Boris Smolgovsky - Mortgage Loan Consultant

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

Call Directions Website

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

10/16/2026

🎯I'm your WEEKEND MORTGAGE WARRIOR. Always open and ready for your home loan. Happy Friday, Enjoy Hot Weekend!
💥𝗣𝗨𝗥𝗖𝗛𝗔𝗦𝗘 MORTGAGE LOANS
💥𝗥𝗘𝗙𝗜𝗡𝗔𝗡𝗖𝗘 MORTGAGE LOANS
💥𝗜𝗡𝗩𝗘𝗦𝗧𝗠𝗘𝗡𝗧 MORTGAGE LOANS
💥𝗙𝗜𝗥𝗦𝗧 𝗧𝗜𝗠𝗘 𝗛𝗢𝗠𝗘 𝗕𝗨𝗬𝗘𝗥𝗦
🛑 Thinking about buying, refinancing or planning ahead for a future mortgage loan?
𝐂𝐎𝐍𝐓𝐀𝐂𝐓 Boris Smolgovsky - Mortgage Loan Consultant
📞 Call 925-699-1210
📩 DM

10/14/2026

💥𝐏𝐔𝐑𝐂𝐇𝐀𝐒𝐄 𝐎𝐑 𝐑𝐄-𝐅𝐈𝐍𝐀𝐍𝐂𝐄. 𝐈𝐍𝐕𝐄𝐒𝐓𝐎𝐑 𝐃𝐒𝐂𝐑 (𝐃𝐞𝐛𝐭 𝐒𝐞𝐫𝐯𝐢𝐜𝐞 𝐂𝐨𝐯𝐞𝐫𝐚𝐠𝐞 𝐑𝐚𝐭𝐢𝐨) 𝐌𝐎𝐑𝐓𝐆𝐀𝐆𝐄 𝐋𝐎𝐀𝐍 𝐎𝐏𝐏𝐎𝐑𝐓𝐔𝐍𝐈𝐓𝐈𝐄𝐒.
DSCR mortgage loans allow borrowers to qualify for a loan ONLY based on the property cash flow, and without their personal income or assets. EASY, FAST AND NO HASSLE. DSCR loans are an excellent way to fund your deals without personal income dependency.

𝑯𝒐𝒘 𝑫𝒐𝒆𝒔 𝑫𝑺𝑪𝑹 𝑳𝒐𝒂𝒏𝒔 𝑾𝒐𝒓𝒌? Lenders will evaluate your DSCR score before making a loan. A DSCR of less than 1 indicates a negative cash flow, which suggests that you won’t be able to meet or pay current debt commitments without using your personal funds every month.

The DSCR is calculated by dividing a borrower’s 𝒏𝒆𝒕 𝒐𝒑𝒆𝒓𝒂𝒕𝒊𝒏𝒈 𝒊𝒏𝒄𝒐𝒎𝒆 (𝑵𝑶𝑰) by their 𝑫𝒆𝒃𝒕 𝒔𝒆𝒓𝒗𝒊𝒄𝒆: 𝒕𝒐𝒕𝒂𝒍 𝒂𝒎𝒐𝒖𝒏𝒕 𝒐𝒇 𝒅𝒆𝒃𝒕 𝒑𝒂𝒚𝒎𝒆𝒏𝒕𝒔 𝒅𝒖𝒆, 𝒊𝒏𝒄𝒍𝒖𝒅𝒊𝒏𝒈 𝒃𝒐𝒕𝒉 𝒑𝒓𝒊𝒏𝒄𝒊𝒑𝒂𝒍 𝒂𝒏𝒅 𝒊𝒏𝒕𝒆𝒓𝒆𝒔𝒕.
• 𝒏𝒆𝒕 𝒐𝒑𝒆𝒓𝒂𝒕𝒊𝒏𝒈 𝒊𝒏𝒄𝒐𝒎𝒆 (𝑵𝑶𝑰): This is the income generated from the investment property after operating expenses, but before debt payments (like interest and principal on loans).
• 𝑫𝒆𝒃𝒕 𝒔𝒆𝒓𝒗𝒊𝒄𝒆: This refers to the total annual debt obligations, including both the principal and interest payments that the borrower must make on their loan.

