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]
Mortgage Market Update: October 2024
Mortgage Market Update: October 2024
The mortgage landscape in October 2024 presents both opportunities and challenges for potential homebuyers. Here's a snapshot of the key trends impacting the market this month.
Mortgage Rates on the Decline
Mortgage rates have eased recently, with average 30-year fixed-rate mortgages hovering between 5.95% and 6.25%, down from earlier highs in 2023. This shift reflects stabilizing inflation and potential future rate cuts from the Federal Reserve. Lower rates improve affordability, providing buyers with increased purchasing power, though the benefits depend on how quickly buyers act before rates adjust again.
Evolving Housing Market Conditions
The cooling of the housing market is evident with a 0.7% year-over-year drop in median listing prices and a 31.9% increase in active listings. Homes are now taking longer to sell, spending an average of seven more days on the market compared to last year. This increased inventory gives buyers more options, but the pace of sales has slowed as many remain cautious, waiting for more favorable conditions.
Challenges and Buyer Sentiment
Despite falling mortgage rates, affordability remains a concern due to historically low housing inventory and persistent high home prices. Demand for new homes has not surged yet, as some buyers are still waiting for deeper rate cuts or more attractive listings. However, those looking to purchase now could benefit from reduced competition in the market before any further rate changes spark increased demand.
What to Expect Going Forward
Experts predict that mortgage rates could continue to decline in late 2024 and 2025, making homeownership more attainable. However, this may also trigger higher demand, keeping home prices elevated despite economic improvements. Prospective buyers should stay informed and assess their financial readiness, as conditions may shift quickly with further Federal Reserve decisions or changes in housing supply.
This period presents a good opportunity for those ready to enter the market, especially with interest rates reaching their lowest point in two years. As always, working with an experienced mortgage advisor can help buyers navigate the complexities of these shifting market dynamics.
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