Brian The Home Loan Guy and Realty

Brian The Home Loan Guy and Realty A "One Stop Shop" for ALL your home Buying, Selling and Financing needs. My name is Brian Beres, a.k.a. "Brian the Home Loan Guy & REALTY"!

I started my Mortgage Lending career in 2004. In 2010 I became a license Real Estate Agent. As a Mortgage Loan Originator my top priority is to supply my clients with a loan program that best fits their financing needs and keeps them within their budget. Educating my clients about the mortgage process and providing excellent customer service is what I do best. As a Real Estate Agent my top priority is to supply my clients with a Sales Experience that is unmatched in our industry! Armed with a skill set in both Real Estate & Lending, a data base of Buyers, the latest and greatest in technology, social media outreach and old fashion hard work, my clients profit more with me by their side when Buying or Selling a home. If you or someone you know have questions about Home Buying, Selling, Investing, Financing, Land Acquisition & Development, please don’t hesitate to reach out. I am a “One Stop Shop” for all things Real Estate!

09/21/2026

📈 MORTGAGE RATE UPDATE | SEPTEMBER 21

Mortgage rates continue to push higher, and unfortunately, there’s still a lot of pressure working against lower rates right now.

The ongoing conflict involving the U.S. and Iran continues to create uncertainty in the markets. Higher oil prices and inflation concerns can put pressure on Treasury yields — and ultimately mortgage rates.

Until we see meaningful progress toward stability in the Middle East, along with some relief on inflation, we could continue to see elevated and volatile mortgage rates.

BUT HERE’S THE IMPORTANT PART 👇

The rates I’m posting below are with:

🔥 0 POINTS

That matters.

When you’re comparing mortgage rates, don’t just look at the number. Ask what it costs to get that rate.

We run a small shop with low overhead, which allows us to stay extremely competitive — without automatically charging points just to advertise a lower rate.

Thinking about buying, refinancing, consolidating debt, or just wondering what today’s payment would look like?

📲 Reach out. I’m happy to run the numbers.

Brian Beres
Brian the Home Loan Guy and Realty
NMLS 284017 | DRE 01861952

09/17/2026

CLOSING DAY DOESN’T MEAN WE’RE DONE. 🏡❤️

The paperwork is signed. The deal is closed. The keys have changed hands.

But that doesn’t mean we stop working for our clients.

Sometimes real estate looks like negotiating contracts, structuring loans and handing over keys…

And sometimes it looks like Brian cleaning out a house AFTER the deal is already done. 😂

Because for us, taking care of our clients has never been about getting to the closing table and disappearing.

If there’s something we can do to help make the transition easier, we’re there.

Before the sale. During the sale. And even after the closing.

That’s what it means to have a real estate & lending TEAM that actually sticks around. ❤️

Brian the Home Loan Guy & Realty
Real Estate • Home Loans • One Team

$3.6 MILLION — LOAN CLOSED & FUNDED. 🏡💰I was proud to handle the financing on this incredible Canyon Lake waterfront pur...
09/16/2026

$3.6 MILLION — LOAN CLOSED & FUNDED. 🏡💰

I was proud to handle the financing on this incredible Canyon Lake waterfront purchase.

Deals at this level require a different kind of attention.

When you’re dealing with high-dollar loan amounts, complex financial profiles and luxury real estate, you can’t always take a cookie-cutter approach to financing. Sometimes you have to get creative, look at the entire financial picture and structure the loan in a way that actually gets the deal done.

That’s exactly what I was able to do here.

I worked through the financing options, found a creative solution that fit my clients’ situation, and stayed personally involved throughout the transaction to make sure we made it all the way to the closing table.

$3,600,000 — CLOSED & FUNDED.

This is one of the reasons I love what I do. Not every loan fits neatly inside a box — and sometimes the more complicated the deal, the more important it is to have an experienced loan officer looking for solutions.

If you’re purchasing a luxury property, need jumbo financing, have complex income or you’ve been told your scenario is difficult — give me a call.

There may be more than one way to get it done.

Brian Beres
Brian the Home Loan Guy and Realty
NMLS 284017 | DRE 01861952

09/10/2026

POV: I spend 3 hours on the phone resolving an issue you never even knew existed. 📱😅

And that’s exactly how it should be.

A lot of what I do happens behind the scenes.

The calls. The follow-ups. The negotiations. The lender issues. The last-minute surprises. The problem solving that keeps a transaction moving forward.

Whether I’m helping with the real estate, the financing, or both, my job is to find solutions and get you to the finish line — without making every little problem YOUR problem.

Sometimes a smooth transaction doesn’t mean nothing went wrong.

It means you had the right people handling it.

That’s what experience looks like.
And that’s what you’re paying me for. 🏡💰

Thinking about buying, selling or financing a home? Let’s talk.

Brian Beres
Brian the Home Loan Guy and Realty
DRE #01861952 | NMLS #284017

09/04/2026

🏡 JUST SOLD | CANYON LAKE WATERFRONT

Luxury real estate often comes with large loan amounts, complex financial pictures, and financing needs that don’t fit neatly into a traditional box.

That’s where experience — and access to the right programs — matters.

When you’re financing a luxury property, sometimes you have to get creative. Jumbo loans, bank statement programs, asset-based financing, bridge loans, private money, non-QM options and more — we have access to a wide range of programs and know how to structure the financing to fit the deal.

And because we handle both real estate and lending, we’re looking at the entire transaction — not just one piece of it.

Another beautiful Canyon Lake property SOLD. 🔑

Buying or selling a luxury home and need to know what financing options are available?

