Los Angeles, CA – December, 2025 – LBC Mortgage is pleased to announce its licensing expansion into Oregon and Pennsylvania, bringing its full‑service mortgage offerings to two more states. With this move, the company now serves homebuyers in ten states, adding further scope to its client‑first, transparent approach. At the same time, LBC is sharing an updated look at interest‑rate trends – what’s happening now, and how buyers can prepare.
“Expanding into Oregon and Pennsylvania feels like a natural next step,” said Alex Shekhtman. “We’ve seen demand from agents and borrowers in both states for a broker who cares about clarity, flexibility, and partnership. We’re excited to be there.”
Bringing Our Approach to Two New States
In Oregon and Pennsylvania, homebuyers will now have access to the same suite of loan programs LBC offers elsewhere – including FHA, VA, Conventional, Jumbo, and specially designed solutions for self‑employed borrowers. Shekhtman emphasized:
“We don’t just bring a product but a way of doing business – honest conversations, fewer surprises, and support from start to finish.”
The expansion underscores LBC’s commitment to serving a diverse range of clients, across full income profiles and employment types.
“Whether you’re in Portland or Pittsburgh, a teacher or contractor, a first‑time buyer or planning for your second home – our goal is the same: help you move forward in a way that makes sense for your life,” Shekhtman said.
Interest Rates: Still High, Some Signs of Movement
On the rate front, here’s what LBC Mortgage is seeing:
- The 30‑year fixed mortgage remains elevated in the 6%+ range, underscoring that today’s borrowing environment is different from the ultra‑low rates of recent years.
- Recent forecasts suggest average 30‑year rates may end 2025 around 6.4%‑6.5%, with minimal relief expected unless broader economic conditions change.
- Shekhtman offered perspective: “We’re not pretending rates will fall back to 3% anytime soon. That era is behind us. But what we are seeing is stability – and that means buyers can plan what they can afford today and position themselves for when conditions improve.”
He added: “If rates tick down even a little bit, that could open up more opportunity. But for now, the smart move is to focus on preparation – getting credit in order, having the savings ready and understanding your budget rather than waiting for the perfect rate.”
What This Means for Buyers
For prospective homeowners in Oregon and Pennsylvania, this dual announcement brings two key benefits: access to a new, trusted lender that brings full national experience and transparency around what borrowing looks like in the current market.
Shekhtman noted: “When someone says ‘I want to buy a home,’ but they’re hearing ‘no’ from banks, that’s where we step in. And in a higher‑rate environment, it’s even more important to work with a lender who explains the numbers, the options, and your best path forward.”
Looking Ahead
As LBC Mortgage begins operations in Oregon and Pennsylvania, the company plans partnerships with real‑estate agents and businesses in those markets. Their mission: to create a smoother home‑buying journeys and open up options for a broader range of clients.
“We’re excited about the future,” Shekhtman concluded. “Growing into new states means new families and new opportunities. And while the market may not look like the one we had a few years ago, good homes, smart decisions, and the right team still matter. We’re ready.”
About LBC Mortgage
LBC Mortgage is a national mortgage brokerage licensed in California, Florida, Illinois, Washington, Texas, North Carolina, South Carolina, Colorado, Oregon, and Pennsylvania. With a people-first philosophy, LBC offers FHA, VA, Conventional, Jumbo, and self‑employed loan programs – providing clarity, flexible solutions, and support for a wide range of borrowers.
Media Contact:
Sofiia Kovalchuk
Head of PR, LBC Mortgage
sofiia@lbcmortgage.com
(818) 217 0138
lbcmortgage.com