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Matt Atkins - Mortgage Loan Consultant, Austin, TX (2026)

07/23/2026

Mortgage rates moved higher this week—but here’s what this chart really tells us…

If you look at the graph, you’ll notice rates have moved around almost every single week. Some weeks they go up, some weeks they come down. That’s exactly why trying to “time the market” is so difficult.

This week’s jump from 6.55% to 6.77% increased the principal & interest payment on a $400,000 loan by about $59/month.

Now ask yourself…

If you found the right home a month ago, would waiting have saved you money?

In this case, it actually would have cost more.

The biggest mistake many buyers make isn’t buying at the “wrong” rate—it’s waiting for the “perfect” rate that may never come.

Here’s what I remind my clients every day:
1. You can refinance a mortgage if rates improve.
2. You can’t go back in time and buy a home at yesterday’s price.
3. Every buyer’s situation is different, so decisions should be based on your finances—not headlines.

For my Realtor partners, this is a great visual reminder that educating buyers on monthly payment impact is far more valuable than focusing on rate headlines alone. Even when rates move, there are strategies like seller concessions, temporary buydowns, and choosing the right loan program that can help keep payments affordable.

If you’re wondering what today’s rates mean for your specific purchase, send me a message. I’ll run the numbers and show you every option available—no pressure, just honest guidance.

Matt Atkins
Prime Mortgage
NMLS #1128669

MortgageBroker FirstTimeHomeBuyer OrlandoRealEstate RealtorPartner PrimeMortgage MortgageEducation

07/14/2026

Florida Hometown Heroes is back!

Eligible Florida homebuyers may qualify for up to $35,000 in down payment and closing cost assistance.

You may qualify if:

✅ You are a first-time homebuyer
✅ At least one borrower works full-time
✅ You work for an eligible Florida-based employer and report in person or on a hybrid basis
✅ You work in an eligible occupation, such as healthcare, education, public safety, childcare, the court system, or the military
✅ Your household income falls within the county program limits

Veterans and active-duty military may qualify without meeting the first-time homebuyer requirement.

Funding is limited and available on a first-come, first-served basis, so it is important to get pre-approved early.

📞 512-522-9567
📧 [email protected]
🌐 www.primemortgage.loan

Let’s take a look at your situation and see whether you qualify.

Program guidelines, income limits, occupation eligibility, and funding availability are subject to change. Additional terms and requirements apply.

07/07/2026

🏡 Lower your payment for the first year—on us!

For a limited time, Prime Mortgage is offering a FREE lender-paid 1-0 Temporary Buydown on eligible primary residence home purchases that close by August 31.*

Here's how it works:

✅ Year 1: Your interest rate is 1% lower than your note rate, reducing your monthly principal and interest payment.
✅ Year 2 and beyond: Your payment returns to your original note rate.

Example:

💰 $400,000 loan
📉 Note Rate: 6.50%
📉 Year 1 Rate: 5.50%

That could mean about $205 less per month—or approximately $2,460 in savings during your first year in your new home.

Why is this valuable?
✔️ Lower payments while you're getting settled
✔️ More room in your monthly budget for moving expenses, furniture, or home improvements
✔️ No cost to you for the buydown with this limited-time promotion

If you've been waiting for the right time to buy, this could be an opportunity to make homeownership more affordable during that important first year.

📲 Call or text: 512-522-9567
📧 [email protected]
🌐 primemortgage.loan

Licensed in Texas and Florida.

*Offer available on eligible loans for owner-occupied primary residences only. Loan must close on or before August 31. Subject to underwriting approval, program availability, and lender guidelines. Not all borrowers will qualify. Equal Housing Lender. NMLS #1128669 | Prime Mortgage, LLC NMLS #2622721.

06/15/2026

For months, the conflict with Iran has been putting upward pressure on oil prices, inflation, and ultimately mortgage rates.

Now reports of a potential peace agreement are giving markets hope that some of that pressure could ease.

Nothing is guaranteed. Mortgage rates don’t move on headlines alone. But if tensions continue to cool, it could create a more favorable environment for lower rates in the months ahead.

One more reminder that what happens halfway around the world can impact what you pay for a home right here in Orlando.

Source: HousingWire

04/30/2026

A 1% drop in rate is a bigger deal than most people realize!!

On a $400K loan, that’s about $268/month.
On a $700K loan, that’s closer to $470/month.

That’s a game changer for affordability.

But here’s what most buyers don’t know…

You don’t always have to wait for rates to drop.

In many cases, you can negotiate with the seller to buy your rate down, lowering your monthly payment right now — without changing the purchase price.

This is one of the most underused strategies in today’s market.

If you’re thinking about buying (or even just curious what this looks like for your scenario), let’s break it down.

Call or text me: 512-522-9567
Let’s run your numbers.”

04/29/2026

Understanding Your Loan Estimate (LE) — What Actually Matters

Most people look at a Loan Estimate and think:
“Why are closing costs so high?!”

Here’s the truth

What your lender CAN control:

* Interest rate
* Lender fees (if any)
* Lender credits

What your lender CANNOT control:

* Appraisal
* Title fees
* Taxes & government fees
* Insurance & escrows

That means the biggest difference between lenders is usually:
Rate + strategy + communication — not random third-party fees.

The right loan isn’t just about the lowest rate…
It’s about structuring the deal to fit your goals (monthly payment, cash to close, long-term plans).

If you’ve ever compared Loan Estimates and felt confused, you’re not alone.

Shoot me a message—I’ll break it down line by line so you know exactly what you’re looking at.

04/28/2026

5-Star Service. Real Experiences.

Nothing means more to us than hearing from the people we’ve helped along the way.

These are just a few of our most recent reviews, and they all point to what we focus on every day at Prime Mortgage—
✔️ Clear communication
✔️ Being available when you need us
✔️ Getting you to the closing table smoothly

Whether it’s your first home, next home, or a refinance, our goal is simple: make the process easy and stress-free.

If you’re thinking about buying or refinancing, let’s talk
Send me a DM
Or reach out directly to get started

04/28/2026

5-Star Service. Real Experiences.

Nothing means more to us than hearing from the people we’ve helped along the way.

These are just a few of our most recent reviews, and they all point to what we focus on every day at Prime Mortgage—
✔️ Clear communication
✔️ Being available when you need us
✔️ Getting you to the closing table smoothly

Whether it’s your first home, next home, or a refinance, our goal is simple: make the process easy and stress-free.

If you’re thinking about buying or refinancing, let’s talk
Send me a DM
Or reach out directly to get started

Matt Atkins - Mortgage Loan Consultant

07/23/2026

07/14/2026

07/07/2026

06/15/2026

04/30/2026

04/29/2026

04/28/2026

04/28/2026

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