Cody Kessler - Mortgage LO / Branch Manager

04/24/2025

Ok… here’s a question for my realtors… and for my lender “pals” since you guys are on the receiving end.

What do you think is the best way to refer a new client to a lender?

There are so many different ways to do it now with all the technology and apps out there… but what’s your go to way that you think works best?

I personally like a group text introduction… so there’s complete transparency and it’s easy to track so nothing falls between the cracks, and the agent can gauge the response/engagement of the client… among a bunch of other things.

What’s yours?

03/21/2025

📉 HOW THE 10 YEAR TREASURY AFFECTS MORTGAGE RATES AND WHY YOU NEED TO WATCH THEM 📈

Ever wonder why mortgage rates move up and down? A key player is the 10-year Treasury yield! Here’s why it matters:

✅ Mortgage rates tend to follow the 10-year Treasury yield—when it goes up, rates rise; when it drops, rates usually fall.
✅ Most homeowners keep their mortgage for about 7-10 years, making the 10-year yield a good benchmark for mortgage rates.
✅ The spread between them is typically 1.5% to 2.0%, accounting for market risks.

🎯 Why this matters for YOU: Watching Treasury yields can help you anticipate mortgage rate trends—great for timing a home purchase or refinance!

Have questions or want more information?

DM me here or emaill me at:

[email protected]

Thinking about locking in a low rate? Let’s chat and see how much lower I am than your CURRENT QUOTE! 💬

03/10/2025

WOW…

Well here’s some Monday morning news for ya…

The worst mortgage company in the country is buying Redfin so that they can force their buyers to use their mortgage company… interesting concept.

Redfin has been trying to start their own internal mortgage company for YEARS in order to capitalize on revenues from mortgages… and they’ve failed miserably…

But now… someone big enough has come along and said “instead of you using us as a partner… how about we just buy you.”

So that’s what happened.

What could go wrong? 😏

Rocket Cos. is pushing deeper into the property market with a deal to buy Redfin Corp. that values the real estate listing site at $1.75 billion.

03/09/2025

LISTEN UP VETERANS 🇺🇸🇺🇸🇺🇸

If you’re a Veteran, or you know a veteran, who needs a mortgage to buy a house or wants to refinance their current mortgage to a MUCH LOWER RATE THAN WHAT YOU ARE CURRENTLY HAVE OR ARE BEING OFFERED… you need to get in touch with me!!!

As a Veteran myself… making sure that other veterans are taken care of is my #1 priority. The best way to do that is make sure they get THE BEST RATES available in the market! Add 20 years of experience and working for the #1 VA loan broker in the country… and you’ve got the recipe for the best place to get a mortgage loan!

Reach out to me to get a quick, free, rate and closing cost estimate to see how much better I can do for my veteran brothers and sisters…

I PROMISE it will not be a waste of your time!

May God bless America, and may He bless all
of our service men and women… and thier entire families…

and since were at it… May He bless all of
you too! 😉

🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸

Cody Kessler
301-928-7932
[email protected]
NMLS 182716

03/08/2025

EXCITING NEWS! (Or at least I think so 😉)

After an incredible journey with CMG Home Loans (who acquired HomeBridge), I’ve made the move to Edge Home Finance—and I TRULY couldn’t be more excited!

WHY THE CHANGE? After years of being at the mercy of the mortgage bank I worked for, not being able to control the rates I offered, the fees that were being charged, or even down to creating my own marketing that defined my brand, I decided that I needed to find a home that fit me better as a mortgage professional. One that allows me the autonomy to build a platform that I believe my customers need… but more importantly, WANT… and I finally found that home in Edge.

AS A MORTGAGE BROKER AT EDGE, I now have access to every mortgage product on the market, meaning I can find the perfect loan for nearly any borrower, regardless of their situation. Plus, here is what working with a broker instead of a retail lender means for you:

✅ SUBSTANTIALLY lower interest rates—saving you thousands over the life of your loan

✅ Faster transaction times—with average closings in just 14 days

✅ More flexibility—I’m no longer limited to a single lender’s options, so I can shop around to find you the best mortgage that fits your exact needs at that time.

✅ VA LOAN SPECIALIST - Edge does more VA loans than any other broker in the country, and everyone knows how much I LOVE HELPING out our Veterans get mortgages 🇺🇸🇺🇸

WHY ARE MY RATES SO MUCH LOWER? Unlike big retail lenders, we cut out all the unnecessary overhead costs of running a large corporation and pass those savings directly to you. That means lower rates, lower fees, and bigger savings without sacrificing service or expertise.

And don’t worry—while I may be at a new company, I’m bringing the same level of excellent service, deep industry knowledge, and expert guidance that my clients have always counted on for the past 20 years. And Edge isn’t new to the game either. Edge is the nation’s largest mortgage broker and ran by mortgage originators so they understand what it takes to DO IT RIGHT.

Now, you’ll be able to get EVERYTHING YOU ARE LOOKING FOR IN A MORTGAGE all in one place—better rates, amazing service, faster closings, and more loan options.

