Garrett Frol - NMLS #190157

07/09/2026

The mid-year market update is basically this: forecasts shifted, rates stayed higher than expected, and buyers are still being more selective. That does not mean plans have to sit on pause for the rest of the year. It means the strategy matters more. If you're thinking about buying, selling, or figuring out what still makes sense in your local market, let's talk through the numbers and make a plan for the second half of the year.

01/09/2026

More homeowners are realizing that holding onto a low rate indefinitely may no longer be the winning strategy it once seemed. Instead of asking, “What rate am I giving up?” they are starting to ask a more important question: “Does my home still fit my life?”

As the housing market stabilizes, more homeowners are rethinking ultra-low mortgage rates and prioritizing lifestyle fit, equity, and long-term flexibility heading into 2026.

12/15/2025

Wishing a bright and meaningful first day of Hanukkah to all who celebrate. May your homes be filled with light, joy, and moments that bring people closer together. From the glow of the menorah to the warmth of gathering with loved ones, we hope this season brings peace and hope to you and your family.

12/11/2025

If you have been waiting for a more hopeful housing market, this may be your moment. Mortgage rates are slowly trending lower, more listings are returning, and forecasts point toward a more active and balanced market in 2026.

That brings better affordability, more options, and a chance to make your move with confidence. I can walk you through your numbers and show you how programs like Security Plus can strengthen your offer.

Read more here: https://www.evergreenhomeloans.com/evergreen-insights/posts/2026-the-year-the-housing-market-picks-up-momentum

12/08/2025

What will happen in the housing market next year? Here are some best guesses from industry participants on many of the things that matter most – rates, prices, and sales.

Industry professionals expect a small decline in mortgage rates and a heftier increase in home sales, though that will differ by region.

11/18/2025

After a slower few years, the 2026 housing market is expected to shift into gear. Experts predict more buyers and sellers will jump back in as mortgage rates gradually ease and price growth stabilizes.

Rates are forecasted to trend lower throughout the year, while home prices are projected to rise at a steadier, more sustainable pace. That combination could open the door for more movement and new opportunities across the market.

If you've been waiting for the right time to make a move, 2026 may be your year. Let's start planning now so you're ready when it's time.

11/03/2025

Why did mortgage rates pop after the Fed rate cut? This happened the last time the Fed lowered its rate as well, and the reason is pretty simple: the bond market had already priced in a cut, but it didn’t like the commentary from Powell.

Mortgage rates surged higher after the Federal Reserve cut its benchmark interest rate. The market reacted to comments from the chairman on future cuts.