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

06/01/2026

💡Looking for the RIGHT Home Loan options? I have all the answers 😊
𝐂𝐎𝐍𝐓𝐀𝐂𝐓 Boris Smolgovsky - Mortgage Loan Consultant
📞 Call 925-699-1210
📩 DM

05/29/2026

🎯I'm your WEEKEND MORTGAGE WORRIOR. Open 24/7 and ready for your home loan. Happy Weekend! Enjoy!
🛑 Thinking about buying, refinancing or planning ahead for a future mortgage loan?
𝐂𝐎𝐍𝐓𝐀𝐂𝐓 Boris Smolgovsky - Mortgage Loan Consultant
📞 Call 925-699-1210
📩 DM

05/27/2026

𝐒𝐡𝐨𝐮𝐥𝐝 𝐲𝐨𝐮 𝐩𝐚𝐲 𝐨𝐟𝐟 𝐲𝐨𝐮𝐫 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐛𝐞𝐟𝐨𝐫𝐞 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭? 𝐍𝐨𝐭 𝐧𝐞𝐜𝐞𝐬𝐬𝐚𝐫𝐢𝐥𝐲.
There are certain broad pieces of financial advice you'll see often. Aim to save 10 times your salary before your career comes to an end. Withdraw from your retirement savings at a rate of 4% per year. And make certain to kick off retirement completely debt-free.
That last piece of advice isn't totally off. It's generally a good idea to shed costly debt before retirement so you don't have to juggle extra payments when you're living on a fixed income of savings and Social Security. But you may not want to stress out over paying off your mortgage ahead of retirement. Here's why.
𝙉𝙤𝙩 𝙖𝙡𝙡 𝙙𝙚𝙗𝙩 𝙞𝙨 𝙥𝙧𝙤𝙗𝙡𝙚𝙢𝙖𝙩𝙞𝙘 𝙙𝙚𝙗𝙩 - It's definitely a good idea to get rid of high-cost debt before retirement. But your mortgage may not fall into that category. And if so, carrying it into retirement may not be such a terrible thing.
In 2020 and 2021, when mortgage rates fell to record lows, many homeowners refinanced into sub-3% rates. If your mortgage rate is similar and your monthly payments are very affordable, you shouldn't necessarily push yourself to pay off your home before you retire.
𝘽𝙪𝙩 𝙬𝙝𝙖𝙩 𝙮𝙤𝙪 𝙢𝙖𝙮 𝙣𝙤𝙩 𝙧𝙚𝙖𝙡𝙞𝙯𝙚 𝙞𝙨 𝙩𝙝𝙖𝙩 𝙚𝙫𝙚𝙣 𝙖 𝙘𝙤𝙣𝙨𝙚𝙧𝙫𝙖𝙩𝙞𝙫𝙚 𝙥𝙤𝙧𝙩𝙛𝙤𝙡𝙞𝙤 𝙬𝙞𝙡𝙡 𝙥𝙧𝙤𝙗𝙖𝙗𝙡𝙮 𝙜𝙚𝙣𝙚𝙧𝙖𝙩𝙚 𝙖 𝙝𝙞𝙜𝙝𝙚𝙧 𝙧𝙚𝙩𝙪𝙧𝙣 𝙩𝙝𝙖𝙣 2.9%. And if you keep the mortgage and leave your savings alone, you'll maintain more liquidity as opposed to tying up another $100,000 in your house.
Also, don't forget that carrying a mortgage comes with tax benefits. If you itemize on your tax returns, getting to write off the interest you pay on that loan could result in a smaller IRS bill or larger refund.
Don't assume retiring with a mortgage is a good plan. If your mortgage doesn't have such an attractive interest rate and you want a peace of mind, then pay off your home ahead of retirement.

💥BUYING OR RE-FINANCING?
📞𝐂𝐎𝐍𝐓𝐀𝐂𝐓 Boris Smolgovsky - Mortgage Loan Consultant at (925) 699-1210

05/22/2026

🎉Home Loans for Purchase and Refinance. Happy Friday, Enjoy your Long Weekend! Let's Start your NEW HOME LOAN 💥
𝐂𝐎𝐍𝐓𝐀𝐂𝐓 Boris Smolgovsky - Mortgage Loan Consultant
📞 Call 925-699-1210
📩 DM

05/20/2026

𝐔𝐧𝐝𝐞𝐫𝐬𝐭𝐚𝐧𝐝𝐢𝐧𝐠 𝐭𝐡𝐞 𝐂𝐮𝐫𝐫𝐞𝐧𝐭 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐑𝐚𝐭𝐞 𝐂𝐥𝐢𝐦𝐚𝐭𝐞. U.S. mortgage rates are still keeping buyers on their toes, but the market is showing signs of movement that are worth watching closely. Rates are currently sitting in the mid to high 6% range, depending on the source. Freddie Mac’s latest weekly survey put the average 30 year fixed mortgage at 6.36% as of May 14, while daily trackers on May 20 showed rates closer to 6.55%. MBA data also showed the 30 year fixed rate rising to 6.56% for the week ending May 15, with total mortgage applications falling 2.3%.
So, what is driving all this? The biggest factor is the bond market. Mortgage rates usually move with long term Treasury yields, especially the 10 year Treasury. When investors demand higher returns on bonds, lenders often raise mortgage rates too. Recent pressure has come from sticky inflation, uncertainty around Federal Reserve policy, and concerns about heavy U.S. government borrowing.
For homebuyers, this means affordability is still the main challenge. Home prices remain elevated in many areas, and even small rate changes can make a big difference in monthly payments. That said, the market is not frozen. More buyers are becoming strategic, watching rate lock opportunities, and adjusting budgets instead of waiting for a perfect moment that may never arrive.
The takeaway is this: mortgage rates are high because inflation has not fully cooled, bond yields remain under pressure, and lenders are pricing in risk. But the market can shift quickly. If inflation improves and Treasury yields ease, mortgage rates could move lower. For now, smart buyers should focus on what they can control: payment comfort, savings, , and timing their rate lock carefully. The opportunity is still there, but it belongs to buyers who are prepared, flexible, and realistic.
🛑 Thinking about buying, refinancing or planning ahead for a future mortgage?
𝐂𝐎𝐍𝐓𝐀𝐂𝐓 Boris Smolgovsky - Mortgage Loan Consultant
📞 Call 925-699-1210
📩 DM

