RC & ME

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RC & ME We're Ryan & Mattie—two loan officers working as one team to help make buying a home less stressful and a lot more personal. Equal Housing Opportunity Lender

Here you'll find:

🏡 Home buying tips
☕ Real conversations
🎥 Behind-the-scenes
💡 Mortgage myths
(www.nmlsconsumeraccess.org)

10/08/2026

50 percent of listings just cut their prices. Five out of ten. The highest it has been in years. Every agent watching needs to stop and pay attention because that changes our whole fall.

Rates are back above seven and everybody is acting like that is the bad news. It is not. Seven scared off your tire kickers. The buyers who are still out there are serious and now they have leverage. Inventory is almost back to pre-COVID levels. Buyers have choices for the first time in a long time.

Here is what is actually happening on our side. Sellers are saying yes to things they laughed at two years ago. Concessions, buydowns, closing cost help. The buydown is the one we keep pushing. Get the payment down now and when rates drop we refinance. Today's payment, tomorrow's win.

And contract cancellations are the highest since 2022. Your backup buyer, the one who got outbid last month, is getting the call right now.

Here is the takeaway for agents. Stop talking rate. Talk payment. Stop talking fear. Talk opportunity. The agents who reframe that conversation are the ones closing this season.

If you have buyers sitting on the sidelines send them to us and we will run the numbers to get them off the fence.

RC and ME. Let's go.

10/07/2026

😂 THE BIG REVEAL IS HERE.
Remember when Mattie and I were trying to figure out exactly what “Black & White… Your Way” meant for our night out in Chicago?
Mattie was considering multiple dresses. I was trying to determine whether flip-flops could somehow qualify as formal attire. 😂
Well… somehow we figured it out.
⚫⚪ Here’s what we chose!
Mattie definitely understood the assignment. I kept it simple and, most importantly, the flip-flops stayed behind. 😂
We had an incredible night with the APM crew in Chicago, and after all that discussion about what we were going to wear, it was only right that we give everyone the final reveal.
So… how did we do? 👀
RC & ME
Twice the Experience. One Team.

Let’s go guards!
10/05/2026

Let’s go guards!

10/01/2026

Well… that escalated quickly. 😂🎤

We invited everyone over for a little karaoke night at the office and apparently some people had been waiting their ENTIRE LIVES for this opportunity. 🤣

There was singing. There was dancing. There were performances that probably deserved a record deal… and a few that definitely did not. 😂

But THIS is exactly why we wanted to do it. Great people, a lot of laughs, and an office that looked a whole lot less like a mortgage office for one night.

Thank you to everyone who came out and made last night such a blast!

And yes… Round 2 is already happening. 🎃🎤

Same microphones.
Same questionable talent.
This time, in costume. 😂

Halloween Karaoke is next. 👻

RC & ME
Twice the Experience. One Team.

09/22/2026

Apparently “black and white attire” is more complicated than it sounds. 😂

Mattie thought black and white meant the guys wear black and white and the girls could wear color.

Apparently… that is NOT what it means. 😂

So now Mattie has to figure out her dress, I have to figure out what I’m wearing, and somehow flip-flops entered the conversation as a legitimate option.

And because Mattie likes to be prepared, she may bring multiple dresses… while I’ll probably show up with one outfit and hope for the best.

We’ll show you what we actually come up with in a couple days. 😂

Until then, if you need a mortgage, don’t worry. We’re much better at home loans than dress codes. 🏠

RC & ME
Twice the Experience. One Team.

09/21/2026

☕ Monday Motivation with RC & ME 😂

Mattie decided we needed to start something new: a Quote of the Week.

My first question was obviously the important one:

“So that means we have to do it every week?” 😂

Mattie’s response: “I don’t know. We’ll try it.”

So we're off to a very strong start with this new weekly tradition.

This week's quote hit especially close to home for Mattie, which somehow turned into a discussion about how she’s always late… but also leaves early.