💰𝑾𝒉𝒚 𝑰𝒕 𝑴𝒂𝒕𝒕𝒆𝒓𝒔:
• A 𝑫𝑺𝑪𝑹 𝒈𝒓𝒆𝒂𝒕𝒆𝒓 𝒕𝒉𝒂𝒏 1 means the borrower has enough income to cover their debt payments. There will be a lower interest rate benefit.
• A 𝑫𝑺𝑪𝑹 𝒍𝒆𝒔𝒔 𝒕𝒉𝒂𝒏 1 means the borrower does not have enough income to cover the debt payments and may have higher interest rate/cost. personal income review to qualify may be needed.
𝐓𝐇𝐈𝐒 𝐈𝐒 𝐀 𝐆𝐑𝐄𝐀𝐓 𝐀𝐋𝐓𝐄𝐑𝐍𝐀𝐓𝐈𝐕𝐄 𝐅𝐎𝐑 𝐈𝐍𝐕𝐄𝐒𝐓𝐎𝐑𝐒!
🛑 Thinking about buying, refinancing or planning ahead for a future mortgage loan?
𝐂𝐎𝐍𝐓𝐀𝐂𝐓 Boris Smolgovsky - Mortgage Loan Consultant
📞 Call 925-699-1210 or 📩 DM

10/12/2026

I DO HOME FINANCING MORTGAGE LOANS!
⏰ Open 24/7
🛑 Thinking about buying, refinancing or planning ahead for a future mortgage loan?
𝐂𝐎𝐍𝐓𝐀𝐂𝐓 Boris Smolgovsky - Mortgage Loan Consultant
📞 Call 925-699-1210 or 📩 DM
💥𝗣𝗨𝗥𝗖𝗛𝗔𝗦𝗘 MORTGAGE LOANS
💥𝗥𝗘𝗙𝗜𝗡𝗔𝗡𝗖𝗘 MORTGAGE LOANS
💥𝗜𝗡𝗩𝗘𝗦𝗧𝗠𝗘𝗡𝗧 MORTGAGE LOANS
💥𝗙𝗜𝗥𝗦𝗧 𝗧𝗜𝗠𝗘 𝗛𝗢𝗠𝗘 𝗕𝗨𝗬𝗘𝗥𝗦

10/09/2026

😊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

10/07/2026

🏡 𝗖𝗼𝘂𝗹𝗱 𝘀𝗲𝗹𝗹𝗲𝗿 𝗰𝗿𝗲𝗱𝗶𝘁𝘀 𝗔𝗡𝗗 𝗥𝗮𝘁𝗲 𝗕𝗨𝗬-𝗗𝗢𝗪𝗡 𝗺𝗮𝗸𝗲 𝘆𝗼𝘂𝗿 𝗻𝗲𝘅𝘁 𝗵𝗼𝗺𝗲 𝗺𝗼𝗿𝗲 𝗮𝗳𝗳𝗼𝗿𝗱𝗮𝗯𝗹𝗲 𝗿𝗶𝗴𝗵𝘁 𝗻𝗼𝘄?
In today’s market, the purchase price is not the only number worth negotiating. A seller credit may help cover eligible closing costs, prepaid expenses, or a 𝘁𝗲𝗺𝗽𝗼𝗿𝗮𝗿𝘆 𝗶𝗻𝘁𝗲𝗿𝗲𝘀𝘁-𝗿𝗮𝘁𝗲 𝗯𝘂𝘆𝗱𝗼𝘄𝗻. A 𝟐-𝟏 𝐫𝐚𝐭𝐞 𝐛𝐮𝐲𝐝𝐨𝐰𝐧, for example, can lower the buyer’s interest rate for the first two. Here is a simple 𝟮-𝟭 𝘁𝗲𝗺𝗽𝗼𝗿𝗮𝗿𝘆 𝗯𝘂𝘆𝗱𝗼𝘄𝗻 example on a $𝟳𝟱𝟬,𝟬𝟬𝟬 𝗹𝗼𝗮𝗻 with a 30-year fixed rate of 𝟲.𝟱𝟬%:

📉 𝗬𝗲𝗮𝗿 𝟭: 𝟰.𝟱𝟬% 𝗿𝗮𝘁𝗲
Estimated principal-and-interest payment: $𝟯,𝟴𝟬𝟬/𝗺𝗼𝗻𝘁𝗵
📉 𝗬𝗲𝗮𝗿 𝟮: 𝟱.𝟱𝟬% 𝗿𝗮𝘁𝗲
Estimated principal-and-interest payment: $4,258/month
📍 𝗬𝗲𝗮𝗿 𝟯 𝗼𝗻𝘄𝗮𝗿𝗱: 𝟲.𝟱𝟬% 𝗿𝗮𝘁𝗲
Estimated principal-and-interest payment: $𝟰,𝟳𝟰𝟭/𝗺𝗼𝗻𝘁𝗵

