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]
How the Job Market Affects Mortgage Rates and Fed Decisions
The job market plays a crucial role in determining mortgage rates, as employment trends directly influence Federal Reserve policy and economic growth. Whether you’re a first-time homebuyer, looking to refinance, or an investor in real estate, understanding how job market data affects mortgage rates can help you navigate your financial decisions more effectively.
The Link Between Employment and Economic Growth
A strong job market, characterized by low unemployment and rising wages, often leads to increased consumer spending. When people have stable incomes, they are more likely to buy homes, invest in businesses, and make major purchases.
However, this increased spending can contribute to inflation, prompting the Federal Reserve to raise interest rates to prevent the economy from overheating. Higher interest rates make mortgages more expensive, leading to higher monthly payments for borrowers.
Conversely, when the job market weakens—such as during a recession—unemployment rises, and consumer spending declines. To stimulate economic growth, the Fed may lower interest rates, making borrowing cheaper and encouraging more home purchases.
How the Federal Reserve Responds to Job Market Changes
The Federal Reserve closely monitors employment data to guide its monetary policy decisions. Some key indicators include:
Unemployment Rate – If the jobless rate is low, the Fed may see this as a sign of a strong economy and consider raising interest rates.
Wage Growth – Rising wages can drive inflation, leading the Fed to increase rates.
Labor Force Participation – A growing workforce can indicate economic expansion, which may also influence rate hikes.
What This Means for Homebuyers and Homeowners
For borrowers, keeping an eye on employment reports can provide insight into where mortgage rates may be heading. If job reports indicate strong employment growth, rates could rise, making it beneficial to lock in a mortgage rate sooner. If employment data is weak, rates may decrease, allowing borrowers to wait for a lower rate.
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