The Meade Team - Paul Meade NMLS# 1799629

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The Meade Team - Paul Meade NMLS# 1799629

Making home buying and refinancing simple with low rates and hassle-free mortgages. Serving GA & FL with experience you can trust.

You've heard the horror stories...how hard it is to qualify, not to mention the fighting, shopping, and haggling to get a good rate.I've got great news...

When you're ready, the next step in getting a low rate mortgage made easy is to contact me so we can review your unique situation and make sure that you get a low rate mortgage without the stress and hassle.

10/15/2025

We love a supportive dad… but it’s not that simple. 😂🏡

When it comes to using gifted funds for a down payment, lenders have to 𝘃𝗲𝗿𝗶𝗳𝘆 𝘄𝗵𝗲𝗿𝗲 𝘁𝗵𝗲 𝗺𝗼𝗻𝗲𝘆 𝗰𝗮𝗺𝗲 𝗳𝗿𝗼𝗺... It can’t just show up in an envelope. 💌💸

✅ You’ll need a signed gift letter stating it’s not a loan
✅ The funds usually need to be transferred and documented properly

There are ways to make it work. You just need to do it the right way.
If you want to talk through your options and make sure everything’s set up correctly, reach out and let’s talk. 👋

10/13/2025

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗢𝗰𝘁𝗼𝗯𝗲𝗿 𝟭𝟯, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗿𝗲𝗺𝗮𝗶𝗻𝗲𝗱 𝘂𝗻𝗰𝗵𝗮𝗻𝗴𝗲𝗱 👍
Mortgage rates had some small day-to-day movements in rebate pricing (the credit a lender gives toward closing costs or the points you pay to get a lower rate), but rates themselves didn’t move much, with little economic or labor market data to influence them.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗹𝗶𝗸𝗲𝗹𝘆 𝘁𝗼 𝗵𝗼𝗹𝗱 𝘀𝘁𝗲𝗮𝗱𝘆 👍
A second week with no end to the shutdown expected, mortgage rates are unlikely to make any big moves. There could be some volatility Tuesday after the bond market reopens, since it was closed Monday while stocks continued trading. There will be some economic data and Fed speakers this week, but nothing that should cause any major movements.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Government shutdown: Consumer inflation data that was scheduled for release this week has been postponed to Friday, October 24, but wholesale inflation data will only come out as planned if the budget impasse is resolved.
- Fed speakers:Mortgage rates currently reflect markets’ belief that the Fed will cut rates at the remaining two meetings this year. It’s unlikely that anything said by Fed members this week will change that outlook.

10/08/2025

A lot of people think they’re being smart by waiting for rates to drop… but here’s what usually happens 👇

While you’re waiting, home prices keep going up, and by the time rates do change, you’ve lost buying power.

Getting pre-approved early isn’t about rushing. It’s about knowing your numbers so you can jump when the right home shows up. 🏡

You’ll have a clear picture of what you can actually afford, and you won’t get caught off guard when the market moves.

If you’re even thinking about buying in the next few months, start the conversation now. It’ll save you a ton of stress (and probably some money, too). 💬

10/06/2025

𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗢𝗰𝘁𝗼𝗯𝗲𝗿 𝟲, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝗱 👍
The government shutdown helped mortgage rates move slightly lower last week as markets increased speculation that the Fed would need to cut rates at the last two Fed meetings of the year. Due to the shutdown of several departments, there was no Bureau of Labor Statistics data for the week, including jobless claims and last Friday's big jobs report.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗶𝗺𝗽𝗿𝗼𝘃𝗲 👍
With no end to the shutdown expected this week, mortgage rates are unlikely to make any big moves. We could see them improve slightly though, as the week goes on and no resolution is reached to reopen the government.

𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Government shutdown: Until the shutdown is lifted, markets will not have access to many of the economic reports that typically drive direction for mortgage rates. This week would have been a light week for data anyway, but if a resolution isn't reached, the shutdown could also affect the release of next week's inflation data. Markets are currently betting a prolonged shutdown will hurt the economy, which is helping mortgage rates to improve a bit. Once a budget is passed, however, the delayed reports will be released and could cause volatility.

10/01/2025

🎃 First of October means Halloween season is here…
But don’t be surprised if you catch me slipping in subtle signs like this.

Thinking about refinancing? It could free up extra cash just in time for holiday spending — and that’s sweeter than a full-size candy bar. 🍫✨

Trick or refinance?
👉 Message me to see if refinancing makes sense for you.

09/29/2025

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗦𝗲𝗽𝘁𝗲𝗺𝗯𝗲𝗿 𝟮𝟵, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗮𝗿𝗴𝗶𝗻𝗮𝗹𝗹𝘆 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Mortgage rates stayed mostly unchanged, ending just a touch higher as inflation data came in as expected and nothing significant pushed rates meaningfully higher or lower.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
Mortgage rates could move higher or lower this week depending on labor market data, especially Friday’s BLS jobs report. Keep in mind, though, that rates have more room to move higher than lower, particularly if markets begin to doubt there will be two more Fed cuts this year. The potential for rates to fall is limited compared with the risk they’ll rise, so tread carefully.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Labor market data: Reports include job openings, unemployment claims, private payrolls, and Friday’s BLS jobs numbers. If the data shows the labor market is stronger than recent reports suggest, it could cause markets to doubt the need for the expected Fed cuts and push rates higher to end the week.
- Government shutdown: There is a strong possibility of a government shutdown this week. Markets are not yet reacting to the concern, but if a shutdown does occur, it could add volatility to markets and mortgage rates.