05/18/2026

New Home Loan - New Beginning! Don't wait, check all options & mortgage rates.
🛑 Thinking about buying, refinancing or planning ahead for a future mortgage?
𝐂𝐎𝐍𝐓𝐀𝐂𝐓 Boris Smolgovsky - Mortgage Loan Consultant
📞 Call 925-699-1210
📩 DM

05/15/2026

🎉Home Loans for Purchase or Refinance. Happy Friday, Enjoy your Weekend! Let's Start your NEW Home LOAN 💥
𝐂𝐎𝐍𝐓𝐀𝐂𝐓 Boris Smolgovsky - Mortgage Loan Consultant
📞 Call 925-699-1210
📩 DM

05/13/2026

𝐒𝐡𝐨𝐮𝐥𝐝 𝐲𝐨𝐮 𝐩𝐚𝐲 𝐨𝐟𝐟 𝐲𝐨𝐮𝐫 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐛𝐞𝐟𝐨𝐫𝐞 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭? 𝐍𝐨𝐭 𝐧𝐞𝐜𝐞𝐬𝐬𝐚𝐫𝐢𝐥𝐲.
There are certain broad pieces of financial advice you'll see often. Aim to save 10 times your salary before your career comes to an end. Withdraw from your retirement savings at a rate of 4% per year. And make certain to kick off retirement completely debt-free.
That last piece of advice isn't totally off. It's generally a good idea to shed costly debt before retirement so you don't have to juggle extra payments when you're living on a fixed income of savings and Social Security. But you may not want to stress out over paying off your mortgage ahead of retirement. Here's why.
𝙉𝙤𝙩 𝙖𝙡𝙡 𝙙𝙚𝙗𝙩 𝙞𝙨 𝙥𝙧𝙤𝙗𝙡𝙚𝙢𝙖𝙩𝙞𝙘 𝙙𝙚𝙗𝙩 - It's definitely a good idea to get rid of high-cost debt before retirement. But your mortgage may not fall into that category. And if so, carrying it into retirement may not be such a terrible thing.
In 2020 and 2021, when mortgage rates fell to record lows, many homeowners refinanced into sub-3% rates. If your mortgage rate is similar and your monthly payments are very affordable, you shouldn't necessarily push yourself to pay off your home before you retire.
𝘽𝙪𝙩 𝙬𝙝𝙖𝙩 𝙮𝙤𝙪 𝙢𝙖𝙮 𝙣𝙤𝙩 𝙧𝙚𝙖𝙡𝙞𝙯𝙚 𝙞𝙨 𝙩𝙝𝙖𝙩 𝙚𝙫𝙚𝙣 𝙖 𝙘𝙤𝙣𝙨𝙚𝙧𝙫𝙖𝙩𝙞𝙫𝙚 𝙥𝙤𝙧𝙩𝙛𝙤𝙡𝙞𝙤 𝙬𝙞𝙡𝙡 𝙥𝙧𝙤𝙗𝙖𝙗𝙡𝙮 𝙜𝙚𝙣𝙚𝙧𝙖𝙩𝙚 𝙖 𝙝𝙞𝙜𝙝𝙚𝙧 𝙧𝙚𝙩𝙪𝙧𝙣 𝙩𝙝𝙖𝙣 2.9%. And if you keep the mortgage and leave your savings alone, you'll maintain more liquidity as opposed to tying up another $100,000 in your house.
Also, don't forget that carrying a mortgage comes with tax benefits. If you itemize on your tax returns, getting to write off the interest you pay on that loan could result in a smaller IRS bill or larger refund.
Don't assume retiring with a mortgage is a good plan. If your mortgage doesn't have such an attractive interest rate and you want a peace of mind, then pay off your home ahead of retirement.
🛑𝙏𝙝𝙞𝙣𝙠𝙞𝙣𝙜 𝙖𝙗𝙤𝙪𝙩 𝙗𝙪𝙮𝙞𝙣𝙜 or 𝙧𝙚𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙣𝙜?
𝐂𝐎𝐍𝐓𝐀𝐂𝐓 Boris Smolgovsky - Mortgage Loan Consultant
📞 Call 925-699-1210
📩 DM

05/11/2026

🎉Your Home Loan is Approved!
🛑 Thinking about buying, refinancing or planning ahead for a future mortgage loan?
𝐂𝐎𝐍𝐓𝐀𝐂𝐓 Boris Smolgovsky - Mortgage Loan Consultant
📞 Call 925-699-1210
📩 DM

05/08/2026

🎉Happy Friday Home Loans by Boris Mortgage! Enjoy your productive weekend and 🎯𝐂𝐎𝐍𝐓𝐀𝐂𝐓 Boris Smolgovsky - Mortgage Loan Consultantif you are Thinking about buying, refinancing or planning ahead for a future mortgage.
📞 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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