BORIS SMOLGOVSKY

2303 Camino Ramon, Ste 160
San Ramon, CA 94583

(925) 244-1099 | (800) 323-7975
Fax: (925) 244-1148

NMLS # 238115 | DRE # 01361455

BORIS SMOLGOVSKY image

BORIS SMOLGOVSKY

2303 Camino Ramon, Ste 160
San Ramon, CA 94583

(925) 244-1099 | (800) 323-7975
Fax: (925) 244-1148

NMLS # 238115 | DRE # 01361455

BORIS SMOLGOVSKY image
Sunday, January 12, 2025
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We know that each customer has specific needs and we strive to meet those specific needs with quality service and individual attention. We pride ourselves in giving you the mortgage information, loan options and convenient assistance you're looking for.

With a variety of loan programs and an established network of lenders behind us, we will find the loan that best suits your needs, at a very competitive rate. We offer conforming, non-conforming and government loan programs.

Let us guide you through the home buying or refinancing process, and provide you with the best service available.

We know that each customer has specific needs and we strive to meet those specific needs with quality service and individual attention. We pride ourselves in giving you the mortgage information, loan options and convenient assistance you're looking for.

With a variety of loan programs and an established network of lenders behind us, we will find the loan that best suits your needs, at a very competitive rate. We offer conforming, non-conforming and government loan programs.

Let us guide you through the home buying or refinancing process, and provide you with the best service available.

Refinance Today

If your current interest rate is significantly higher than today's lowest rates, you may be able to roll your loan costs into the loan and still get a lower rate than you have today, thereby reducing your interest payments and saving money immediately. Have a loan consultant contact you to find out if you can save money by refinancing.

If your current interest rate is significantly higher than today's lowest rates, you may be able to roll your loan costs into the loan and still get a lower rate than you have today, thereby reducing your interest payments and saving money immediately. Have a loan consultant contact you to find out if you can save money by refinancing.

Market Commentary

Updated on January 10, 2025 10:08:34 AM EST

Today’s big news was the release of December’s Employment report that indicated the employment sector was much stronger than expected last month. It revealed a 4.1% unemployment rate, down from November’s 4.2%. There were 256,000 new jobs added to the economy, greatly exceeding the 155,000 that was expected by analysts. If there was any good news in the report, it would have to be the average earnings readings. December earnings met expectations of up 0.3%, but year-over-year the 3.9% rate was slightly below predictions of 4.0%. Unfortunately for mortgage rates the payroll and unemployment rate headlines are drawing the most attention.
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