That is approximately: ✨ $𝟵𝟰𝟬 𝗹𝗲𝘀𝘀 𝗽𝗲𝗿 𝗺𝗼𝗻𝘁𝗵 𝗶𝗻 𝗬𝗲𝗮𝗿 𝟭; ✨ $𝟰𝟴𝟮 𝗹𝗲𝘀𝘀 𝗽𝗲𝗿 𝗺𝗼𝗻𝘁𝗵 𝗶𝗻 𝗬𝗲𝗮𝗿 𝟮; ✨ 𝗔𝗯𝗼𝘂𝘁 $𝟭𝟳,𝟬𝟳𝟬 𝗶𝗻 𝘁𝗼𝘁𝗮𝗹 𝘀𝗲𝗹𝗹𝗲𝗿-𝗳𝘂𝗻𝗱𝗲𝗱 𝗽𝗮𝘆𝗺𝗲𝗻𝘁 𝘀𝗮𝘃𝗶𝗻𝗴𝘀 𝗼𝘃𝗲𝗿 𝘁𝗵𝗲 𝗳𝗶𝗿𝘀𝘁 𝘁𝘄𝗼 𝘆𝗲𝗮𝗿𝘀 creating a more manageable payment while they settle into their new home.

✅ Possible lower upfront cash needed at closing
✅ A lower monthly payment in the early years
✅ More flexibility than simply negotiating the price

A price reduction can be valuable, but it may only reduce the monthly payment by a small amount. In some situations, seller-paid credits can create a bigger immediate impact.

The right strategy depends on the property, loan type, down payment, and the buyer’s long-term plans. But buyers should know this: you may have more negotiating power and financing options than you think.

The goal is not just to get an offer accepted. It is to structure a purchase that feels comfortable after closing.
𝘽𝙚𝙛𝙤𝙧𝙚 𝙮𝙤𝙪 𝙬𝙧𝙞𝙩𝙚 𝙖𝙣 𝙤𝙛𝙛𝙚𝙧, 𝙩𝙖𝙡𝙠 𝙬𝙞𝙩𝙝 Boris Smolgovsky - Mortgage Loan Consultant, 𝙩𝙤 𝙤𝙥𝙩𝙞𝙢𝙞𝙯𝙚 𝙮𝙤𝙪𝙧 𝙨𝙚𝙡𝙡𝙚𝙧-𝙘𝙧𝙚𝙙𝙞𝙩 𝙖𝙣𝙙 𝙧𝙖𝙩𝙚-𝙗𝙪𝙮𝙙𝙤𝙬𝙣 𝙤𝙥𝙩𝙞𝙤𝙣𝙨.
📞 Call 925-699-1210 or DM

10/05/2026

😭Don't wait for the Mortgage Rates to come down! WHEN RATES COME DOWN, HOME PRICES WILL GO UP!
⏰Time is Money
🛑 Thinking about buying, refinancing or planning ahead for a future mortgage loan?
𝐂𝐎𝐍𝐓𝐀𝐂𝐓 Boris Smolgovsky - Mortgage Loan Consultant
📞 Call 925-699-1210 or 📩 DM
💥𝗣𝗨𝗥𝗖𝗛𝗔𝗦𝗘 MORTGAGE LOANS
💥𝗥𝗘𝗙𝗜𝗡𝗔𝗡𝗖𝗘 MORTGAGE LOANS
💥𝗜𝗡𝗩𝗘𝗦𝗧𝗠𝗘𝗡𝗧 MORTGAGE LOANS
💥𝗙𝗜𝗥𝗦𝗧 𝗧𝗜𝗠𝗘 𝗛𝗢𝗠𝗘 𝗕𝗨𝗬𝗘𝗥𝗦

09/30/2026

🤖 𝗦𝗵𝗼𝘂𝗹𝗱 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗕𝗼𝗿𝗿𝗼𝘄𝗲𝗿𝘀 𝗿𝗲𝗹𝘆 𝗼𝗻 𝗔𝗜 𝗲𝘅𝗽𝗲𝗿𝘁𝗶𝘀𝗲 𝗢𝗥 𝗖𝗢𝗡𝗦𝗨𝗟𝗧 𝗪𝗜𝗧𝗛 𝗧𝗛𝗘 𝗠𝗢𝗥𝗧𝗚𝗔𝗚𝗘 𝗣𝗥𝗢𝗙𝗘𝗦𝗦𝗜𝗢𝗡𝗔𝗟?
AI is changing mortgage lending—but borrowers should know exactly where it helps and where human expertise still matters.

