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]
U.S. Mortgage Market Update — December 2025: Rates Drift Down
U.S. Mortgage Market Update — December 2025
As we move into the final month of 2025, the mortgage market is showing signs of cooling — and some opportunity for homebuyers and refinancers. Below is a snapshot of where things stand, and what to watch for in the weeks ahead.
📉 Rates Have Drifted Down — Maybe an Opportunity
As of early December, the average rate for a 30‑year fixed mortgage in the U.S. has dipped to about 6.19% — 6.23%, according to Freddie Mac and other national surveys.
That’s a modest drop from earlier in 2025, when rates spent much of the year hovering above the 6.7%–7.0% range.
Even 15‑year fixed mortgages are trending downward, with averages around 5.44%–5.51%.
In short: rates have moved off their 2025 highs and are now near their lowest levels in over a year — creating a slightly more favorable rate climate.
🔮 What’s Driving This — And What Could Influence Future Movements
Part of the drop reflects expectations around short‑term interest rate cuts by the Federal Reserve. While the Fed’s moves don’t always translate directly into mortgage‑rate changes, they do influence the broader yield environment that underlies mortgage pricing.
That said, even if the Fed cuts next week, some analysts warn the impact on long-term mortgages may be limited — meaning rates might not tumble dramatically.
Meanwhile, home affordability remains a concern. Even with better rates, high home prices and economic uncertainty (job growth, employment conditions, etc.) continue to drive caution among buyers.
🏡 What This Means for Buyers, Refinancers & Brokers
For buyers: If you’ve been waiting for rates to ease before locking in — now could be a good window. Prices are lower than mid‑year peaks, and 30‑year rates have dropped modestly.
For homeowners looking to refinance: Falling rates and stable conditions could make refinancing more attractive — but timing is still key. With potential Fed moves and market volatility ahead, comparing offers and locking in when you find favorable terms remains wise.
For brokers/ISOs (like those working with Eli Sklar Loans): This environment might revive some demand. Borrowers may now be more open to re‑examining their financing — especially those who sat out earlier rounds of high rates. A good time to engage leads, highlight rate drops, and push preapproval or refinance conversation.
🎯 What to Watch in December & Early 2026
Fed decisions and subsequent market reactions — which could cause swings in long-term mortgage yields.
New economic data (inflation reports, employment) that influences investor sentiment and bond yields.
Home price trends: if prices continue rising, even relatively “low” mortgage rates may not translate into better affordability.
Inventory and supply dynamics: housing supply remains tight in many markets, which could counterbalance interest‑rate improvements and keep home prices elevated.
🧭 Bottom Line
At the moment, mortgage rates have drifted downward — no longer at 2025 highs, but not at rock‑bottom either. For many buyers and homeowners, this may be a “sweet spot”: rates low enough to matter, but before any potential year‑end volatility.
If you’re working with clients (or are a client yourself) and rates make sense — now might be the time to lock something in.
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
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+1 (516) 902‑8593