Insights Newsletter
As we move through another month, we’re excited to bring you timely updates, expert insights, and the latest loan rates to support your financial decisions. Take a look inside to see our popular articles and recent funding highlights!
Securing a Commercial Real Estate Loan
A Comprehensive Guide for Borrowers
Since the Great Recession, securing a commercial real estate or multifamily loan has become increasingly challenging, with current economic conditions and stress on banks adding further complexity. Rather than dwelling on how to fix the process, this guide offers practical advice on how private investors managing properties valued between $1 million and $15 million can optimally navigate and secure better loans more efficiently.
San Diego Residential Housing Market Update
Dissecting the Greater San Diego Association of REALTORS® data
Every month for the past year, I have been dissecting the Greater San Diego Association of REALTORS® data on home sales and inventory from the prior month. A flaw I have found is that they only provide numbers on a YoY basis, which makes it difficult to track MoM trends as they emerge. To save that, I uploaded the releases into ChatGPT and had it summarize the data, read more to view my key findings...
Investor Insights
Why Aren’t Mortgage Rates Dropping After the Fed Rate Cut?
The basic principle keeping the cost of capital high
Over the past year, I’ve highlighted that lowering the federal funds rate won’t necessarily lead to a drop in mortgage rates. With the Fed rate lower, we’re seeing daily headlines asking: “Why aren’t mortgage rates following?”
Let’s set the record straight that I’m not claiming any prophetic insight. While interest rates have historically moved in tandem with the federal funds rate—especially since the Great Recession—that correlation isn’t ironclad. And what we’re witnessing now is a prime example of market unpredictability. Mortgage rates initially dipped after the Fed’s cuts, but most have rebounded.
So, what gives?
Loan of the Month
Excited to share that Tara Sauerbrey successfully closed a $7.8 million bridge loan across four luxury homes located steps away from the ski slopes in Park City, Utah. The client refinanced to facilitate the sale of the properties. Fidelity structured a 12-month bridge loan with no prepayment penalty to provide the necessary flexibility.
