Garrett Frol - NMLS #190157

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.

10/08/2025

Affordability is finally starting to lean in buyers' favor. Rates are dipping, home prices are cooling, and wages are trending up, which means the average monthly payment is down by nearly $300 compared to earlier this year. That’s a big deal. If you hit pause on your plans a few months back, it might be time to take another look.

06/17/2025

Big news if you're keeping an eye on the housing market. June kicks off our series on what to expect in the second half of 2025. We’re covering rates, prices, inventory, and more, with insights pulled straight from the experts. Ready to stay ahead? Let’s dive in.

04/15/2025

Worried about what a recession could mean for the housing market? You’re not alone - but the data may surprise you.

Historically, home prices have stayed steady (and even risen) during most recessions, and mortgage rates have actually dropped during the last six. That could mean a more affordable payment and more opportunity for buyers and sellers who are ready to make a move.

Want to learn more? We’ve got the breakdown right here: https://www.evergreenhomeloans.com/evergreen-insights/posts/what-happens-to-the-housing-market-during-a-recession-here-s-what-the-data-shows