Liz LeFore - MortgageLiz Team - Mortgage Broker, NMLS 457837

01/10/2026

📉 𝗪𝐡𝐲 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐑𝐚𝐭𝐞𝐬 𝐌𝐨𝐯𝐞 — 𝐀𝐧𝐝 𝗪𝐡𝐲 𝐓𝐡𝐢𝐬 𝐌𝐚𝐭𝐭𝐞𝐫𝐬 𝐑𝐢𝐠𝐡𝐭 𝐍𝐨𝐰

Mortgage rates don’t move just because the Fed cuts rates — and they’re not sitting at 𝟓.𝟕% like some people think.

Mortgage rates are driven mostly by 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐛𝐨𝐧𝐝𝐬.

These are bundles of home loans that investors buy and sell. When investors feel confident, they buy bonds → prices rise → 𝐫𝐚𝐭𝐞𝐬 𝐜𝐨𝐦𝐞 𝐝𝐨𝐰𝐧. When investors get nervous about inflation, jobs, or politics → they sell bonds → 𝐫𝐚𝐭𝐞𝐬 𝐠𝐨 𝐮𝐩.

That’s why rates can move even when the Fed doesn’t — headlines don’t tell the full story.

💡 𝗪𝐡𝐚𝐭 𝐦𝐚𝐭𝐭𝐞𝐫𝐬 𝐫𝐢𝐠𝐡𝐭 𝐧𝐨𝐰:

Mortgage rates are at 𝐬𝐨𝐦𝐞 𝐨𝐟 𝐭𝐡𝐞 𝐛𝐞𝐬𝐭 𝐥𝐞𝐯𝐞𝐥𝐬 𝐰𝐞’𝐯𝐞 𝐬𝐞𝐞𝐧 𝐬𝐢𝐧𝐜𝐞 𝟐𝟎𝟐𝟐, even though they’re not in the 5% range for everyone.

If your current rate is in the 𝐦𝐢𝐝 𝐭𝐨 𝐡𝐢𝐠𝐡 𝟔𝐬 𝐨𝐫 𝐡𝐢𝐠𝐡𝐞𝐫, it’s worth checking the numbers.

The same goes if you have an 𝐅𝐇𝐀 𝐨𝐫 𝐕𝐀 𝐥𝐨𝐚𝐧 𝐨𝐯𝐞𝐫 𝟔% — those are pricing better than conventional in many cases.

Yes, some refinances can be done with no out-of-pocket costs.

Yes, refinancing is about 𝐦𝐚𝐭𝐡, not fear.

Some people need a big drop for it to make sense.

Others can cut 𝐡𝐚𝐥𝐟 𝐚 𝐩𝐞𝐫𝐜𝐞𝐧𝐭, save a few hundred dollars a month, and still win.

Every situation is different. But if your rate starts with a 𝟔 𝐨𝐫 𝟕, it’s at least worth running the numbers.

Not hype. Jus

12/11/2025

📊 𝐅𝐞𝐝 𝐌𝐚𝐤𝐞𝐬 𝐒𝐮𝐫𝐩𝐫𝐢𝐬𝐞 𝐌𝐨𝐯𝐞 — 𝐖𝐡𝐚𝐭 𝐈𝐭 𝐌𝐞𝐚𝐧𝐬 𝐅𝐨𝐫 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐑𝐚𝐭𝐞𝐬 💬

The Fed delivered its third straight rate cut of 2025, lowering the Fed Funds rate by 0.25% to 3.5–3.75% — but the big story was Powell’s tone, not the cut itself.

💡 Key takeaways:
• Powell suggested the labor market may be overstated by ~60,000 jobs per month.
• Inflation is easing, especially in services, though tariffs are still pushing goods higher.
• Powell said rates are now in the “high range of neutral,” meaning limited room for hikes.

🏦 Why mortgage rates improved:
Markets reacted to Powell’s dovish signals — not the rate cut.
➡️ He hinted at possible 2026 cuts if the labor market keeps softening.
➡️ Lenders issued mid-day rate improvements, giving us some of the best levels this week.

📉 What happens next:
• Bonds liked Powell’s comments, helping push rates down.
• Expect volatility with CPI and two months of delayed BLS data releasing next week.
• A more dovish Fed lineup in 2026 could support more cuts.

