Boris Smolgovsky - Mortgage Loan Consultant

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United States
San Ramon, CA
Boris Smolgovsky - Mortgage Loan Consultant

Your Most Reliable Home Financing Partner! CNA Equity Group, Inc. NMLS # 238115
DRE # 01361455
(1)

My name is Boris Smolgovsky, I have over 12 years of mortgage lending experience and extremely qualified to help you with all of your mortgage needs. In these hectic and stressful times, obtaining a home loan can be one of the most important decisions of your lifetime. I will personally guide you through this process, provide with fully customized mortgage programs and help to make the
decisions

that will be right for you. Whether you're buying a new home, refinancing current home or building a dream home, I have what it takes to meet your needs and I will go the extra mile to help you achieve your goals. As a mortgage broker I represent over 100different lenders with over 100 various discounted programs to offer my clients. I have worked very hard through the years to establish a reputation built on professionalism, honesty, strong and excellent customer service, and loyalty to all of my customers. Please contact me any time for your free and no obligation financial consultation. All types of real estate financing offered:

• Purchase Financing

• As Low as 3.5% Down payment Financing(FHA)

• Re-Financing

• Investment Financing

• Commercial Real Estate Financing

09/02/2026

🏡 Why Rising Treasury Yields Matter for Mortgage Rates

You may have seen headlines about U.S. Treasury yields moving higher. But what does that actually mean for homebuyers and homeowners?

The 10 year Treasury yield is an important benchmark for mortgage rates because it generally moves alongside mortgage-backed securities. When Treasury yields rise, mortgage rates often face upward pressure as well.

Several factors are contributing to the recent increase, including strong economic growth, inflation concerns, increased government borrowing, inflation risks from Middle East energy disruptions, expectations that the Federal Reserve may keep rates higher for longer, and greater competition for investor capital.

For buyers, higher mortgage rates can reduce purchasing power because more of the monthly payment goes toward interest. For homeowners who already have a low fixed rate mortgage, there is usually little immediate impact unless they decide to refinance, move, or take out a new loan.

Rates on new auto loans and other fixed-rate consumer debt also tend to drift higher as market rates and lenders' funding costs rise. Credit-card rates more closely track banks' prime rates, which typically move with Fed policy.

The key takeaway: mortgage rates are influenced by much more than the Federal Reserve decisions alone.Markets can change quickly, and movement in Treasury yields can create both challenges and opportunities. Instead of trying to perfectly time the market, focus on the numbers that matter for your situation, including your monthly payment, available loan programs, down payment, credit profile, and long-term goals.

If you are considering buying, refinancing, or simply want to understand what current market changes could mean for you, connect with Boris Smolgovsky - Mortgage Loan Consultant as soon as possible. A personalized strategy can help you make informed decisions with confidence.
💥𝗧𝗵𝗶𝗻𝗸𝗶𝗻𝗴 𝗮𝗯𝗼𝘂𝘁 𝗯𝘂𝘆𝗶𝗻𝗴, 𝗿𝗲𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴 𝗼𝗿 𝗽𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝗮𝗵𝗲𝗮𝗱 𝗳𝗼𝗿 𝗮 𝗳𝘂𝘁𝘂𝗿𝗲 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲?
𝐂𝐎𝐍𝐓𝐀𝐂𝐓 Boris Smolgovsky - Mortgage Loan Consultant
📞Call 925-699-1210
📱DM

