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- July 24, 2025
- Insights
In a market like this, certainty is everything.
Between fluctuating treasury yields, shifting buyer sentiment, and unpredictable rate environments, real estate investors are facing a difficult question: When is the right time to lock in financing? For many, hesitation is the default response. After all, no one wants to get stuck with a bad rate or lose the deal while waiting for the “perfect” conditions.
But waiting has its own cost. When markets are volatile, the advantage goes to investors who can act quickly, structure creatively, and lock in a loan strategy they can trust.
That’s where Encore comes in.
The Market Has Changed. So Has Our Approach.
We’ve seen it firsthand: deals that would’ve flown through underwriting in 2021 now require more scrutiny and creative structuring to succeed.
But because market conditions shift so quickly (especially around interest rates and capital appetite), moving faster isn’t optional: It’s an essential part of getting the deal across the finish line before the window closes.
Encore’s platform is built for these moments. Our lending model is designed to give borrowers more control, more optionality, and more support — so they can move forward with clarity, even when the market is volatile and uncertain.
Here’s how we do it:
1. Flexible Rate Lock Options
Rate uncertainty is one of the biggest obstacles investors face today. Treasuries jump, spreads shift, and yesterday’s numbers are out of date by the time you’re ready to sign.
Encore gives borrowers tools to manage that risk, without putting your deal in jeopardy. With early rate lock options that can be tailored to your deal structure, you can secure a rate you’re comfortable with while you finalize your loan.
Whether you need a few extra days to get your docs in order or you’re timing the market to lock during a favorable window, our team will help you structure a plan that works.
2. Speed to Term Sheet, Speed to Close
In a competitive market, time kills deals. That’s why we’ve built a process focused on responsiveness and clarity.
Encore moves fast when it counts. Our originators work closely with underwriting and capital markets to size, price, and structure loans efficiently, to get borrowers to a term sheet quickly. From there, our loan operations team keeps the process moving with proactive communication and a clear path to close.
When you’re ready, so are we.
3. Collaborative Deal Structuring
Not every deal fits a template. That’s why Encore stays flexible – not just in how we structure your loan, but in how we work. Our originators stay involved throughout the loan process, working directly with our underwriters to ensure your loan structure is aligned with your goals.
Whether you’re rolling multiple properties into a portfolio loan or navigating edge-case property types, we make it our mission to build a structure that works for you, not just for the lender.
Why It Matters for Borrowers
Volatility isn’t going away. But with the right lending partner, it doesn’t have to stall your progress.
Encore helps borrowers:
- Make confident moves, even in uncertain markets
- Get to the closing table faster
- Structure deals around long-term investment goals
- Avoid last-minute surprises from disconnected underwriting teams
Our team doesn’t just offer capital — we offer consistency, clarity, and real-time collaboration.
Ready to Build a Strategy That Works in This Market?
Let’s talk.
Whether you’re scaling a portfolio, refinancing in a shifting market, or planning your next acquisition, Encore can help you navigate today’s uncertainty with confidence.
Talk to an Encore originator about building a loan strategy that fits your next move.