🏡 What this means for buyers & homeowners:
• Buyers may see affordability improve as rates ease.
• Homeowners waiting for a refi window should start reviewing numbers now.
• Realtors: rate relief = more qualified families and stronger buying power heading into 2026.

If you’re watching these Fed headlines and wondering how it affects your numbers, now’s the time to check.

👉 See today’s options: www.CallMortgageLiz.com

—
𝐋𝐢𝐳 𝐋𝐞𝐅𝐨𝐫𝐞
💰

11/03/2025

📚R𝐞𝐧𝐞𝐰𝐞𝐝. 𝐑𝐞-𝐋𝐢𝐜𝐞𝐧𝐬𝐞𝐝. 𝐑𝐞𝐚𝐝𝐲 𝐟𝐨𝐫 𝟐𝟎𝟐𝟔.✅

Behind every mortgage approval, there’s 𝘢 𝘭𝘰𝘵 that happens behind the scenes — and this week was one of those moments that reminds me why I love what I do.

Every year, loan originators are required to complete hours of continuing education, testing, and re-licensing in every single state we serve. It’s not easy — it’s time-consuming, detailed, and different in each state — but it’s what keeps me sharp, compliant, and confident when helping families buy or refinance their homes.

💡𝗪𝐡𝐲 𝐢𝐭 𝐦𝐚𝐭𝐭𝐞𝐫𝐬:
When you work with a 𝘣𝘳𝘰𝘬𝘦𝘳 (not a bank), you’re working with someone who invests in staying fully licensed, trained, and accountable to federal and state regulations. That means every program I recommend, every quote I give, and every strategy I build is backed by the most current industry standards and lending updates.

To my Realtor partners: this is why having a true professional on your side matters — someone who takes the education and compliance as seriously as the contracts.

And to my clients: this is how I make sure your loan isn’t just approved… it’s approved 𝐭𝐡𝐞 𝐫𝐢𝐠𝐡𝐭 𝐰𝐚𝐲. 💪

—
𝐋𝐢𝐳 𝐋𝐞𝐅𝐨𝐫𝐞
💰 Spanish-Speaking Mortgage Broker | NMLS 457837
📍 Licensed in 45+ States | FHA • VA • First-Time Buyer & Mobile Home Loans
MortgageLiz Team Powered By UMortgage
📲 (760) 214-3647
✉️ [email protected]

10/31/2025

📉 𝐅𝐞𝐝 𝐂𝐮𝐭 𝐖𝐢𝐭𝐡 𝐇𝐚𝐰𝐤𝐢𝐬𝐡 𝐓𝐨𝐧𝐞 — 𝐑𝐚𝐭𝐞𝐬 𝐑𝐞𝐚𝐜𝐭 𝐔𝐩, 𝐍𝐨𝐭 𝐃𝐨𝐰𝐧 💬

The Federal Reserve did cut rates by 0.25% this week — but don’t let the headline fool you.

Mortgage rates actually 𝐦𝐨𝐯𝐞𝐝 𝐡𝐢𝐠𝐡𝐞𝐫 after Jerome Powell’s press conference yesterday 😬

Here’s why 👇
🦅 𝐏𝐨𝐰𝐞𝐥𝐥’𝐬 𝐓𝐨𝐧𝐞 𝗪𝐚𝐬 𝐇𝐚𝐰𝐤𝐢𝐬𝐡
Even with the cut, Powell sounded cautious — questioning whether another cut in December will even happen. He said it’s “not a foregone conclusion,” which sent bond yields 𝐛𝐚𝐜𝐤 𝐮𝐩 and pressured mortgage rates higher.

📊 𝐓𝐡𝐞 𝐅𝐞𝐝’𝐬 𝐁𝐚𝐥𝐚𝐧𝐜𝐞 𝐒𝐡𝐞𝐞𝐭 𝐂𝐡𝐚𝐧𝐠𝐞 𝐌𝐢𝐬𝐬𝐞𝐝 𝐭𝐡𝐞 𝐌𝐚𝐫𝐤
They announced they’re ending the runoff of Mortgage-Backed Securities (MBS), which should’ve helped rates…

But instead of reinvesting in long-term Treasuries (like the 10-year, which drives mortgage rates), they’re putting the funds into 𝐬𝐡𝐨𝐫𝐭-𝐭𝐞𝐫𝐦 𝐓𝐫𝐞𝐚𝐬𝐮𝐫𝐲 𝐛𝐢𝐥𝐥𝐬. That shift 𝐝𝐢𝐝𝐧’𝐭 𝐡𝐞𝐥𝐩 𝐥𝐨𝐧𝐠-𝐭𝐞𝐫𝐦 𝐫𝐚𝐭𝐞𝐬 𝐚𝐭 𝐚𝐥𝐥 — meaning mortgage rates got zero relief.