And yes, I apparently hear “Bye, Ryan!” quite a bit. 😂

A little motivation. A little questionable commitment. And somehow an argument about Mattie’s work schedule.

Sounds about right for RC & ME.

Have a great week, everyone! 🏠❤️

Twice the Experience. One Team.

09/18/2026

🍹 We let Mattie make her first Long Island Iced Tea.

There was just one minor problem...

Mattie had never made one before. 😂

Actually, there were several minor problems.

Wrong bottle.
A little spillage.
No sour mix.
A lot more alcohol than Mattie was expecting.
And at one point, her solution to our missing ingredients was simply:

“I have lemons. Does that help?” 😂🍋

Somehow, against all odds, we ended up with something that actually tasted like a Long Island Iced Tea.

Mattie still wanted absolutely nothing to do with drinking it. 😂

Apparently Behind the Bar with RC & ME is becoming less about mortgages and more about finding out what Mattie and I have no business trying to make.

So now we need suggestions...

🍸 What should we attempt to make next?

And please keep in mind, our bartending skills are clearly still a work in progress.

Mortgages? We’ve got you.
Bartending? We’re learning. 😂

RC & ME
Twice the Experience. One Team.

09/16/2026

🚨 ARCHIE UPDATE 🚨

For everyone who saw Archie’s first video, we have some BIG news from the RC & ME office. 🐶😂

Archie has officially learned a new trick...

He can lay down when told.

Well... sort of.

There’s just one small technicality: he was already laying down when we told him to do it. 🤦‍♂️😂

But we’re counting it. Progress is progress.

He also made it very clear that performing tricks without receiving a treat is completely unacceptable. Apparently Archie has already figured out the whole “know your worth” thing.

So Archie’s updated résumé now includes:

🐾 Sits
🐾 Shakes
🐾 High fives
🐾 Free handshakes
🐾 Unlimited love
🐾 Lays down when told*

Results may vary if Archie is required to actually move.

Stop in and see Archie anytime. He’ll happily demonstrate his skills... assuming compensation is provided. 😂🐶❤️

RC & ME
Twice the Experience. One Team.

09/14/2026

🚨 The Fed is expected to raise rates Wednesday. So mortgage rates are going up too... right?

Not necessarily.

This is probably one of the biggest misconceptions we hear. The Federal Reserve does not directly set mortgage rates.

Right now, the bond market has been under pressure, the 10-year Treasury is approaching 5%, oil is above $100 a barrel, and inflation continues to be a concern.

Here’s where it gets interesting...

If the Fed raises rates by 0.25% Wednesday and the bond market believes the Fed is serious about getting inflation under control, bonds could actually react favorably.

So yes, it sounds strange, but:

📈 Fed raises rates
🏠 Mortgage rates do NOT automatically have to go up

And Wednesday’s actual rate decision may not even be the biggest part of the story. We’ll be paying close attention to what the Fed says about what comes next.

If you’re buying, selling, refinancing, or you’re a Realtor trying to make sense of what all of this means for your clients, that’s our job.

You don't have to become a bond-market expert. 😂

RC & ME
Twice the Experience. One Team.🚨 The Fed is expected to raise rates Wednesday.

25 years later, we still remember exactly where we were when we heard the news.We remember the fear and heartbreak. We r...
09/11/2026

25 years later, we still remember exactly where we were when we heard the news.

We remember the fear and heartbreak. We remember the first responders who ran toward danger while others were running away. We remember the thousands of innocent lives lost and the families whose lives changed forever.

But we also remember what happened afterward.

For a moment, we weren't divided by politics, opinions, or differences. We were simply Americans. We checked on our neighbors. We flew our flags. We stood together.

Today, we remember those we lost, honor those who served and sacrificed, and hope we never forget the unity that followed one of our country's darkest days.

Never Forget. 🇺🇸

#911

Address

1361 S Raccoon Road
Austintown, OH
44515

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+13307587542

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