Paul Olbrantz, Mortgage Advisor

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 industr

y 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.

06/07/2026

Tony Robbins says true wealth is measured by experiences, not dollars.

Today felt rich.

Great fishing, great company, and time spent with these boys who have grown into remarkable men.

Grateful to be alive. Grateful to be sober. Grateful for a Higher Power and the guidance that’s brought me here.

And thank God for Dave… because he caught about three-quarters of the fish. Our lines were literally side by side, but for some reason they just weren’t interested in my bait. That’s fishing—sometimes you’re the fisherman, and sometimes you’re just there to cheer on Dave. 😂🎣

Days like this are worth more than money. 🙏❤️🎣

06/01/2026

Mortgage applications fell 8.5% in just one week.

Refinance applications dropped 18%.

Yet home prices are still rising nationally.

So what does that mean if you're thinking about buying, selling, or refinancing?

In this week's Monday Mortgage Market Update, I break down:

� Why fewer buyers can actually create opportunity

� How higher rates impact competition

� Why home prices continue to rise despite affordability challenges

� What Friday's Jobs Report could mean for mortgage rates

� The biggest mistake buyers make when trying to time the market

One thing I always remind clients:

Real estate is local.

National headlines are interesting, but they don't tell you what's happening in the neighborhood where you want to buy or sell.

That's why having a great Realtor and a solid financing strategy can make all the difference.

If you're considering buying, selling, refinancing, or simply want to create a game plan, let's connect.

� Schedule a Free Strategy Session:
https://calendly.com/clear2closebrokers/buying-homes-for-less

Current Example Rates:

VA: 5.625%
FHA: 5.625%
Conventional: 6.125%
Jumbo: 5.875%

Rates shown with up to 1 point, excellent credit, and 25% down for Conventional and Jumbo loans. Actual rates vary based on credit score, occupancy, loan type, equity, and other factors.

Questions?

Call or Text: 707-494-7017

Email: [email protected]

Website: www.MyHomeLoanTeam.com

Paul Olbrantz
Clear2Close Brokers

NMLS #278123

Serving homebuyers, homeowners, and Realtors throughout California.



� New to streaming or looking to level up? Check out StreamYard and get $10 discount! �

05/25/2026

� Bay Area & California Homebuyers �

Last week was a wake-up call.

Mortgage rates jumped fast, especially Thursday into Friday, and some buyers saw their payments increase almost overnight.

So what caused it?
Oil prices. Inflation fears. Global uncertainty.

And this week could be just as important.

In this week’s market update, I break down:

� Why rates moved higher
� What reports could impact rates THIS week
� What smart buyers are doing RIGHT NOW
� How to avoid overpaying in today’s market
� Why strategy matters more than headlines

The buyers winning right now are not necessarily getting the lowest rate…

They’re getting the BEST strategy.

� ALSO — BIG ANNOUNCEMENT �

This Thursday at 6:30 PM
I’m hosting a LIVE webinar:

“Buying Homes For Less”

This is NOT your typical homebuyer webinar.

We’re going to cover:

� How to negotiate smarter
� How to save money
� How to lower payments strategically
� How to avoid emotional buying decisions
� The ONE key trait buyers have who consistently save the most money

If you’re thinking about buying anywhere in the Bay Area, San Diego, Sacramento, or throughout California… this webinar could save you THOUSANDS.

� Watch the full market update here:
https://youtu.be/YOURVIDEO

� Register for the LIVE webinar here:
https://yourloanteam.homeseminars.net/register

� Want to schedule a strategy session?
https://calendly.com/clear2closebrokers/buying-homes-for-less

















� New to streaming or looking to level up? Check out StreamYard and get $10 discount! �

05/18/2026

� Mortgage Rates Jumped Last Week — Here’s What Homebuyers Need To Know

Mortgage rates rose sharply late last week after inflation came in hotter than expected. Gas prices, food costs, and energy inflation pushed bond markets lower, which caused mortgage rates to increase quickly Thursday into Friday.

A lot of people are hearing:
“THE FED MAY CUT RATES.”

But mortgage rates don’t directly follow the Fed.

In this video I break down:
� Why rates moved higher last week
� What inflation and oil prices mean for mortgage rates
� Why markets are so volatile right now
� Why inventory is improving nationally
� Why every local real estate market is different
� Why strategy matters more than perfectly timing rates
� How buyers are negotiating seller credits right now
� When refinancing later may make sense

Current Mortgage Rates:
VA — 5.875% (APR 6.183%)
FHA — 5.75% (APR 6.571%)
Conventional — 6.375% (APR 6.482%)
Jumbo — 6.00% (APR 6.199%)

Rates shown with up to 1 point, strong credit, and conventional/jumbo with 25% down.

If you’re thinking about:
� Buying your first home
� Moving up
� Refinancing
� Investing in real estate

This update will help you better understand today’s market.

� Paul Olbrantz
Clear2Close Brokers

� 707-494-7017
� www.MyHomeLoanTeam.com



� New to streaming or looking to level up? Check out StreamYard and get $10 discount! �

05/15/2026

First Time Home Buyers! Check out this listing!

So many families have already talked themselves out of homeownership without ever exploring what may actually be possible.

The truth is, there are still programs available today that may help qualified buyers purchase with far less money down than they expected.

This video is not a quote or loan commitment. Every situation is different.

It’s simply meant to start a conversation and help families stop guessing.

If you’re wondering whether buying is possible for you, let’s sit down and create a strategy.

No pressure.
No credit pulls.
No applications.

Just honest guidance based on over 20 years of helping families become homeowners.

Message me to set up a time

And if you need a great real estate agent, I’m happy to connect you with one. I only work with agents I trust completely.

06/25/2025

Not All Loan Officers Are Created Equal—Here’s What You Need to Know Before You Buy or Refi

Thinking about buying or refinancing a home? Here’s a key distinction most people miss: Loan officers at big-name lenders (like CrossCountry Mortgage, Guild just to name a few) only offer their own loan products. If you want someone who shops multiple lenders to get you the best deal, a mortgage broker might be your best bet.
We break down the difference so you can make the smartest move with your money. 🏡💰

11/05/2024

💡 Did You Know You Can Use Assets as Income to Increase Your Buying Power?

If you’ve been pre-approved but want to qualify for a higher purchase price, there’s a solution! 💼💰

Here’s how it works: if you have assets like a brokerage account, we can actually turn those assets into income—even if you don’t earn more or bring in a co-signer!

For example: Maybe you're pre-approved for $500K, but you're eyeing a home priced at $650K. With your assets, you may be able to bridge that gap and get the home you really want! 🏡✨

🔑 Ready to see if this could work for you? Let’s connect!

And if you know someone who could benefit from this, tag them or share this post. Referrals are always appreciated! 🙏

Address

1425 N McDowell Boulevard Ste 213
Petaluma, CA
94954

Telephone

+17074947017

Website

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