Tiare Ferguson, NMLS #267738, Peoples Mortgage

04/05/2026

Happy Easter, everyone! May your baskets be full, and your hearts even fuller!

04/01/2026

04/01/2026

Don't let mortgage myths fool you! We are here to make the mortgage process clear and easier to navigate. From your first question to closing day, you've got a team guiding you every step of the way.

03/30/2026

Happy Monday!

The trend continues to not be our friend as mortgage rates hit another 8-month high on Friday. The cause is the same as the past 4 weeks as the war in Iran continues despite some de-escalation chatter last week. As long as the war is continuing, the price of oil will be elevated and there will be inflation concerns which have caused mortgage rates to increase by about .7% from the lows at the end of February.

What does this week bring? A very active week kicked off with a Jerome Powell speech on Monday. Tuesday the Job Openings and Labor Turnover Survey (JOLTS) is forecast for 7 million. A miss below this number should be good for mortgage rates while a miss higher would not. Wednesday has the ADP Employment report and the ISM Manufacturing forecast for 52%. The Initial Jobless Claims on Thursday is forecast for 210k. The biggest release of the week comes on Friday with the Jobs Report. The forecast is for 45k jobs added after a negative 92k reading last month. The unemployment rate is forecast for 4.5%.

What will the Fed do next? Their next meeting is almost a month away and the odds of a rate cut are 0. It is not looking very likely that the Fed will be cutting the Fed Funds Rate this year. A month ago, the market was pricing in 1-3 cuts this year, but now the odds are higher for an increase in the Feds Funds Rate compared to a cut.

03/18/2026

Our Wednesday Chat …..

03/17/2026

Congratulations to sisters Elizabeth and Monica who just purchased their first home together! 🏡🔑

Thank you for choosing to work with Loan Officer Tiare Ferguson, NMLS #267738, Peoples Mortgage and our entire team at Cornerstone Mortgage!

11/26/2025

Time for a quick chat!!

07/11/2025

Such a fun couple!!!

Congratulations to Kyle and Marissa on the closing of their first home!🏡🔑

Thank you for entrusting Loan Officer Tiare Ferguson, NMLS #267738, Peoples Mortgage and our local Cornerstone Mortgage Bakersfield team to help make this dream a reality!

05/30/2025

Congratulations to Tashawna and her sister Mariah who just purchased their first home together! Thank you for choosing to work with Loan Officer Tiare Ferguson, NMLS #267738, Peoples Mortgage and our entire team at Cornerstone Mortgage to help you achieve this huge goal!🏡🔑

We also want to thank Alfonso Valero with Ryan Dobbs Realty for helping this client find their dream house!🙌

03/12/2025

I truly love helping my VA buyers - they have served our county, and I am proud to be of service to them!!

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