Jane Perry NMLS# 266593

09/11/2026

Week in Review (9/11/2026)
Hi, this is Jane Perry with your weekly market update.
Let’s start with inflation. Consumer prices rose 0.4% for the month, driven largely by higher gas and energy prices, while annual inflation remained at 3.4%. Core inflation, which excludes food and energy, fell to 2.4% year over year – its lowest level in more than five years.
Wholesale prices were mostly in line with expectations, but both headline and core inflation increased on an annual basis.
Why does this matter? The Federal Reserve closely watches inflation when setting interest rates, and recent comments from Fed officials suggest this latest CPI inflation data will play an important role in the Fed’s next move. We’ll find out Wednesday, when the Fed announces its interest rate decision.
In housing, existing home sales fell 2% from July to August, marking the third consecutive monthly decline. Sales are now running at a seasonally adjusted annual rate of 3.98 million homes, 1.2% below last August.
At the same time, inventory continues to build. Available homes increased 3.2% from July and are up 5.9% from a year ago.
NAR Chief Economist Lawrence Yun noted that mortgage rates and home sales typically move in opposite directions, so the recent decline in sales isn’t surprising given higher rates. Still, sales are up 1.6% so far this year.
Looking at the broader economy, initial unemployment claims remain relatively low at 206,000, while continuing claims remain elevated at 1.77 million.
Finally, oil prices moved higher as tensions between the U.S. and Iran escalated, making energy prices another trend worth watching in the weeks ahead.
If you're thinking about buying a home, refinancing, or simply have questions about today's market, I'm always here to help.
Jane Perry, NMLS #266593
PUBLISHED: 09/11/26

This information is for general informational and educational purposes only and does not constitute investment, legal or tax advice. All information is provided in good faith; however, no representation or warranty is made of any kind, expressed or implied, regarding the accuracy and validity of any information. The information contained herein represents the views and opinions of the author and does not necessarily represent the views and opinions of ServisFirst Bank, and ServisFirst Bank does not make any representations or warranties with respect to its accuracy or reliability.

09/09/2026

Getting the keys is just the beginning. Your first month as a homeowner is the perfect time to establish good habits: confirm your first mortgage payment date, set up utilities, tackle immediate maintenance, and locate essentials like your water shutoff, electrical panel, and HVAC filters. A little preparation now can help protect your investment, avoid unnecessary surprises, and make homeownership feel a whole lot easier.

08/25/2026

07/29/2026

Stunning new construction offering 3 bedrooms and 2 full baths, designed with both style and comfort in mind. This beautifully crafted home features an open-concept layout, elevated finishes, and quartz countertops throughout the kitchen and baths. The spacious living area flows effortlessly for ent...

07/20/2026

Here is the simple breakdown:
Lenders use debt-to-income ratio to compare your monthly debts to your income.
That includes things like:
1 – Car payments.
2 – Student loans.
3 – Credit card minimum payments.
4 – Personal loans.
5 – Any other monthly debt showing on your credit.
So if you add a $700 car payment, that payment may reduce the mortgage payment you can qualify for.
The lender is not approving you based on what you plan to do someday.
They are reviewing what is documented right now.
Before opening a new loan, financing furniture, or changing your debt picture, talk to your mortgage team first.
Save this for later
Send it to someone who needs to see this!

— If we haven’t met yet, I’m Jane Perry, your go-to mortgage banker in Auburn AL.
NMLS #266593
ServisFirst Bank Member FDIC | Equal Housing Lender | NMLS #556357

04/06/2026

Week in Review (4/3/2026)
Hi, this is Jane Perry with your weekly market update.
It was a busy week for jobs data. The Bureau of Labor Statistics reported that March job growth came in well above expectations. The economy added 178,000 jobs, even though forecasts had called for a gain of just 60,000. Payroll numbers for January and February were revised slightly lower, and the unemployment rate edged down from 4.4% to 4.3%.
Meanwhile, ADP showed private employers added 62,000 jobs in March, above expectations of around 40,000. But those gains were concentrated in a few sectors, suggesting the job market may not be as broad-based as it appears.
We’re also seeing signs of that shift in pay. Workers who change jobs are still seeing stronger wage growth – about 6.6% compared to 4.5% for those who stay put – but that gap has narrowed. In other words, switching jobs doesn’t come with the same big pay bump it did a couple of years ago.
Other data points show signs of softening. Revelio Labs reported a modest 19,000 job gain in March, mostly in healthcare and social services. Continuing unemployment claims also remain elevated at 1.84 million, a sign that it’s taking longer for people to find new work.
Layoff announcements are ticking higher as well, with just over 60,000 cuts reported in March.
Even with some softening in the labor market, home values remain resilient. Prices have now increased for six straight months, according to Case-Shiller, at an annual pace of about 3.3%. And even modest appreciation adds up. A $500,000 home gaining 3% in value would mean about $15,000 in equity in just one year.
If you’re thinking about buying, refinancing, or just have questions, I’m here to help. Reach out anytime.

This information is for general informational and educational purposes only and does not constitute investment, legal or tax advice. All information is provided in good faith; however, no representation or warranty is made of any kind, expressed or implied, regarding the accuracy and validity of any information. The information contained herein represents the views and opinions of the author and does not necessarily represent the views and opinions of ServisFirst Bank, and ServisFirst Bank does not make any representations or warranties with respect to its accuracy or reliability.

04/06/2026