08/19/2026

🏡 𝐀𝐧 𝐚𝐩𝐩𝐫𝐚𝐢𝐬𝐚𝐥 𝐠𝐚𝐩 𝐜𝐚𝐧 𝐜𝐡𝐚𝐧𝐠𝐞 𝐧𝐞𝐰 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐩𝐢𝐜𝐭𝐮𝐫𝐞 🏡
𝗙𝗼𝗿 𝗯𝘂𝘆𝗲𝗿𝘀, an appraisal gap happens when the appraised value comes in lower than the agreed purchase price.
𝙀𝙭𝙖𝙢𝙥𝙡𝙚:
You offer $1,000,000.
The appraisal comes in at $985,000.
That $15,000 difference may need to be picked up by seller or buyer.
Depending on the contract, loan type, seller, and buyer cash available, the options may include renegotiating the price, bringing additional funds, adjusting the loan structure, or finding another solution.
This is why buyers should focus on the offer. Before offering over asking price, ask:
-How much cash do I have available?
-Am I comfortable covering a gap?
-Can the seller renegotiate?
-Does my loan allow flexibility?
-What happens if the appraisal is lower than expected?
𝗙𝗼𝗿 𝗵𝗼𝗺𝗲𝗼𝘄𝗻𝗲𝗿𝘀 𝗿𝗲𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴, the appraisal matters too.
Your home value can affect refinance options, loan to value ratio, mortgage insurance, cash out limits, pricing, and approval. If the appraised value comes in lower than expected, it may reduce available equity or change whether the refinance still makes sense.
That does not mean an appraisal issue always kills the deal. But it does mean the numbers need to be reviewed carefully.
Whether you are buying or refinancing, the appraisal is not just paperwork. It can affect your cash, payment, approval, and strategy.
✅The best move is simple: know the possible value risk, know your available equity or cash, and know your backup plan before emotions take over. A clean mortgage strategy prepares for the appraisal before it arrives.
💥𝗧𝗵𝗶𝗻𝗸𝗶𝗻𝗴 𝗮𝗯𝗼𝘂𝘁 𝗯𝘂𝘆𝗶𝗻𝗴, 𝗿𝗲𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴 𝗼𝗿 𝗽𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝗮𝗵𝗲𝗮𝗱 𝗳𝗼𝗿 𝗮 𝗳𝘂𝘁𝘂𝗿𝗲 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲?
𝐂𝐎𝐍𝐓𝐀𝐂𝐓 Boris Smolgovsky - Mortgage Loan Consultant
📞Call 925-699-1210
📱DM

08/17/2026

Want to know your Mortgage options? Let's have a Reading🎱
𝗧𝗵𝗶𝗻𝗸𝗶𝗻𝗴 𝗮𝗯𝗼𝘂𝘁 𝗯𝘂𝘆𝗶𝗻𝗴, 𝗿𝗲𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴 𝗼𝗿 𝗽𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝗮𝗵𝗲𝗮𝗱 -
🛑𝐂𝐎𝐍𝐓𝐀𝐂𝐓 Boris Smolgovsky - Mortgage Loan Consultant
📞Call 925-699-1210
📱DM

08/14/2026

😊Hooray, It's Friday! Best time for a new MORTGAGE LOAN WITH BORIS! 🎉I work all weekend! Enjoy and Save With Boris Home Loans!
𝗧𝗵𝗶𝗻𝗸𝗶𝗻𝗴 𝗮𝗯𝗼𝘂𝘁 𝗯𝘂𝘆𝗶𝗻𝗴, 𝗿𝗲𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴 𝗼𝗿 𝗽𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝗮𝗵𝗲𝗮𝗱 -
🛑𝐂𝐎𝐍𝐓𝐀𝐂𝐓 Boris Smolgovsky - Mortgage Loan Consultant
📞Call 925-699-1210
📱DM

