Last Updated: October 23, 2025
Welcome to Eli Sklar Consulting (“we,” “our,” or “us”). These Terms and Conditions (“Terms”) govern your use of our website, www.elisklarloans.com, and any related services offered by Eli Sklar Consulting (collectively, the “Services”).
By accessing or using our website, you agree to these Terms. If you do not agree, please discontinue use immediately.
1. Our Services
Eli Sklar Consulting provides mortgage consulting and brokerage services. We help clients explore, compare, and apply for mortgage and loan products through our network of trusted lending partners.
All loan approvals, terms, and rates are subject to review by the lender and depend on factors such as creditworthiness, income verification, and other eligibility requirements.
2. No Guarantee or Financial Advice
Information provided on our website is for informational purposes only and does not constitute legal, financial, or tax advice.
Loan approvals and rates are not guaranteed and are determined by the lender.
You are encouraged to seek independent financial advice before making any financial decisions.
3. Eligibility
You must be at least 18 years old and a U.S. resident to use our Services. By using our site, you represent that all information you provide is accurate and truthful.
4. User Responsibilities
When submitting information through our forms or communications, you agree to:
Provide accurate, complete, and current information.
Not use the website for any unlawful or fraudulent purpose.
Not impersonate another person or entity.
5. Third-Party Links
Our website may contain links to third-party websites or partner platforms. These links are provided for convenience and do not imply endorsement. We are not responsible for the content, security, or privacy practices of third-party sites.
6. Intellectual Property
All website content—including text, graphics, logos, and layouts—is owned or licensed by Eli Sklar Consulting and protected by applicable copyright and trademark laws. You may not reproduce or distribute any content without prior written consent.
7. Limitation of Liability
Eli Sklar Consulting is not liable for any damages arising from your use or inability to use our Services. We make no warranties or representations, express or implied, regarding the accuracy, completeness, or reliability of the information provided on this site.
8. Indemnification
You agree to indemnify and hold harmless Eli Sklar Consulting, its affiliates, and its representatives from any claims, damages, or expenses resulting from your use of our website or breach of these Terms.
9. Modifications
We reserve the right to update or modify these Terms at any time. Updates will be posted on this page with a revised “Last Updated” date.
10. Governing Law
These Terms are governed by the laws of the State of New York, without regard to its conflict of law principles.
11. Contact Us
If you have questions about these Terms, please contact us at:
📞 +1 (516) 902-8593
🌐 elisklarloans.com
✉️ [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
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