⚠️ 𝐆𝐨𝐯𝐞𝐫𝐧𝐦𝐞𝐧𝐭 𝐒𝐡𝐮𝐭𝐝𝐨𝐰𝐧 = 𝐋𝐢𝐦𝐢𝐭𝐞𝐝 𝐃𝐚𝐭𝐚 = 𝐍𝐨 𝐃𝐞𝐜𝐞𝐦𝐛𝐞𝐫 𝐂𝐮𝐭
We’re now at day 30 of the government shutdown. Without key data reports, Powell made it clear the Fed likely won’t cut again until they have more hard numbers to review.

🏠 𝗪𝐡𝐚𝐭 𝐓𝐡𝐢𝐬 𝐌𝐞𝐚𝐧𝐬 𝐟𝐨𝐫 𝐘𝐨𝐮
- Mortgage rates may stay higher short-term while the market digests Powell’s comments.

10/30/2025

🚨 𝐑𝐞𝐚𝐥𝐭𝐨𝐫𝐬 — 𝐓𝐡𝐢𝐬 𝐈𝐬 𝗪𝐡𝐲 𝐘𝐨𝐮 𝐃𝐨𝐮𝐛𝐥𝐞-𝐂𝐡𝐞𝐜𝐤 𝐄𝐯𝐞𝐫𝐲 “𝐅𝐇𝐀 𝐀𝐩𝐩𝐫𝐨𝐯𝐞𝐝” 𝐂𝐨𝐧𝐝𝐨 🏢

Had a conversation today with an agent whose buyer was told by their lender that the condo they were purchasing was 𝐅𝐇𝐀 𝐚𝐩𝐩𝐫𝐨𝐯𝐞𝐝. Sounds great, right? Except… it wasn’t. 😬

Here’s what happened 👇
➡️ The buyer’s lender originally said the first condo was approved — it wasn’t.
➡️ They switched to a new condo that the lender also claimed was FHA approved.
➡️ But after I pulled the 𝐥𝐞𝐠𝐚𝐥 𝐝𝐞𝐬𝐜𝐫𝐢𝐩𝐭𝐢𝐨𝐧, reviewed the 𝐩𝐫𝐨𝐩𝐞𝐫𝐭𝐲 𝐩𝐫𝐨𝐟𝐢𝐥𝐞, and verified on 𝐇𝐔𝐃’𝐬 𝐨𝐟𝐟𝐢𝐜𝐢𝐚𝐥 𝐅𝐇𝐀 𝐀𝐩𝐩𝐫𝐨𝐯𝐞𝐝 𝐂𝐨𝐧𝐝𝐨 𝐥𝐢𝐬𝐭, we confirmed… ❌ not approved.

This is why due diligence matters. FHA condo approvals are 𝐩𝐫𝐨𝐣𝐞𝐜𝐭-𝐬𝐩𝐞𝐜𝐢𝐟𝐢𝐜, not address-specific.

If the exact building or phase isn’t listed on HUD.gov, the loan can’t close under FHA — period.

⚠️ What this means for you and your buyers:
- Just because a lender says a condo is approved doesn’t make it true.
- Always verify the project on the 𝐨𝐟𝐟𝐢𝐜𝐢𝐚𝐥 𝐅𝐇𝐀 𝐥𝐨𝐨𝐤𝐮𝐩 𝐭𝐨𝐨𝐥 (not just MLS or HOA info).
- An inaccurate preapproval can waste weeks, kill deals, and frustrate clients who did everything right.

💡 𝐏𝐫𝐨 𝐓𝐢𝐩: When in doubt, send the legal description or APN to your lender before writing that offer. A quick check can save everyone a lot of headaches later.

If your buyer’s deal is stuck because the “approved condo” turned out not to be — 📲 𝐜𝐚𝐥𝐥 𝐦𝐞.