08/12/2026

𝐏𝐥𝐚𝐜𝐢𝐧𝐠 𝐑𝐞𝐚𝐥 𝐄𝐬𝐭𝐚𝐭𝐞 𝐢𝐧 𝐚 𝐓𝐫𝐮𝐬𝐭: 𝐘𝐞𝐬 𝐨𝐫 𝐍𝐨?
Placing real estate in a trust can offer estate planning, privacy, probate, and asset protection benefits, but it also comes with important tradeoffs.
𝑯𝒐𝒘 𝑻𝒐 𝑼𝒔𝒆 𝑨 𝑻𝒓𝒖𝒔𝒕 𝑻𝒐 𝑷𝒓𝒐𝒕𝒆𝒄𝒕 𝑹𝒆𝒂𝒍 𝑷𝒓𝒐𝒑𝒆𝒓𝒕𝒚. A trust is an arrangement in which a trustee holds your property. This can help protect you from certain liabilities, such as legal actions, seizures from creditors, and some taxes. Trusts are a common component of estate planning since they help preserve wealth for your heirs.
𝐑𝐞𝐯𝐨𝐜𝐚𝐛𝐥𝐞 𝐓𝐫𝐮𝐬𝐭:
You generally retain control of the property and can change or revoke the trust. The property usually remains part of your estate, but assets properly held in the trust may avoid probate and pass more efficiently to beneficiaries.
𝐈𝐫𝐫𝐞𝐯𝐨𝐜𝐚𝐛𝐥𝐞 𝐓𝐫𝐮𝐬𝐭:
You generally give up significant control over the property. Depending on the structure and applicable law, this may provide greater creditor protection, privacy, or estate tax advantages.
𝐏𝐨𝐭𝐞𝐧𝐭𝐢𝐚𝐥 𝐀𝐝𝐯𝐚𝐧𝐭𝐚𝐠𝐞𝐬:
• Avoid probate and simplify inheritance
• Potentially improve privacy and asset protection
• Help organize the transfer of wealth to beneficiaries
• In some cases, may cost less to maintain than an LLC
𝐏𝐨𝐭𝐞𝐧𝐭𝐢𝐚𝐥 𝐃𝐫𝐚𝐰𝐛𝐚𝐜𝐤𝐬:
• Irrevocable trusts can mean loss of control
• Financing or refinancing may become more complicated
• Insurance requirements or premiums may change
• Tax and creditor protection depends heavily on the trust structure and state law
𝐒𝐨, 𝐬𝐡𝐨𝐮𝐥𝐝 𝐲𝐨𝐮 𝐩𝐮𝐭 𝐫𝐞𝐚𝐥 𝐞𝐬𝐭𝐚𝐭𝐞 𝐢𝐧 𝐚 𝐭𝐫𝐮𝐬𝐭? There is no one size that fits all answers. The right strategy depends on your property, tax situation, financing needs, estate plan, and desired level of control.
Before transferring property, consult an estate planning attorney and tax professional to determine the structure that best fits your goals.
𝗧𝗵𝗶𝗻𝗸𝗶𝗻𝗴 𝗮𝗯𝗼𝘂𝘁 𝗯𝘂𝘆𝗶𝗻𝗴, 𝗿𝗲𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴 𝗼𝗿 𝗽𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝗮𝗵𝗲𝗮𝗱 -
🛑𝐂𝐎𝐍𝐓𝐀𝐂𝐓 Boris Smolgovsky - Mortgage Loan Consultant
📞Call 925-699-1210
📱DM

08/10/2026

Modern age requires MODERN LOAN OPTIONS that will decrease interest rate and free up cash flow. I HAVE THOSE OPTIONS! 𝗧𝗵𝗶𝗻𝗸𝗶𝗻𝗴 𝗮𝗯𝗼𝘂𝘁 𝗯𝘂𝘆𝗶𝗻𝗴, 𝗿𝗲𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴 𝗼𝗿 𝗽𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝗮𝗵𝗲𝗮𝗱 -
🛑𝐂𝐎𝐍𝐓𝐀𝐂𝐓 Boris Smolgovsky - Mortgage Loan Consultant
📞Call 925-699-1210
📱DM

08/07/2026

💰I'm working on your HOME LOAN all weekend long. Happy Friday, Enjoy your Weekend! CALL TO START YOUR PURCHASE OR REFINANCE MORTGAGE LOAN AT THE BEST TERMS.
𝗧𝗵𝗶𝗻𝗸𝗶𝗻𝗴 𝗮𝗯𝗼𝘂𝘁 𝗯𝘂𝘆𝗶𝗻𝗴, 𝗿𝗲𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴 𝗼𝗿 𝗽𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝗮𝗵𝗲𝗮𝗱 -
🛑𝐂𝐎𝐍𝐓𝐀𝐂𝐓 Boris Smolgovsky - Mortgage Loan Consultant
📞Call 925-699-1210
📱DM

