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]
Fed Rate Cuts Could Be Coming: What It Means for Borrowers
The U.S. economy may be entering a new phase, as signs emerge that the Federal Reserve could ease its monetary policy soon. This potential shift comes in response to evolving labor market conditions, signaling that inflation is under control and the economy is stabilizing. Here’s what this means for the mortgage market and homebuyers.
Why Rate Cuts Are Expected
Recent reports indicate a cooling labor market, with job growth slowing and unemployment ticking slightly higher. Wage inflation has also moderated, easing concerns about the economy overheating. As inflation continues to decline — with the latest data showing it well within the Fed’s target range — economists believe the Fed may cut interest rates as early as Q4 2024.
Lower rates would be a welcome relief for borrowers, as the Fed's aggressive hikes over the past two years significantly pushed up borrowing costs for consumers, especially in the mortgage sector.
Impact on Mortgage Rates and Homebuyers
Although the Federal Reserve’s actions don't directly control mortgage rates, they heavily influence them. Mortgage rates, currently at their lowest in two years, could drop further if the Fed reduces its benchmark rate. This would increase affordability and attract buyers who have been waiting on the sidelines for better borrowing conditions.
However, with more favorable rates, demand could quickly rise, leading to increased competition and upward pressure on home prices. Prospective buyers should consider acting promptly before market activity accelerates.
What This Means for the Housing Market
The housing market is already showing signs of recovery, with active inventory up by over 30% year-over-year and homes spending longer on the market. If mortgage rates decline further, sellers may see renewed interest, potentially reversing the recent trend of price cuts. Buyers will have to stay vigilant, as a more competitive landscape could quickly emerge.
Key Takeaways
Rate Cuts Likely Soon: Fed may begin lowering rates by the end of 2024 due to easing inflation and slower job growth.
Lower Mortgage Rates Possible: Borrowers could see better loan terms, enhancing affordability.
Increased Competition Expected: As rates fall, homebuyers may face a tighter market with rising prices.
Now is a crucial time to assess your financial readiness and lock in favorable terms before the market adjusts to new economic realities. Consulting with a mortgage advisor can help navigate these shifting dynamics effectively.
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