Brandon Friedel- Mortgage Loan Consultant

Brandon Friedel- Mortgage Loan Consultant Let’s make your financial dreams come true through real estate. Full service.

09/11/2026

Been a while… don’t like where we are, don’t like where we’re headed.

07/14/2026

Yeah the CpPI being low is a nice “relief” but can we trust it. I see this measurement and ask “How?”.

The only possible thought is the Boomer generation is retiring in great numbers and moving from private health to Medicare/medicaid which has much lower premiums, because THE REST OF US SUBSIDIZE IT.

So once again the younger generations are paying for the richest generation in history to hold onto more of their cash as we pay for their aging healthcare. It’s the only thing that makes this chart make sense. And it arguably means the rest of our costs are HIGHER as we pay higher premiums ourselves and are subsidizing aging healthcare care costs for the older Generation.

Thoughts?

06/16/2026

Very quick market check.
Rates are improving with the MOU allegedly being worked out and due for signing this week.
This should ease some of those inflation pressures and allow this increase to hold, or possibly continue a little longer.
Big picture this is a bandaid and we need a full deal to get some real big gains coming back.
May not be the worst tim to lock!

06/04/2026

I get asked regularly to clarify what this grant program entails and why someone might take a little bit higher payment in the search of more money in their pocket now.
✅ Down payment or Closing Cost funds
✅ Pair with seller credits for near $0 out of pocket
✅ Forgiven quickly with on time payments
✅ Can refinance as soon as forgiven
✅ Money in your pocket at closing for whatever!

Let’s chat so you are prepared to utilize these types of programs to there fullest capabilities!

05/29/2026

Quick little Econ check in; since we finally got some good data. Rates slowly improving this week as we edge ever closer to at the very least a 60 day ceasefire extension and some additional oil flowing around the world.

The data overall now for probably a year has been trending downward. It’s a slow bleed; but a bleed nonetheless. I do feel we are headed toward something, who knows what that is and who it affects most though. All this pressure is building and will eventually need to be let loose. Anyways I would expect rates to continue back lower at a very slow pace until something more permanent happens.

05/25/2026

Check out your mortgage Monday check in. are holding on starting about the same as last week. Don’t knock those adjustable rates, they can be a good option!
Dream for all is back and active! Check your portals.
Inventory is up, demand is holding strong.
10 year is up, we need an Iran deal to loosen the pressure on rates as oil reserves are down to fumes.
Tune in next week for the latest and greatest!

05/22/2026

I get sent other LOs ads and promotions all the time by my clients to ask “what about this” and this is one of the most common scenarios. These portfolio products whose perk is normally no MI.
I’ve done these loans in the past and they are a great option. Particularly if you can pair them with a grant, but on their own they typically don’t provide much value over a traditional conventional loan unless you are the absolute picture perfect client.
Take a look at the scenario in the video and see what I mean!

05/21/2026

Check out this direct fha to conventional comparison. Oftentimes fha is pushed because of the lower interest rate, but that doesn’t mean it has a lower payment month to month. Check this out.

05/21/2026

While we’d like everything to be straight forward and make logical sense; that’s not always the case. With hundreds of of mortgage programs available at any given time, there is room for mis direction. Sometimes that is just marketing ploy, sometimes it is malicious. Let me share a couple examples today for you, and your clients to better understand what I mean.

05/14/2026

Inflation numbers are not looking great! Where do we go from here? With the conflict and oil crisis just showing up for the first time in these reports, things are likely to only get worse from here.
At the same time we have the Presidents hand picked new Fed Chairman Warsh assuming his role.
These two forces coming together will make for an interesting next 90 days.
The good news seems to be the rates (the banks) seem to be betting on things coming lower in the nearer future the way the interest rates have held on comparatively to the past rates when the 10 year passed 4.4.

Big picture, it’s chaos. There is no clear answer. We can run ourself into much higher rates as a necessity if we are not careful & I am not sure there is a clear plan to address the overall economic needs of the country. Tread carefully, hope for the best.

Address

10535 Foothill Boulevard #340
Rancho Cucamonga, CA
91730

Opening Hours

Monday 8am - 7pm
Tuesday 8am - 7pm
Wednesday 8am - 7pm
Thursday 8am - 7pm
Friday 8am - 7pm
Saturday 9am - 6pm
Sunday 9am - 5pm

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