Like I’ve said, my rates are now consistently LOWER THAN THE MARKET (it’s actually pretty crazy), so if you’ve already received a quote from another company, please send it my way to take a look at it for you! I’ll quickly see how much better I can do—no cost, no commitment, just potential savings for you. It’s that easy… and it’s information worth knowing!

I’M SO EXCITED to start this new chapter of my career, where I FINALLY feel like I have ALL of the pieces of the puzzle so I can be the best mortgage professional I can be… and I can’t wait to get started working for my clients and my valued referral partners!

If you’re in the market for a home loan or refinance, let’s talk. The difference could mean huge savings and a smoother, faster closing!



PLEASE TAKE NOTE OF MY NEW EMAIL!

[email protected]

301-928-7932
NMLS 182716

05/05/2023

I’ve been in the mortgage business for 19 years, and I’ve spent the majority of those years trying to solve the mystery of where does the second “A” in Realtor, come from… and to this day, it still eludes me.

I believe that there’s a course that realtors take, that when completed, they get a super special pin that they can wear on their lapels, that also allows them to put an invisible A into their title, so that other realtors who have taken this course can identify each other when out doing real estate transactions, and they give secret preferential treatment to one another.

Which are YOU?

A realtor… or a realAtor?

07/08/2022

Jobs numbers came in higher than expected, giving the FED the green light for a .75% increase in funds rate.

Brace for impact.

06/21/2022

KIND OF LONG BUT A MUST READ IF YOU ARE IN THE REAL ESTATE WORLD

So the market has turned quite rapidly.

We went from the craziest sellers markets I’ve personally seen in almost 20 years of mortgages, and based upon the data I’ve seen, probably the craziest in history, to what is quickly becoming a buyer’s market in a very short period of time.

If you remember correctly, I said about a month ago that we would be in a buyer’s market by August and that looks as though it may come to fruition.

The challenge here isn’t that the market is slowing and we’re starting to see price reductions and fewer buyers (for obvious reasons), that was actually a needed thing, as values can’t sustain increases like that for long periods of time and there will always be a natural correction of those things, it’s the other factors that are at play right now that really need to be taken into consideration in order to make sure that you are properly navigating the waters of where we currently are.

One of the other pieces to this puzzle is the rate environment and what’s going to happen in those markets.

In my opinion, rates are going to continue to go up and we will continue to see extreme volatility, similar to what we did last week when rates suddenly jumped up and the FED raised rates by .75% to fight inflationary pressures.

Because of this factor, people have completely stepped out of the market because they’re waiting for the markets to settle so that they can buy a home.

Buyers are what drives the real estate market… not the home or the sellers. Without buyers we don’t have a market. That’s true in any market.

What is the problem with this approach?

Well… the idea that the market prices will come down is probably accurate… but HOW MUCH is the big question and how quickly will they come down? THIS is the question that you have to ask yourself in order to come to the correct conclusion about whether now is the right time to buy or not.

If prices come down faster than the rates go up… you win.

If rates go up faster than prices comes down… you lose.

Think of it this way…

If a house is worth 500K today and you take a 400K loan (80% of 500k) at 6% that payment is $2,398 per month.

But let’s say that there is a 10% correction in price (WHICH IS A HUGE CORRECTION) over the next 3 months (which is SUPER fast)… so now that same house is 450k and you take a 360K loan do (same 80% loan to value) but in those 3 months rates are now 8%… your mortgage monthly payment will be $2,642.

$244 MORE PER MONTH!!!

This is why it’s important to understand the markets, timing, and most importantly trends… by sitting on the sidelines you could potentially be doing more damage to yourself than good because your fear is hindering your ability to make good informed decisions and the people around you that are supposed to be helping you simply aren’t skilled enough to do so.

Now I’m not saying that everything will work out perfectly, that’s not how life goes… but what I am saying is that these theories and approaches are as solid as they come and they’re what you need to know as you consider moving forward in today’s market.

Remember… you NEVER miss a down rate market because you can generally refinance at any time. You can only miss a down price market when you don’t need or want to buy a house.

If you need or want to buy a house… now isn’t a bad time… because it MAY be the lowest rates will ever be again. 🤷🏻‍♂️

Remember… I’m truly here to help people and share my knowledge and experience in the market to make sure that you don’t get taken advantage of by people who are simply trying to sell you something.

Have a great day and may God bless you in everything you do! 🇺🇸

04/12/2022

CONGRATULATIONS TO MY BUYERS on the purchase of their new home!

I’ve helped this buyer refinance several of his properties in order to get them straightened out… and then his awesome agent, Brian Lumpkin of Lumpkin Residential, referred him to me when he went to Brian to find a new home… so the universe was telling us something.

Brian and I crafted an offer that beat out all of the others when it wasn’t the highest, which in this market is tough to do!

And even though this gentleman is a veteran, he opted to not use his VA loan benefit in this case, so we thank him for his service and always love taking care of our brothers and sisters who have served our great nation! 🇺🇸

Congratulations on your new home! We wish you many years of health and happiness!

Cody Kessler
301-928-7932
[email protected]