Ru Toyama at Rate NMLS 1528382

06/10/2026

06/09/2026

Knowing the numbers could give you an edge in a competitive market. With home sales reaching a peak in May, more Americans are on the move. Increases in existing-home sales across the Northeast, Midwest and South suggest more homeowners are on solid financial footing.

Understanding the full housing breakdown could help you win your dream home.
https://myoc.io/hVwqIavtZRl/KMKsn



NMLS #1528382

06/09/2026

Happy Monday!

A big congrats to my latest Buyers, fellow Navy Grad Craig and wife Anastasia for their purchase today in Arlington!

I’m so proud to help another Active Duty Navy Captain find their next home!

Thank you to Maureen and Joan at for handling this transaction as there weren’t any Realtors involved.

I’d also like to thank Jason for making the connection, Ship, Shipmate, Self is what it’s all about! 🙌🏽🇺🇸🐐 Just Goats doing Goat things!🐐

May you enjoy your new home for years to come!

Go Navy Beat Army!

06/08/2026

Closing costs are part of both buying and selling. The details can vary based on how each loan is structured. Seeing both sides helps you plan with clarity. Learn how you can structure the costs of your loan so it works best for you.
https://myoc.io/hVwqIavtZRl/YcX0k



NMLS #1528382

06/06/2026

Big jobs report Friday 📊📈

Payrolls jumped 172,000, well above forecasts, and that pushed the 10-year Treasury into the mid-4.5% range, which hit mortgage bonds hard.

What does that mean for rates? The Fed is now expected to stay higher for longer, and markets are even starting to price in the possibility of another hike.

Conventional 30 year fixed rates mid to upper 6%
VA and FHA Rates lower to mid 6% range

For buyers, my recommendation is if you can afford it and are comfortable with the numbers, to buy now, and you can always refinance later on down the road.

But waiting for the rates to drop is getting riskier. Home prices are still rising, inventory is still tight, and the rate outlook has shifted the wrong way.

If you find the right home today, you may be in a better position than waiting on a rate break that may not come.

Comment or DM “Strategy” if you’d like to connect further and come up with your plan to determine if buying now is the right time for you!

06/06/2026

A happy Friday and another wonderful closing for an Active Duty Army Officer, Ellie!🇺🇸

I love helping all my clients find their next home but helping our service men and women has an extra special place in my heart! Even when I help the Army Mules!😊

A big thanks to Daniela Pardo of TTR Sotheby's International Realty for her expertise and commitment to also serving our military! We make a great team and appreciate working with her and looking forward to the next buyer/service member we help welcome Home!

As always, a big thanks to my team for their support throughout the transaction!

Last but not least, thank you to MBH Settlement Group Manassas for handling a smooth mail-away closing for Ellie since she’s still in MA!🙌🏽

Congrats Ellie! Best wishes for a smooth Move here to VA and thank you for your service!🇺🇸

06/04/2026

I don’t just help people win their dream homes, I help them build the foundation for their financial future. As a home grows in value, it builds equity, which could be tapped into down the road. If you’re looking to know more about buying or what it could mean long term, let’s talk.
https://myoc.io/hVwqIavtZRl/2eQwc

NMLS #1528382

06/03/2026

If you’re on the fence, I’m here to help you out. Sometimes when homeownership feels far off, it’s actually closer than you think. Let’s talk and I’ll walk you through your different options.
https://myoc.io/hVwqIavtZRl/hHGhu



NMLS #1528382

06/01/2026

June is National Homeownership Month and the equity you’ve built in your home is just one more thing to celebrate. It could be used to build your financial security or to invest in the big plans you’ve been thinking about. The next step? Putting those plans into action. Reach out, I'll be happy to show you how.
https://myoc.io/hVwqIavtZRl/mclTy



NMLS #1528382

05/30/2026

Whether you’re a first time home buyer or experienced buyer feeling that you may be priced out of today’s market, here are three things you can do to help overcome and get over the Rate and Price obstacles!

Watch my latest video to learn more!

Drop “Possible” in the comments or DM me to setup a no obligation, no credit pull consultation call today to help you find out what’s Possible for your budget!

Have a great weekend, as always follow for more mortgage tips, updates and insight! I’m also always available nights and weekends so never hesitate to reach out!