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    Victor Santos

    @victorsantos

    Mortgage Broker

    ONPOINT MORTGAGE PRO

    Mortgage Loan Officer

    530 Technology Dr STE 100Irvine, CA 92618
    8Articles

    About Victor

    Victor Santos is a trusted Mortgage Broker at OnPoint Mortgage Pro in Irvine, California, serving homebuyers and homeowners throughout the Irvine area and greater Southern California. Victor Santos specializes in home purchase loans and mortgage refinancing, guiding clients through every step of the lending process with dependability, accessibility, and a commitment to exceptional customer service. As a highly skilled mortgage professional, Victor Santos works to ensure each loan closes quickly.

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    ONPOINT MORTGAGE PRO
    Mortgage Broker
    Website
    onpointmortgagepro.com
    Member since
    July 2026

    Victor's Articles

    When Will Mortgage Rates Go Down? 2026-2027 Forecast

    Mortgage Rates

    When Will Mortgage Rates Go Down? 2026-2027 Forecast

    30-year fixed mortgage rates are currently in the upper-6% range. Here's what Fannie Mae, the MBA, and Victor Santos at OnPoint Mortgage Pro forecast through…

    Aug 24, 2026·8 min read·180
    Mortgage Rates
    Housing Market
    Three Fed Dissents Mean Rate Hike Risk: Act Now

    Mortgage Rates

    Three Fed Dissents Mean Rate Hike Risk: Act Now

    Three Fed dissents signal a September rate hike risk. For California buyers and homeowners, the gap between retail bank rates and broker-negotiated wholesale…

    Aug 21, 2026·4 min read·110
    Mortgage Rates
    Federal Reserve
    Fed September 2026: Rate Lock Strategy

    Mortgage Rates

    Fed September 2026: Rate Lock Strategy

    The Fed holds rates at 3.50%-3.75% but markets now price a September hike. Here's when to lock your mortgage rate and how to protect your deal.

    Aug 20, 2026·9 min read·340
    Mortgage Rates
    Home Buying
    Refi or Wait? Your 2026 Mortgage Rate Decision Guide

    mortgage

    Refi or Wait? Your 2026 Mortgage Rate Decision Guide

    Not sure whether to refinance after the Fed's July hold? Use this three-tier framework, built on your current rate, to decide when refi math actually works.

    Aug 19, 2026·10 min read·90
    mortgage
    Refinance
    Why the Fed Hold Matters for Your 2026 Refinance

    Mortgage Rates

    Why the Fed Hold Matters for Your 2026 Refinance

    Onpoint Mortgage Pro explains why the Fed's August 2026 rate-hold creates a strategic window: time to strengthen credit and equity before refinancing opens in…

    Aug 13, 2026·5 min read·150
    Mortgage Rates
    Federal Reserve
    Fed Holds Rates: The Fall 2026 Buyer Decision Framework

    Mortgage Rates

    Fed Holds Rates: The Fall 2026 Buyer Decision Framework

    The Federal Reserve's July 2026 hold has created a unique strategic window for homebuyers. Here is the framework to navigate rates and inventory this fall.

    Aug 4, 2026·8 min read·100
    Mortgage Rates
    Housing Market

    Showing 6 of 8 articles

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