Used responsibly, AI can make the loan process faster, clearer, and less frustrating. It can help organize documents, flag missing information early, compare loan scenarios, explain unfamiliar terms in plain English, and keep borrowers updated on next steps. That means fewer surprises and less time chasing paperwork.
⚠️ 𝗜𝗺𝗽𝗼𝗿𝘁𝗮𝗻𝘁: 𝘂𝘀𝗶𝗻𝗴 𝗔𝗜 𝗳𝗼𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲-𝘀𝗽𝗲𝗰𝗶𝗳𝗶𝗰 𝗶𝗻𝗳𝗼𝗿𝗺𝗮𝘁𝗶𝗼𝗻 𝗰𝗮𝗻 𝗺𝗶𝘀𝗹𝗲𝗮𝗱 𝗯𝗼𝗿𝗿𝗼𝘄𝗲𝗿𝘀. 𝗔𝗜 𝗺𝗮𝘆 𝗻𝗼𝘁 𝗵𝗮𝘃𝗲 𝗰𝘂𝗿𝗿𝗲𝗻𝘁 𝗹𝗼𝗮𝗻 𝗴𝘂𝗶𝗱𝗲𝗹𝗶𝗻𝗲𝘀, 𝘂𝗻𝗱𝗲𝗿𝘀𝘁𝗮𝗻𝗱 𝗲𝘃𝗲𝗿𝘆 𝗹𝗲𝗻𝗱𝗲𝗿’𝘀 𝗿𝗲𝗾𝘂𝗶𝗿𝗲𝗺𝗲𝗻𝘁, 𝗼𝗿 𝗮𝗰𝗰𝗼𝘂𝗻𝘁 𝗳𝗼𝗿 𝘁𝗵𝗲 𝗱𝗲𝘁𝗮𝗶𝗹𝘀 𝘁𝗵𝗮𝘁 𝗺𝗮𝘁𝗲𝗿𝗶𝗮𝗹𝗹𝘆 𝗮𝗳𝗳𝗲𝗰𝘁 𝘆𝗼𝘂𝗿 𝗮𝗽𝗽𝗿𝗼𝘃𝗮𝗹, 𝗿𝗮𝘁𝗲, 𝗰𝗼𝘀𝘁𝘀, 𝗮𝗻𝗱 𝗹𝗼𝗮𝗻 𝗼𝗽𝘁𝗶𝗼𝗻𝘀.

A home loan is not just an algorithmic decision. Your income, assets, credit history, property type, future plans, project specifics and even timing can change which financing strategy makes sense.

The best approach is simple: use technology to improve speed and transparency ⚡ while relying on a knowledgeable Mortgage Broker to ask the right questions, spot problems before they become delays and denials, and help structure the right loan.

AI can help streamline the process. The right mortgage professional helps protect the outcome. ✅

If you are considering a purchase, refinance, investment property, or a more complex loan scenario, start with a LIFE CONVERSATION REGARDING YOUR PLANS WITH Boris Smolgovsky - Mortgage Loan Consultant
📞 Call: 925-699-1210 OR 📱DM

09/29/2026

🔥Market mortgage rates at 7.000%? NO, I’M STILL OFFERING 6.500% OR LOWER ON MANY HOME LOAN PROGRAMS! Even more savings with Rate BUY-DOWN options. NO Pre-Payment penalties, re-finance as rates drop.

📞Call now at 925-699-1210 or DM and let’s lock your rate & close fast.

09/28/2026

🔥The picture says it all! I'll do what it takes to get you the best MORTGAGE.
💥𝗣𝗨𝗥𝗖𝗛𝗔𝗦𝗘
💥𝗥𝗘𝗙𝗜𝗡𝗔𝗡𝗖𝗘
💥𝗜𝗡𝗩𝗘𝗦𝗧𝗠𝗘𝗡𝗧
💥𝗙𝗜𝗥𝗦𝗧 𝗧𝗜𝗠𝗘 𝗛𝗢𝗠𝗘 𝗕𝗨𝗬𝗘𝗥𝗦
Many options at the Best Terms!
𝗧𝗵𝗶𝗻𝗸𝗶𝗻𝗴 𝗮𝗯𝗼𝘂𝘁 𝗯𝘂𝘆𝗶𝗻𝗴, 𝗿𝗲𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴 𝗼𝗿 𝗽𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝗮𝗵𝗲𝗮𝗱 -
🛑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

Alerts

Be the first to know and let us send you an email when Boris Smolgovsky - Mortgage Loan Consultant posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Want your business to be the top-listed finance company in San Ramon?