Caleb Houck Mortgage Team NMLS # 2525215

02/14/2026

For my Atlanta homeowners sitting on equity - if you don’t know about 5-day digital HELOCs yet, you probably should.

This is not a traditional HELOC.

--> No appraisal
--> Fully digital
--> Funds in 5 days
--> No prepayment penalty
--> Doesn’t mess with your low first mortgage rate

I’m seeing a lot of people use this to:
Renovate rentals
Consolidate higher interest debt
Pull capital for their next investment
Handle divorce buyouts without selling

If you’re equity rich but cash tight going into 2026, this is one of the cleaner tools I’ve seen lately.

I’m local, I know these neighborhoods, and I’m already doing these in the Atlanta metro.

DM me if you want me to run numbers.

01/21/2026

11/28/2025

ATL's first NYC-style bodega just opened up shop, & it's 100% halal! 🍎🗽 Grab a fresh, delicious bite & let us know what you think! 🥯⁠
⁠
Get all the details 👉 secretatlanta.co/nyc-deli-juice-bar-bodega/

11/28/2025

Happy Thanksgiving!🍁

11/01/2025

20 Magical Things To Do This November In Atlanta From Magic Shows To Art Festivals & Beyond

There are so many things to do in and around Atlanta this November, so get ready for exciting exhibits, holiday happenings, plus so much more!

10/22/2025

Final beam bound for 60th story of Midtown’s Rockefeller-built 1072 West Peachtree building

10/17/2025

✨ Buy Before You Sell ✨ Move into your next home before selling your current one. No double moves, no sale contingencies, and no stress. 🏡 Pre-qualify in 24 hours, unlock your equity upfront, and close with confidence. Your deal, your clients --- zero risk.

10/10/2025

Weekly Mortgage Rate Snapshot:
30-Year Conventional: 6.38%
30-Year FHA: 6.05%
30-Year VA: 6.07%
30-Year Jumbo: 6.29%

* This snapshot of mortgage rates are national averages. This is not an intent to lend and for educational purposes

10/02/2025

Weekly Mortgage Rate Snapshot:
30-Year Conventional: 6.37%
30-Year FHA: 6.05%
30-Year VA: 6.06%

** This snapshot of mortgages rates are national averages. This is not an intent to lend and for educational purposes

09/26/2025

Because Life’s Too Weird for Boring Mortgages 🛸

Forget the W-2s, endless pay stubs, and cookie-cutter rules. If you’ve got good credit, assets, and a vision, a No Ratio mortgage could be your golden ticket.

DM me and let’s open that door.

09/25/2025

Why did mortgage rates rise after the Fed rates?

Weekly Mortgage Rate Snapshot:
30-Year Conventional: 6.37%
30-Year FHA: 6.06%
30-Year VA: 6.07%

It may feel backwards at first glance. Many expected mortgage rates to fall after the Federal Reserve cut rates—but they actually went up.

Here’s the reason.

The Fed’s benchmark rate directly affects short-term borrowing costs, like what banks charge each other overnight. Mortgage rates, though, are tied more closely to the bond market—especially the 10-year Treasury yield.

When the Fed cut rates in September, investors worried that inflation could remain high. To protect themselves, they sold bonds. As bond prices dropped, yields rose, and mortgage rates moved higher as well.

This pattern is common when markets sense inflation pressures, even if the Fed is easing.

A Fed rate cut doesn’t automatically lead to lower mortgage rates. The bigger drivers are investor confidence, inflation trends, and bond market yields. Overall, the housing market is showing resilience, with a healthier balance between buyers and sellers than we’ve seen in recent years.

** This snapshot of mortgages rates are national averages. This is not an intent to lend and for educational purposes

09/19/2025

Weekly Mortgage Rate Snapshot:
30-Year Conventional: 6.26
30-Year FHA: 6.05
30-Year VA: 6.07

** This snapshot of mortgages rates are national averages. This is not an intent to lend and for educational purposes

Mortgage rates have climbed back to their highest point in two weeks, following Wednesday's Federal Reserve announcement. Many people assume the Fed’s rate cut directly caused mortgage rates to rise, but the two don’t move in lockstep.

The Fed Funds Rate only changes on scheduled announcement days, while mortgage rates shift daily in response to real-time bond market activity. In fact, the reasons behind the Fed’s decision were already influencing mortgage bonds well before yesterday. That’s why mortgage rates moved ahead of the cut itself.

The important takeaway is that while rates have recently ticked higher, they remain lower than nearly every point over the past 11 months—apart from the last two weeks.

If you’d like a clearer breakdown of today’s market drivers, I’m happy to share more insights.