09/22/2025

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗦𝗲𝗽𝘁𝗲𝗺𝗯𝗲𝗿 𝟮𝟮, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝗵𝗶𝗴𝗵𝗲𝗿 👎
The week started off promising, with rates improving early on. But after the Fed meeting and Chair Powell’s press conference, markets reacted negatively, and mortgage rates finished the week a bit higher. Since the Fed cut had already been priced in, rates moved up when Powell signaled the Fed wouldn’t be aggressive with future cuts.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗰𝗿𝗲𝗲𝗽 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Mortgage rates currently reflect two more Fed cuts at the remaining meetings for 2025. But if Fed members speaking this week shake confidence in those cuts, mortgage rates could drift upward.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Economic data: There isn’t much data this week to influence mortgage rates, and what little there is comes late in the week. The Fed’s favored inflation gauge, the personal consumption expenditures (PCE) index, is unlikely to surprise and isn’t expected to move mortgage rates much either way.
- Fed speakers: This week is filled with Fed members making appearances and sharing their outlook on the economy and policy. If their comments make traders doubt the expected Fed cuts, mortgage rates could creep higher.

09/15/2025

𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗦𝗲𝗽𝘁𝗲𝗺𝗯𝗲𝗿 𝟭𝟱, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘂𝗻𝗰𝗵𝗮𝗻𝗴𝗲𝗱 👍
Rates were unable to improve this week, despite wholesale inflation declining and consumer inflation coming in right where markets expected. It's still a win though when rates don't move higher.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗶𝗺𝗽𝗿𝗼𝘃𝗲 👍
Mortgage rates could move lower this week, especially if markets believe the Fed is keeping the door open to further rate cuts this year. However, rates are not likely to keep falling too far, and it is important not to chase lower rates that might not come.

𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- The Fed: Although the Fed is expected to cut its policy rate by a quarter point at this week's Fed meeting, mortgage rates already reflect this and will not move lower when the Fed does actually cut. For rates to move lower, markets will need to anticipate deeper cuts into 2026, more than the two cuts expected at the next two Fed meetings to end the year.
- Inflation data: Last week we got the Consumer Price Index, this week we will get the Personal Consumption Expenditures (PCE) report. This is the Fed's favored gauge of inflation, and if it shows tariffs aren't pushing prices significantly higher, it could help rates improve a bit to end the week.

09/10/2025

🚨 Mortgage rates finally dipped! 🚨

After weeks of holding steady, we’re starting to see movement in your favor. 📉

Even a small drop can mean more buying power. That’s the kind of shift worth paying attention to.

💡 What this means for you:

Your monthly payment could shrink.
You may qualify for more home.
Refinancing might save you money.

If you’ve been waiting on the sidelines, now’s the time to take a fresh look. 📲 Message me and I’ll run the numbers with you.

09/08/2025

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗦𝗲𝗽𝘁𝗲𝗺𝗯𝗲𝗿 𝟴, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝗱 👍
After holding steady for the past couple of weeks, mortgage rates finally dropped last week as reports showed the job market is slowing. The weaker data not only helped bring mortgage rates down, it added to expectations that the Fed may need to make more rate cuts in the months ahead.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗺𝗼𝘃𝗲 𝗹𝗼𝘄𝗲𝗿 👍
Last week’s momentum could help mortgage rates keep moving lower this week. The big wildcard will be wholesale and consumer inflation reports. If they show prices heating up, rates could stall. Still, rates don’t appear to be at risk of moving much higher right now, and there’s a good chance they’ll continue to trend down.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Inflation reports: Key data on wholesale and consumer inflation will come out this week. If inflation comes in hotter than expected, it could slow or stop rates from falling.
- The Fed: Weaker job market data has markets expecting the Fed to cut rates three times this year. Any shift in that outlook could affect mortgage rates.
- Market sentiment: Investors are watching closely to see if last week’s drop in rates has staying power. If confidence builds, rates may continue to drift lower.

09/02/2025

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗦𝗲𝗽𝘁𝗲𝗺𝗯𝗲𝗿 𝟮, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝗱 👍
Mortgage rates ended the week just slightly lower after inflation data came in as expected. Last week didn't have much in the way of economic data to influence mortgage rates, but that changes this week.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
Not only is this a holiday shortened trading week, it is also a week filled with labor market data that could affect mortgage rates. Depending on what the data shows and how markets react to it, we could see mortgage rates move either way. While the risks are high, the right mix of data could give rates room to improve, but stronger-than-expected numbers may push them higher.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Jobs data: Multiple different reports on the state of the labor market, including job openings, unemployment claims, and Friday's numbers of new jobs created and unemployment could cause rates to shift beginning Wednesday.
- Fed rate cut speculation: Mortgage rates currently reflect an expected Fed rate cut in September, and two cuts by year's end. If labor data shows weakness, talk of even more cuts could push rates lower, while stronger data would likely push them higher.

Address

980 BIRMINGHAM Road SUITE 501/356
Alpharetta, GA
30004

Website

http://www.themeadeteammortgage.com/

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