I’ll verify the project, confirm options, and make sure your buyer isn’t chasing false approvals.

𝐋𝐢𝐳 𝐋𝐞𝐅𝐨𝐫𝐞
💰 Spanish-Speaking Mortgage Broker | NMLS 457837
📍 Team Licensed in 45+ States | FHA, VA & Mobile Home Loans for First-Time Buyers
MortgageLiz Team Powered By UMortgage
📲 (760) 214-3647
✉️ [email protected]

10/21/2025

🚨 𝐂𝐨𝐧𝐝𝐨 𝐀𝐥𝐞𝐫𝐭 𝐟𝐨𝐫 𝐑𝐞𝐚𝐥𝐭𝐨𝐫𝐬 🚨⁣
⁣
Just ran into a condo that didn’t meet the deductible requirement for a Conventional loan — and this one’s important to understand.⁣
⁣
👉 𝐅𝐚𝐧𝐧𝐢𝐞 𝐌𝐚𝐞 & 𝐅𝐫𝐞𝐝𝐝𝐢𝐞 𝐌𝐚𝐜 𝐛𝐨𝐭𝐡 𝐫𝐞𝐪𝐮𝐢𝐫𝐞 that the HOA’s master insurance policy deductible cannot exceed 5% of the building’s total coverage amount.⁣
If it does, that condo is considered 𝐧𝐨𝐧-𝐰𝐚𝐫𝐫𝐚𝐧𝐭𝐚𝐛𝐥𝐞 — meaning it’s 𝐧𝐨𝐭 𝐞𝐥𝐢𝐠𝐢𝐛𝐥𝐞 𝐟𝐨𝐫 𝐂𝐨𝐧𝐯𝐞𝐧𝐭𝐢𝐨𝐧𝐚𝐥 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐧𝐠 no matter which lender you use.⁣
⁣
So what happens?⁣
You’re left with 𝐍𝐨𝐧-𝗪𝐚𝐫𝐫𝐚𝐧𝐭𝐚𝐛𝐥𝐞 / 𝐍𝐨𝐧-𝐐𝐌 𝐥𝐨𝐚𝐧 𝐨𝐩𝐭𝐢𝐨𝐧𝐬, which come with 𝐡𝐢𝐠𝐡𝐞𝐫 𝐢𝐧𝐭𝐞𝐫𝐞𝐬𝐭 𝐫𝐚𝐭𝐞𝐬, 𝐡𝐢𝐠𝐡𝐞𝐫 𝐜𝐨𝐬𝐭𝐬, 𝐚𝐧𝐝 𝐥𝐢𝐦𝐢𝐭𝐞𝐝 𝐟𝐥𝐞𝐱𝐢𝐛𝐢𝐥𝐢𝐭𝐲.⁣
⁣
If your client is “rate sensitive,” this is not a “date the rate” moment — they’ll really need to want or love that condo to make it worthwhile. ❤️⁣
⁣
The only way to fix it long-term is for the 𝐇𝐎𝐀 𝐭𝐨 𝐥𝐨𝐰𝐞𝐫 𝐭𝐡𝐞 𝐝𝐞𝐝𝐮𝐜𝐭𝐢𝐛𝐥𝐞 on their insurance policy to meet the 5% Fannie/Freddie standard.⁣
⁣
I was referred to this by the listing agent — and both other lenders involved were trying to push it Conventional too.⁣
⁣
💡 𝘙𝘦𝘮𝘪𝘯𝘥𝘦𝘳: 𝘐𝘵’𝘴 𝘯𝘰𝘵 𝘵𝘩𝘦 𝘭𝘦𝘯𝘥𝘦𝘳 — 𝘪𝘵’𝘴 𝘵𝘩𝘦 𝘤𝘰𝘯𝘥𝘰’𝘴 𝘪𝘯𝘴𝘶𝘳𝘢𝘯𝘤𝘦 𝘱𝘰𝘭𝘪𝘤𝘺.⁣
⁣
Not what anyone wants to hear, but hey… better to know upfront before your buyer wastes time or money.

