Siegel Lending Team

11/03/2026

11/03/2026

11/03/2026

11/03/2026

Mortgage rates held steady today, with the 30-year fixed at 7.24%, unchanged from last week.

It was a tug of war behind the scenes. Mortgage bonds, the investments that mortgage rates follow, were up as much as 13 basis points (hundredths of a percent) this morning as oil fell below $100 a barrel. Then a stronger-than-expected factory report (55.5 vs. 54.5 expected) and a $24 billion increase in the government's borrowing estimate pulled them back. They closed up just 1 basis point.

In everyday terms, the 30-year fixed is tied for its lowest level since September 23rd, and the 10-year Treasury at 4.905% is well below the 5.31% peak from early October. The 15-year fixed sits at 6.60%. But a day like today shows how quickly a morning gain can fade. This week brings a services report on Wednesday, midterm elections, and Friday's jobs report, all things the markets watch closely.

Questions about your situation? Send me a message.



Ron Siegel · NMLS #217037
Ron Siegel Radio / Ethos Lending · NMLS #1533336
Equal Housing Opportunity. Not a commitment to lend.

11/03/2026

"The VA won't allow it" is usually where the conversation ends. It should be where the phone call starts. 📞

Loan Officers, Real Estate Agents, AND Veterans can all call the VA Regional Loan Center. Appraisals, condo approval, ROV, property condition, payment trouble. Real people, real answers.

We are lenders, and we also know Realtors who specialize in serving Veterans. If we ever receive a referral fee, most of it goes to nonprofits.

Who you work with matters. 🇺🇸

RSRLinks.com/VALoan

11/03/2026

The Home Insurance Move That Could Save You $440 a Year

When you’re planning a move, every monthly cost counts. That’s why it can be frustrating to see home insurance keep creeping up.

11/02/2026

🔓 BREAKING FREE FROM THE LOW-RATE TRAP

Think your 3.25% mortgage means you're winning? Not if you're drowning in high-interest debt.

Here's the truth most homeowners miss: 70% have low mortgage rates but crushing consumer debt. They're "frozen" – too focused on keeping that rate while hemorrhaging $5,510/month to credit cards and car loans.

The RSR Two-Step flips the script:
✅ Step 1: Consolidate at 7.25% and save $1,399/month in cash flow
✅ Step 2: Auto-refi when rates drop to save another 10%

Real numbers: Pay off your home in 13 years instead of 28. Build wealth instead of just surviving.

Strategy beats rate. Always.

11/02/2026

🇺🇸 VA TIP OF THE DAY: Can a Veteran use their VA loan twice? YES. More than twice? Also YES.

A Veteran may be able to use the benefit again while keeping the home they already own, as long as the new property will legitimately become their primary residence and there is enough remaining entitlement.

Example: current VA loan of $300,000, county loan limit of $832,750. That is roughly $532,750 of potential buying power with ZERO DOWN, subject to the entitlement charged on the COE and lender qualification.

Here is the part most people miss. That starter home does not have to be sold. It can become a departing residence, and qualifying rental income may help offset the payment.

Occupancy still matters. There should be a real reason to move: more space, less space, closer to work, a household change, a relocation.

VA is not just a homeownership benefit. Used correctly, it is a wealth-building tool. 🏡

Who a Veteran works with matters.

11/02/2026

Quick question: what's the exact date you'll be debt-free? 📅

Most people can't answer that — and that's the problem. A goal without a date is just a wish.

When you can see the finish line, everything changes. You make better decisions, you stay motivated, and every extra dollar has a job.

Find your Debt-Done Date 👉 https://debtdonedate.com/r/ron-siegel/kit_debt-done-date_fb

11/02/2026