Privacy Policy
Last Updated: October 23, 2025
Eli Sklar Consulting (“we,” “our,” or “us”) respects your privacy and is committed to protecting your personal information. This Privacy Policy describes how we collect, use, share, and safeguard your data when you visit www.elisklarloans.com or use our services.
By using our website, you agree to this Privacy Policy. If you do not agree, please do not use our site or services.
1. Information We Collect
We collect personal and non-personal information to provide mortgage consulting and related services.
a. Personal Information
When you contact us, submit a loan inquiry, or request information, we may collect:
Full name
Email address
Phone number
Property and loan details
Employment and income information
Other information required for loan evaluation
b. Non-Personal Information
We may collect limited technical data such as:
Browser type
IP address
Device information
Pages visited and session duration
This information helps us maintain website functionality and improve user experience. We do not use cookies or tracking pixels.
2. How We Use Your Information
We use your information for purposes including:
Evaluating and processing loan inquiries.
Connecting you with appropriate lenders or partners.
Communicating with you about your loan application or related services.
Sending updates, resources, or marketing materials (you can opt out anytime).
Maintaining records for compliance and verification purposes.
Improving our website and customer experience.
3. Information Sharing
We may share your information with:
Lending partners to assess your eligibility and process your loan application.
Service providers who assist in operations such as communications, data storage, or compliance.
Regulatory or legal authorities if required by law or in connection with legal matters.
We do not sell or rent your personal information to any third parties.
4. Marketing and Communication
You may receive occasional communications about mortgage programs, rate updates, or services from Eli Sklar Consulting.
You can opt out of marketing emails at any time by clicking the “Unsubscribe” link or contacting us directly at [email protected].
5. Data Security
We take reasonable administrative, technical, and physical measures to safeguard your information against unauthorized access, disclosure, or misuse. However, no online transmission or electronic storage method is completely secure, and we cannot guarantee absolute security.
6. Your Rights
Depending on your location, you may have the right to:
Access, review, or correct your personal data.
Request deletion of your data when no longer needed.
Withdraw consent to marketing communications.
Request a copy of the data we hold about you.
To exercise your rights, please contact [email protected].
7. Third-Party Links
Our website may contain links to third-party sites or partner portals. We are not responsible for the content, privacy, or security practices of those websites. Please review their respective privacy policies before sharing personal information.
8. Children’s Privacy
Our services are intended for adults aged 18 and older. We do not knowingly collect or maintain information from children under 18 years of age.
9. Updates to This Policy
We may update this Privacy Policy periodically to reflect changes in our practices or for legal compliance. Updates will be posted on this page with the revised “Last Updated” date.
10. Contact Us
If you have questions or requests regarding this Privacy Policy or your personal information, please contact us at:
Eli Sklar Consulting
🌐 elisklarloans.com
📞 +1 (516) 902-8593
✉️ [email protected]
Current Mortgage Rates 2026: What Homebuyers and Refinancers Should Know
🏡 What the Latest Mortgage Rate Trends Mean for Homebuyers — and How to Use Them
Mortgage rates are showing encouraging signs this year, with numbers edging lower and stabilizing near the most favorable levels we've seen in recent years. That’s welcome news for both homebuyers and homeowners considering a refinance — but there’s more to understand beyond the headline rates.
📉 Rates Are Near Multi-Year Lows
30‑year fixed mortgage rates have recently dipped into the low 6% range, down from closer to 7% a year ago.
15‑year fixed rates have also moved lower, giving buyers and refinancers more options for locking in shorter-term loans at attractive rates.
In practical terms, this means lower monthly payments and improved affordability for those entering the market or looking to adjust their current mortgage.
📈 Why Rates Are Moving
Mortgage rates are influenced by a mix of economic factors:
Bond Market Trends: Mortgage rates often follow the direction of long-term government bond yields. When yields ease, mortgage rates tend to drop as well.
Economic Signals: Data like employment trends and inflation can shift investor sentiment, impacting borrowing costs.
Lender Demand: Increased investor interest in mortgage-backed securities can also help push rates downward.
This combination of factors has contributed to a relatively stable rate environment, making it a potentially advantageous time to take action.
💡 What This Means for You
Whether you’re buying your first home, moving up, or considering refinancing, these trends create opportunities:
✔️ For Homebuyers
More affordability: Lower rates translate to smaller monthly payments and more purchasing power.
Timing matters: Locking in a rate now may help secure favorable terms if rates remain stable.
✔️ For Homeowners Considering Refinance
Potential savings: Refinancing could reduce monthly payments or shorten loan terms, improving financial flexibility.
Compare options: Rates vary by lender and loan type, so reviewing multiple programs is key.
📍 Bottom Line
Mortgage rates in early 2026 remain favorable compared to recent years. While they aren’t at historic lows, they’re low enough to make buying or refinancing more attractive than it has been for quite some time.
Working with an experienced lender can help you navigate these opportunities and find a mortgage solution that fits your financial goals. At Eli Sklar Loans, we help clients understand their options and secure mortgage terms that make sense for them.
If you’re thinking about buying or refinancing, now is a great time to explore your options and make informed decisions that can save you money in the long run.
SUCCESS STORIES FROM OUR CLIENTS
I can't thank Eli enough for his assistance in securing a loan for my commercial property. His expertise and attention to detail were remarkable. Eli not only helped me find the right lender but also negotiated favorable terms that fit my financial goals. He made the entire process seamless and stress-free, and I felt confident knowing I had an expert advocating for my best interests. He is a true professional, and I highly recommend his services to anyone seeking a commercial loan.
Mike Erman
Real Estate Agent
Eli is an exceptional loan expert who helped me secure a commercial loan for my business expansion. His deep knowledge of the lending industry and his strong relationships with lenders made the process smooth and efficient. Eli took the time to understand my specific needs and goals, and he went above and beyond to ensure I received the best terms and rates. Thanks to Eli's expertise and dedication, I was able to take my business to the next level. I highly recommend Eli!
Jake Flynn
Real Estate Agent
Working with Eli was a game-changer for me as a real estate investor. His expertise and his ability to identify the right financing options truly impressed me. Eli took the time to understand my investment strategy and found tailored loan solutions that aligned perfectly with my goals. His professionalism, responsiveness, and attention to detail made the entire process stress-free. I am grateful to have had Eli as my trusted partner, and I highly recommend him to anyone!
Jan Brooks
Real Estate Agent
Copyright© Eli Sklar Loans 2025. All Rights Reserved.
+1 (516) 902‑8593