, 2026. Rates change daily. Your actual rate depends on credit, down payment, property type, and loan amount. For educational purposes only; not a commitment to lend. Equal Housing Opportunity.

10/22/2026

Is a 5-year or 7-year ARM a good idea? Bay Area mortgage broker Paul Olbrantz breaks down the real math, and why "just refinance later" is a hope, not a strategy.

I've been in this business 20+ years. I've sat across the table from families who were told "take the ARM, rates will drop, you'll refinance." Rates didn't drop. This video is so that doesn't happen to you.

In this video:
✅ What a 5-year and 7-year ARM really are (and the caps most people never read)
✅ The 40-year view: rates from 18.63% to 2.65% to today
✅ Save $200 a month, risk up to $1,900 a month: the real math
✅ Why refinancing later takes more than lower rates
✅ The 4 times an ARM actually makes sense

I'm not the rate guy. I'm the strategy guy. Subscribe for honest, no-hype mortgage strategy.

Want to see a fixed rate and an ARM side by side, worst case included, with YOUR numbers? Book a Strategy Session. No application, no credit pull.

Book a Strategy Session: https://calendly.com/clear2closebrokers/hopes-and-dreams-meeting-clone-2
Website: www.myhomeloanteam.com
Call or text: (707) 494-7017
Instagram: https://www.instagram.com/paulolbrantzhomeloans/
Facebook: https://www.facebook.com/myhomeloanteam
YouTube: https://www.youtube.com/

Paul Olbrantz
Clear2Close Brokers | NMLS #468647
Helping buyers across the Bay Area: Marin, San Francisco, the East Bay, the Peninsula and the North Bay.

Payment examples use illustrative rates ($600,000 loan; 30-year fixed at 7.125%, 5/6 ARM at 6.625%; principal and interest only) and are not a quote. ARM caps shown are common conforming caps; your loan's index, margin and caps may differ. Historical rates are Freddie Mac weekly averages. Educational only, not a commitment to lend. Equal Housing Opportunity.

Address

1425 N McDowell Boulevard Ste 213
Petaluma, CA
94954

Telephone

+17074947017

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