📲 Let’s talk before you assume a traditional loan is your only option.

Brian Beres
The Home Loan & Real Estate Guy
NMLS #284017 | DRE #01861952

brianthehomeloanguyandrealty

09/01/2026

🏡 TODAY’S MORTGAGE RATE UPDATE | 8/31/26

Mortgage rates are starting the week higher as renewed tensions between the United States and Iran add another layer of uncertainty to the financial markets.

After the U.S. and Iran exchanged strikes over the weekend, oil prices and Treasury yields moved higher — both putting additional pressure on the rate environment.

We could continue to see volatility in mortgage rates as the markets react to developments overseas, inflation concerns and upcoming economic data.

👉 If you’re thinking about buying, refinancing or just want to know what today’s rates mean for YOUR payment and purchasing power, reach out. We’re happy to run the numbers.

🔥 The rates shown in today’s graphic are with 0 POINTS!

📲 Brian Beres
The Home Loan Guy & Realty
NMLS #284017 | DRE #01861952

HomeLoans BrianTheHomeLoanGuyAndRealty

08/24/2026

🏡 TODAY’S MORTGAGE RATE UPDATE | 0 POINTS

Mortgage rates are holding steady for the moment — but there could be an interesting development ahead. 👀

Treasury Secretary Scott Bessent is reportedly looking at ways to keep Treasury yields from moving higher, including the possibility of the Treasury using its General Account to buy back Treasury bonds.

In simple terms? If something like this happens, it could put downward pressure on bond yields — and potentially help mortgage rates move lower in the short term. 📉

Nothing is guaranteed, but it’s definitely something I’m watching closely.

👉 My rates below are quoted with 0 POINTS.

If you’re thinking about buying, refinancing, consolidating debt, or just want to know what today’s payment would look like, reach out. I’m happy to run the numbers with no pressure.

📲 Brian Beres | The Home Loan Guy & Realty
NMLS #284017 | DRE #01861952

08/17/2026

📉 MONDAY MORTGAGE RATE UPDATE | AUGUST 17

Sorry Monday’s rates are coming out a little later today — I had a family event this morning. But I’m back, and there’s a lot happening in the markets.

Mortgage rates are starting the week higher as markets react to uncertainty surrounding what comes next with Iran and the expiration of the Memorandum of Understanding (MOU).

🛢️ Oil prices remain elevated:
• WTI crude: around $84/barrel
• Brent crude: around $90/barrel as of 1:15 PM PST

Higher oil prices can fuel inflation concerns — and inflation is one of the biggest factors influencing mortgage rates.

👉 What does this mean for homebuyers and homeowners?

Expect volatility. Rates could move up or down quickly as the markets react to developments overseas and changes in oil prices.

If you’re thinking about buying, refinancing, pulling cash out, or consolidating debt, don’t just watch the headlines. Let’s look at the actual numbers and see what makes sense for you.

🔥 TODAY’S RATES ARE POSTED BELOW — WITH 0 POINTS!

📲 Questions about rates or what you qualify for? Give me a call or send me a message.

Brian the Home Loan Guy
Mortgage Lending + Real Estate

08/10/2026

📉 MORTGAGE RATE UPDATE | AUGUST 10, 2026 🏡

We got some good news for mortgage rates on Friday! 🙌

Friday’s BLS jobs data came in well below expectations, helping mortgage bonds rally and giving us an improvement in mortgage rates to end the week.

This morning, however, mortgage bonds are giving back some of those gains as oil prices push toward $85/barrel. 🛢️

The ongoing situation with Iran and the Strait of Hormuz continues to create volatility. Until there’s a lasting agreement that keeps the Strait fully open and oil moving freely, expect mortgage rates to continue bouncing up and down with the headlines.

👀 WHAT I’M WATCHING THIS WEEK:

📊 Wednesday — CPI Inflation Report
📊 Thursday — PPI Inflation Report

If these reports show inflation continuing to cool, we could see mortgage rates move slightly lower later this week. 🤞📉

🔥 AND REMEMBER — THE RATES I’M POSTING BELOW ARE WITH 0 POINTS!

If you’re buying, refinancing, or just wondering what today’s payment would look like, reach out. I’m happy to run the numbers.

Brian the Home Loan Guy & Realty
🏡 Your “One Stop Shop” for All Things Real Estate & Mortgage

08/03/2026

🏡 Mortgage Rates Are Moving Lower to Start the Week… But Will It Last?

If you’ve been watching mortgage rates lately, you’ve probably noticed they’ve been anything but predictable.

Today’s lower rates are being driven by renewed peace talks in the Middle East and efforts to keep global oil flowing freely. When energy markets stabilize, inflation concerns often ease—and that’s good news for mortgage rates.

Over the past several months, we’ve seen the same cycle repeat itself:
📉 Peace talks and calmer markets → Mortgage rates improve.
📈 Rising tensions and uncertainty → Mortgage rates move higher.

The biggest takeaway? Mortgage rates don’t just respond to the housing market—they react to what’s happening around the world.

If you’re thinking about buying a home, refinancing, or simply waiting for the “perfect” rate, remember that timing the market is nearly impossible. The best strategy is understanding your options and being ready when the opportunity is right for you.

The rates shown below are with 0 POINTS.

If you’d like to see what today’s rates look like for your specific situation, send me a message. I’m always happy to help you build a game plan.

📲 Brian Beres | Brian the Home Loan Guy & Realty
NMLS #284017 | DRE #01861952

Address

27186 Newport Road D6
Menifee, CA
92584

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Thursday 8am - 10pm
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