08/05/2026

💥𝗔𝘀 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗿𝗮𝘁𝗲𝘀 𝘀𝘂𝗿𝗴𝗲, 𝗮𝗻 𝘂𝗻𝗱𝗲𝗿-𝘁𝗵𝗲-𝗿𝗮𝗱𝗮𝗿 𝗺𝗼𝗻𝗲𝘆-𝘀𝗮𝘃𝗶𝗻𝗴 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝘆 𝗶𝘀 𝗽𝗶𝗰𝗸𝗶𝗻𝗴 𝘂𝗽 𝘀𝘁𝗲𝗮𝗺 𝗮𝗺𝗼𝗻𝗴 𝗵𝗼𝗺𝗲𝗯𝘂𝘆𝗲𝗿𝘀. 𝗥𝗘𝗔𝗗 𝗠𝗢𝗥𝗘!
• More buyers are turning to 2-1 or 1-1 Interest Rate Buydowns and other options for lowering the interest rates on their mortgages.
• A buydown can be worth it if you can get someone else, like a seller or homebuilder, to pay for it.
• Work with your me to understand your options and whether a temporary or permanent rate buydown makes sense for you.
With mortgage rates at ~6.500%, homebuyers are increasingly turning to things like adjustable-rate mortgages, down payment assistance, and interest rate buydowns to cut costs.
Interest rate buydowns can temporarily or permanently lower your mortgage payment, giving you more room in your budget each month. But they aren't always worth what you pay for them.
𝙒𝙝𝙖𝙩 𝙞𝙨 𝙖 2-1 𝙗𝙪𝙮𝙙𝙤𝙬𝙣? With a 2-1 buydown, your interest rate will be reduced by 2% for the 1st year. The next year, it's reduced by 1% from regular rate. After that, it returns to your full regular rate. For example, if your mortgage lender gives you a 6.5% interest rate with a 2-1 buydown, your rate will be 4.5% for the 1st year, 5.5% for the second year, and then it will return to 6.5% for the remainder of the loan term.
𝘛𝘦𝘮𝘱𝘰𝘳𝘢𝘳𝘺 𝘣𝘶𝘺𝘥𝘰𝘸𝘯𝘴 𝘭𝘪𝘬𝘦 2-1 or 1-1 𝘤𝘢𝘯 𝘣𝘦 𝘱𝘢𝘪𝘥 𝘧𝘰𝘳 𝘣𝘺 𝘰𝘵𝘩𝘦𝘳 𝘱𝘢𝘳𝘵𝘪𝘦𝘴 (𝘴𝘦𝘭𝘭𝘦𝘳 𝘰𝘳 𝘣𝘶𝘪𝘭𝘥𝘦𝘳) 𝘵𝘰 𝘢𝘵𝘵𝘳𝘢𝘤𝘵 𝘩𝘰𝘮𝘦𝘣𝘶𝘺𝘦𝘳𝘴 𝘪𝘯 a 𝘴𝘭𝘰𝘸𝘦𝘳 𝘮𝘢𝘳𝘬𝘦𝘵𝘴. You can try negotiating a seller-paid buydown, but whether you're likely to be successful depends on your market and the property.
𝙋𝙖𝙮 𝙛𝙤𝙧 𝙞𝙩 𝙮𝙤𝙪𝙧𝙨𝙚𝙡𝙛. You can also pay for your own temporary buydown, but your money may be better spent elsewhere, such as padding your down payment or paying for a permanent buydown through discount points.

𝗧𝗵𝗶𝗻𝗸𝗶𝗻𝗴 𝗮𝗯𝗼𝘂𝘁 𝗯𝘂𝘆𝗶𝗻𝗴, 𝗿𝗲𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴 𝗼𝗿 𝗽𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝗮𝗵𝗲𝗮𝗱 -
🛑𝐂𝐎𝐍𝐓𝐀𝐂𝐓 Boris Smolgovsky - Mortgage Loan Consultant
📞Call 925-699-1210
📱DM

08/03/2026

New mortgage loan should not be stressful with the RIGHT MORTGAGE BROKER! I'm making Mortgages Fun Again! Ready?
𝗧𝗵𝗶𝗻𝗸𝗶𝗻𝗴 𝗮𝗯𝗼𝘂𝘁 𝗯𝘂𝘆𝗶𝗻𝗴, 𝗿𝗲𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴 𝗼𝗿 𝗽𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝗮𝗵𝗲𝗮𝗱 -
🛑𝐂𝐎𝐍𝐓𝐀𝐂𝐓 Boris Smolgovsky - Mortgage Loan Consultant
📞Call 925-699-1210
📱DM

07/31/2026

Happy Friday! No Weekend Plans? Call Boris Mortgage and start your Purchase or Refinance Home Loan.
𝐂𝐎𝐍𝐓𝐀𝐂𝐓 Boris Smolgovsky - Mortgage Loan Consultant
📞 Call 925-699-1210
📩 DM

Address

2610 Crow Canyon Road
San Ramon, CA
94583

Telephone

+19256991210

Website

http://www.loanbroker4u.com/, https://www.instagram.com/borismortgage/, https://www.linkedin.com/in/boris-smolgovsky-641

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