Michael Roth - Mortgage Loan Officer - NMLS 809383

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๐Ÿก๐Ÿ“ˆ Is the Fed about to change the game again?In this month's market update, I break down what new Fed Chair Kevin Warsh'...
06/24/2026

๐Ÿก๐Ÿ“ˆ Is the Fed about to change the game again?

In this month's market update, I break down what new Fed Chair Kevin Warsh's first press conference could mean for interest rates, mortgages, and the housing marketโ€”and why rate hikes may be back on the table.

Plus:
๐Ÿ€ My thoughts on the Denver Nuggets' offseason
๐ŸŽ† A great free family-friendly 4th of July event at TPC Colorado

Read the full newsletter and let me know what you think!

06/19/2026

๐Ÿ“Š Fed Chair Kevin Warsh made his debut this week.

โœ… Rates held steady, but a divided Fed and Warsh's focus on "price stability" increased expectations for potential rate hikes later this year.

๐Ÿ‘€ Next up: Core PCE, GDP data, and ongoing Middle East developments.
๐Ÿก Mortgage strategy:
๐Ÿ”’ Lock for short-term contracts.
๐ŸŒŠ Cautiously float for longer-term timelines.

๐Ÿ“ˆ

06/05/2026

๐Ÿ“ˆ Jobs Report Shakes Up Rate Expectations
May added 172,000 jobsโ€”nearly double expectationsโ€”and for the first time in years, job revisions were actually positive. ๐Ÿ’ช
That's great news for the economy, but it could mean higher mortgage rates as markets now speculate the Fed may need to stay tougher on inflation. ๐Ÿ‘€
Next up: ๐Ÿ“Š CPI inflation data on Wednesday and continued developments in the Middle East.
Want to know what it could mean for mortgage rates and homebuyers? Read this week's full market update! ๐Ÿ‘‡
๐Ÿก

05/29/2026

๐Ÿ“‰ Mortgage rates are finally moving in the right direction ๐Ÿ‘€
After some of the highest levels of 2026, rates have started easing as oil prices drop and markets react positively to global negotiations. ๐ŸŒŽ๐Ÿ“Š
But with next weekโ€™s jobs reports ahead, volatility isnโ€™t off the table yet. โš ๏ธ
๐Ÿ”’ Lock or float?
It depends on your timeline โ€” and strategy matters more than ever right now.
I break it all down in this weekโ€™s market update. Reach out anytime if you want to talk options! ๐Ÿก

05/22/2026

๐Ÿšจ Weekly Market Update ๐Ÿšจ
What a week โ€”rates have been on a roller coaster ๐ŸŽข with the 10 yr yield hitting 4.70 before improving to 4.57 ๐Ÿ“Š
โœ… Signs of possible relief
โš ๏ธ Still plenty of uncertainty ahead
๐Ÿ“… Big economic reports next week (GDP + CPI)
๐ŸŒ Ongoing global headlines impacting everything
If you want to stay ahead of the market (and know when to lock vs. float ๐Ÿ”’โžก๏ธ๐Ÿ“ˆ), youโ€™ll want to read this weekโ€™s full breakdown ๐Ÿ‘‡
๐Ÿ“ฉ Check out the update for:
โœ”๏ธ What moved rates this week
โœ”๏ธ What the Fed is signaling
โœ”๏ธ What to watch next
โœ”๏ธ Strategy tips for your buyers
๐Ÿ“ฒ Need help with a deal this weekend? Reach me at 303 642 5617
๐Ÿ‘‰ Donโ€™t miss itโ€”this is one of those weeks youโ€™ll want clarity on!

05/15/2026

Big week in the markets ๐Ÿ“Š A new Fed Chairman is in place ๐Ÿฆ, but inflation came in hotter than expected ๐Ÿ”ฅโ€”pushing talk of potential rate hikes ๐Ÿ“ˆ back on the table. The 10yr is hovering above 4.5% ๐Ÿ“‰, which could mean higher rates ahead.

Next week is light on data ๐Ÿ—“๏ธ, but all eyes are on Fed minutes ๐Ÿ‘€ and global headlines (especially Iran ๐ŸŒ). Reach out anytime if you want to strategize! ๐Ÿ’ฌ

05/08/2026

Jobs Week ๐Ÿ“Šโœจ April came in strong with 115k jobs added vs. 65k expected! Unemployment stayed at 4.3%, and the 10 yr Treasury is hanging out around 4.35โ€”right in the middle of its range, so rates are kind of in a waiting game โธ๏ธ๐Ÿ“ˆ

Big week ahead with CPI on Tuesday and PPI on Wednesdayโ€”both key inflation reports to keep an eye on ๐Ÿ‘€๐Ÿ”ฅ Global headlines could also move things quickly.

๐Ÿ‘‰ Closing soon or canโ€™t risk losing pricing? I still recommend locking ๐Ÿ”’
๐Ÿ‘‰ Longer timelines? You can cautiously float, just stay alert ๐ŸŒŠ

Get the full details in my recap below.

05/01/2026

๐Ÿ“Š๐Ÿ€ Big Fed News, Market Moves, and Whatโ€™s Next โ€” from the future of interest rates to Jobs Week and what it means for buyers and borrowers. Read this weekโ€™s insights and rate strategy (and yesโ€ฆ Nuggets heartbreak included ๐Ÿ˜…).

04/24/2026

๐Ÿšจ Market Update: Eyes on Rates

The bond market was quiet this week, but the 10-year Treasury is near a key level ๐Ÿ‘€
๐Ÿ“Š ~4.30% now
โš ๏ธ A move above 4.35% could push rates higher
๐Ÿ”ฎ Next week brings big events:
๐Ÿ“… Fed meeting
๐Ÿ“Š Core PCE inflation
๐ŸŽค Powellโ€™s speech

๐Ÿ‘‰ Read the full update for details

๐Ÿ“ˆ

04/17/2026

๐Ÿ“‰ Rates improved this week after oil prices fell on Strait of Hormuz news โ›ฝ โ€” but the situation is fragile.
๐Ÿ—“๏ธ Next week is quiet on the economic front, and the Fed is staying cautious ahead of its lateโ€‘April meeting.
๐Ÿ‘‰ Keep reading for more information.

Address

2960 Diagonal Highway
Boulder, CO
80303

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