Liz LeFore
💰 Spanish-Speaking Mortgage Broker | NMLS 457837
📍 Licensed in 45+ States | Specializing in FHA, VA, and Mobile Home Loans for First-Time Buyers
MortgageLiz Team Powered By UMortgage
📲 (760) 214-3647
✉️ [email protected]

10/13/2025

I help homebuyers and families all across Indiana 🌽 get the financing they need—whether it's buying your first home or refinancing the one you already own.

🎯 First-time buyer?

💰 Looking to save on your monthly payment?

Either way—I’ve got options for you.

Let’s make a plan that works for YOU! 👉 www.CallMortgageLiz.com

𝐋𝐢𝐳 𝐋𝐞𝐅𝐨𝐫𝐞
💰 Spanish-Speaking Mortgage Broker | NMLS 457837
📍 Team Licensed in 45+ States | FHA • VA • First-Time Buyer Help
MortgageLiz Team Powered By UMortgage
📲 (760) 214-3647
✉️ [email protected]

10/13/2025

Only 8 out of 100 people know the minimum down payment required for a conventional home loan. Most overestimate what’s really needed. If you want more information about what’s actually required, talk to a trusted lender. Let’s make a plan that works for YOU ➡️ www.CallMortgageLiz.com

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𝐋𝐢𝐳 𝐋𝐞𝐅𝐨𝐫𝐞
💰 Spanish-Speaking Mortgage Broker | NMLS 457837
📍 Team Licensed in 45+ States | FHA • VA • First-Time Buyer Help
MortgageLiz Team Powered By UMortgage
📲 (760) 214-3647
✉️ [email protected]

10/09/2025

Thinking About Buying a Home? 🏡

You don’t have to figure it all out on your own.

Whether you're wondering if now’s the right time, worried about interest rates, or just need a roadmap—you’ve got help.

📘 Grab your FREE Home Buyer Guide below.

It breaks down what to expect, what’s happening with the market, and how to prepare for a smart move. 👉 http://bit.ly/44wQxqb

—

Liz LeFore
💰 Spanish-Speaking Mortgage Broker | NMLS 457837
📍 Team Licensed in 45+ States | FHA • VA • First-Time Buyer Help
MortgageLiz Team Powered By UMortgage
📲 (760) 214-3647
✉️ [email protected]

—

10/09/2025

💥💥Here is A Stunning Property in Solana Beach, CA💥💥

Live the coastal🌊lifestyle in this beautiful😍beach front single level home🏠, just steps from the sand🩴in one of Solana Beach’s most sought-after communities📍. Bathed in natural light☀️, this home🗝️features fresh paint👌, stainless steel appliances😲, and stunning ocean views🏖️that create a serene, airy🍃atmosphere. This community🏘️offers two swimming pools🏊‍♂️, a relaxing jacuzzi🫧, tennis courts🎾, and beautifully landscaped grounds🌺, making every day feel like a vacation💎.

🏠 Sales Price $2,000,000
🛏 3 Bed
🛁 2.5 Bath
🌳 1,586 Sq. Ft.

Reach Out For Showing
David Taxer | Realtor DRE 02043351
Compass
📲Direct: 760.470.0560
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Thinking about buying a home or refinancing? Let’s talk 👉 www.CallMortgageLiz.com
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𝐋𝐢𝐳 𝐋𝐞𝐅𝐨𝐫𝐞
💰 Spanish-Speaking Mortgage Broker | NMLS 457837
📍 Team Licensed in 45+ States | FHA • VA • First-Time Buyer Help
MortgageLiz Team Powered By UMortgage
📲 (760) 214-3647
✉️ [email protected]

This is "515 S Sierra Ave Unit 130 Reel v2 (1)" by Erika Jagel on Vimeo, the home for high quality videos and the people who love them.

10/08/2025

💬 “VA loan purchase closed in 21 days!” 🙌

That’s how we roll—clear expectations, fast results, and happy clients.

When our Realtor partners trust us with their buyers, we don’t just show up—we deliver. Every. Single. Time.

Let’s help more families together. Start here 👉 www.CallMortgageLiz.com

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𝐋𝐢𝐳 𝐋𝐞𝐅𝐨𝐫𝐞
💰 Spanish-Speaking Mortgage Broker | NMLS 457837
📍 Team Licensed in 45+ States | FHA • VA • First-Time Buyer Help
MortgageLiz Team Powered By UMortgage
📲 (760) 214-3647
✉️ [email protected]

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