The Kopelson Team with Arbor Financial Group

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The Kopelson Team with Arbor Financial Group Rated top mortgage broker and lender in Orange County, CA.

At Alliance West Mortgage we are committed to responsible mortgage lending, and helping you find a home-loan you can comfortably afford.

California just made it cheaper to build an ADU, effective January 1, 2027.SB 1117 is now law, and it wipes out one of t...
10/17/2026

California just made it cheaper to build an ADU, effective January 1, 2027.

SB 1117 is now law, and it wipes out one of the sneakiest ADU costs. Before, a homeowner building a 900 sq ft ADU could owe impact fees on all 900 feet once they crossed 750. Starting January 1, 2027, the city can only charge on the footage above 750, for the first two ADUs on the lot. Lawmakers say that 'fee cliff' was costing homeowners $12,000 to $28,000 and killing projects. If an ADU has been on your wish list, the math gets friendlier in 2027, and the financing question is the same one it always was: a renovation loan sized on the home's after-renovation value, or a HELOC on what the home is worth today. Worth running both numbers before you pick.

Choosing between a 15-year and 30-year mortgage is about more than how quickly you want to pay off your home. A shorter ...
10/16/2026

Choosing between a 15-year and 30-year mortgage is about more than how quickly you want to pay off your home. A shorter term can save you interest, but higher monthly payments may leave less room for savings, investments, and other priorities. A longer term typically offers lower payments and more flexibility. I can help you compare monthly payments and long-term costs to find the option that best fits your financial goals. Have questions? Send me a message; I'm happy to help you explore your options!

Inflation is running hot again. September wholesale prices (PPI) jumped 1.3% in a single month, the biggest increase sin...
10/15/2026

Inflation is running hot again. September wholesale prices (PPI) jumped 1.3% in a single month, the biggest increase since March 2022, and are up 6.3% from a year ago. That is the second straight hot inflation report this week after yesterday's CPI. Gasoline drove about half the gain, but services rose 0.8% too, so this is not just an energy story. When inflation prints hot like this, mortgage rates tend to feel the pressure. If you are deciding between locking and floating, it is worth talking through your options today. Send me a message.

Inflation picked up in September, with headline CPI rising 0.6% MoM, largely driven by higher gas and energy costs. The ...
10/14/2026

Inflation picked up in September, with headline CPI rising 0.6% MoM, largely driven by higher gas and energy costs. The annual rate climbed to 3.7%, while core inflation, which excludes food and energy, rose to 2.6%.

The MBS Highway National Housing Index fell to 15 in October, down from 22 in September, marking its fifth consecutive m...
10/14/2026

The MBS Highway National Housing Index fell to 15 in October, down from 22 in September, marking its fifth consecutive monthly decline. After reaching a seasonal high of 47 in May, the index has continued to weaken, with both buyer activity and home price direction declining sharply from the previous month.

Property taxes are an important part of the overall cost of owning a home and can vary significantly from one location t...
10/14/2026

Property taxes are an important part of the overall cost of owning a home and can vary significantly from one location to another. They can also change over time, which is why it's important to consider more than just the home's purchase price when evaluating your options. Before making an offer, look into the property's current property taxes so you have a better idea of the ongoing costs associated with the home. Send me a message and I can help you estimate what your total monthly payment could look like.

It is CPI eve. Zillow's latest outlook has the 30-year fixed rate easing to 7.1% by the end of 2026, and MBA's chief eco...
10/13/2026

It is CPI eve. Zillow's latest outlook has the 30-year fixed rate easing to 7.1% by the end of 2026, and MBA's chief economist expects it to average 7.3% in the fourth quarter and stay above 7% through 2027.

September CPI lands tomorrow morning at 8:30am ET, and that print is the swing input into the Fed's October 28-29 vote. When inflation prints hot, mortgage rates tend to move.

If you are deciding between locking and floating, it is worth talking through the options before tomorrow morning. Send me a message.

Existing home sales rose 1.5% from August to September, reaching a seasonally adjusted annual rate of 3.99 million homes...
10/13/2026

Existing home sales rose 1.5% from August to September, reaching a seasonally adjusted annual rate of 3.99 million homes. However, sales were 2.2% below year-ago levels. Home sales data is one of the inputs that can move mortgage rates, so it is worth watching if you are planning a purchase. Send me a message and we can talk through what it means for your plans.

It is inflation week. Bonds are closed today, so mortgage pricing is frozen until tomorrow. Then the data lands fast: ex...
10/12/2026

It is inflation week. Bonds are closed today, so mortgage pricing is frozen until tomorrow. Then the data lands fast: existing home sales Tuesday, CPI Wednesday morning, and PPI plus retail sales Thursday.

When inflation prints hot, mortgage rates tend to move. If you are deciding between locking and floating this week, it is worth talking through the options before Wednesday morning. Send me a message.

Price is not the only thing you can negotiate when buying a home. In some cases, you may also be able to discuss seller ...
10/09/2026

Price is not the only thing you can negotiate when buying a home. In some cases, you may also be able to discuss seller help with closing costs or a rate buydown, repairs, and other terms. The right strategy depends on the home, the market, and your financing. If you are preparing to make an offer, send me a message and we can talk through what to prioritize.

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1805 E. Garry Avenue
Santa Ana, CA
92705

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Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm
Saturday 10am - 4pm

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