Judy Miller Mortgage Team - powered by Canopy Mortgage

06/06/2026

BDogs Wisdom!!!

06/05/2026

We all been there!

06/05/2026

It’s time for a weekly market update!

06/05/2026

That’s what I make!

06/05/2026

It all matters! That’s why we ask for stuff!

06/05/2026

My brain never stops “mortgaging”

06/03/2026

The Iran conflict may be winding down, and for buyers, sellers, and real estate professionals, that is meaningful news worth paying attention to.

Geopolitical uncertainty has been one of the primary drivers pushing mortgage spreads higher and creating the rate volatility that has made planning difficult for anyone in the market.

As that uncertainty begins to ease, it creates a more stable and predictable environment for buyers and sellers to make confident decisions.

Rates will still be influenced by broader economic conditions, including inflation and bond market movement, but removing a major source of unpredictability from the equation changes the landscape in a positive way.

For agents, this is a genuinely good moment to reassure clients who have been hesitant.

The market is steadying.

Strategic moves made now can position buyers and sellers well for the months ahead before broader awareness of this shift drives increased competition and reduces the negotiating leverage that currently exists.

Reach out and let's talk through what this means for your specific situation and how to take advantage of the current window.

05/27/2026

Over the last six to eight months I keep hearing the same thing from buyers: I am going to wait until interest rates drop before I buy. And I understand the thinking. But here is what the data is actually telling us right now.

We were seeing some improvement in rates earlier this year but the Iran conflict created volatility that slowed that progress. However we are now beginning to see positive indicators emerge. Pending home sales have posted gains for three consecutive months. Signed contracts are up over 3 percent from last year and purchase applications are up 8 percent. That is a significant shift. The buyers who were waiting for lower rates are becoming active buyers right now and that changes the dynamics for everyone.

For sellers, waiting too long could mean entering a more competitive market with more inventory. For buyers, perfect conditions may never actually arrive. Rates are likely to hover approximately where they are through the end of the year. And while you are waiting for that perfect scenario, home prices may continue to increase, which would completely negate any rate improvement you were waiting for.

The bottom line is this. The odds of buying or selling at the perfect time are slim because nobody has a crystal ball. If you are thinking about buying or selling, now is the time to engage in that conversation, get pre-approved, and be ready to make a move when the right home shows up.

Follow me for weekly updates and reach out anytime if you need help with a mortgage loan.

05/24/2026

05/24/2026

It was a great day for some golf!
Bonham Area Chamber of Commerce Canopy Mortgage