What are the opening hours?

Monday 9am - 9pm Tuesday 9am - 9pm Wednesday 9am - 9pm Thursday 9am - 9pm Friday 9am - 9pm Saturday 10am - 4pm Sunday 10am - 4pm

Kristi Gibb, Mortgage Broker NMLS #1737567

Home
United States
Bountiful, UT
Kristi Gibb, Mortgage Broker NMLS #1737567

Providing opportunities for low rates, hassle free mortgages for buying or refinancing a home throughout Utah.

09/08/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗦𝗲𝗽𝘁𝗲𝗺𝗯𝗲𝗿 𝟳, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Mortgage rates continued to creep higher last week, helped along by rising oil prices and markets pricing in a possible Fed rate hike this month after Fed Chair Warsh's comments in Jackson Hole and stronger-than-expected jobs data.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝘄𝗼𝗿𝘀𝗲𝗻 👎
This week features a focus on inflation, and if it comes in higher than expected it will pressure rates higher. Rates will also be influenced by oil prices, which continue to rise. It looks likely that mortgage rates will continue to creep higher unless something unforeseen happens this week.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
• The Fed: Mortgage rates currently reflect about a 60% chance of a Fed rate hike this month, and if inflation comes in hot, that could increase. Mortgage rates rise ahead of actual Fed rate hikes, so if markets anticipate a hike after this week's data, it will push mortgage rates higher to end the week.
• Inflation data: Wholesale inflation data comes out on Thursday, with consumer inflation data on Friday. If inflation comes in hotter than expected, it could push mortgage rates up to end the week.
• Oil: If oil prices continue to rise this week, it will pressure mortgage rates higher.

09/07/2026

Message me!!!

09/04/2026

Planning to purchase a home always involves lots and lots of questions… this includes questions that people don’t even KNOW to ask.

comment your questions OR dm me with your situation and let’s get them answered!

09/02/2026

😎 🍉 𝗛𝗮𝘃𝗲 𝗳𝘂𝗻 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸𝗲𝗻𝗱! 🚤 🍦

08/31/2026

You can have good credit, solid income, money for closing, and STILL have a government-backed mortgage come to a screeching halt. 😣

The reason could be something you’ve probably never even heard of: CAIVRS.

If you’re using a VA, FHA, or USDA loan, this federal database can uncover certain delinquent or defaulted federal debts, and sometimes the issue isn’t discovered until underwriting.

The good news is that A CAIVRS hit doesn’t necessarily mean the end of the road. But it DOES mean we need to figure out what’s reporting and what needs to happen to resolve it.

I had a CAIVRS hit for a client once where he needed to pay off $10,000 of a student loan. He was able to do that to close the loan. I had another CAIVRS hit for a client who didn’t realize they had a gov’t loan in default. Fortunately, we caught it before they went under contract.

This is one of those behind-the-scenes mortgage things buyers rarely know about until it affects them.

🏡 Follow for mortgage tips that help you be better prepared before you’re under contract.

FirstTimeHomeBuyer VeteranHomebuyer

08/31/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗔𝘂𝗴𝘂𝘀𝘁 𝟯𝟭, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝘄𝗼𝗿𝘀𝗲 👎
Rates have been pretty stable this month but ended last week near their highest levels. Most borrowers wouldn't see a change in rate, but may see a difference in the credit or points needed to get that rate.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝘄𝗼𝗿𝘀𝗲𝗻 👎
Rates could move higher this week as oil prices rise on increased tensions in the Middle East and markets worry the Fed may hike rates at its next meeting. Any increase may be small, but it's tough to see rates moving much lower from here.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
• The Fed: Fed Chair Warsh's Jackson Hole speech last week raised concerns that the Fed may hike rates as soon as the next Fed meeting in September to fight stubborn inflation. There is some concern the Fed may hike rates twice before the end of the year, despite upcoming midterm elections.
• Labor data: Several jobs reports come out this week, with Friday's BLS jobs report being the most important. The report will show how many jobs were created in August as well as the unemployment rate. Weak job numbers could help mortgage rates, while stronger numbers could increase the chances of a Fed rate hike in September.

08/26/2026

Just because you COULD possibly qualify for a mortgage doesn’t always mean you SHOULD buy a house right now. 🏡

Sometimes the best mortgage advice I can give someone is: not yet.

The goal isn’t just to get you approved and get you into a house. It’s to make sure homeownership puts you in a better financial position—not a worse one.

Buy when you’re financially prepared to keep it.

08/26/2026

If I had a dollar every time someone said Millennials and Gen Z “just don’t want to work”…

I might finally have enough for a down payment.

Buying a home can feel harder today, but that does not mean it is impossible.
The right loan program, a realistic budget, and a good plan can make a big difference.
Not sure where to start? Send me a message and let’s look at your options.

08/26/2026

Starting a new job while buying a home? Here’s what I want you to know. 👇

Please talk to me before you put in your notice. 😅

Changing jobs doesn’t automatically mean you can’t buy a home, but the timing matters.

If you’re starting a new job, I’m going to need to know:

👉 When is your last day at your current job?
👉 When does the new job officially start?
👉 What will your new pay be?
👉 Are there any conditions you still have to complete?
👉 When are we planning to close?

Depending on your loan type, we may also need an offer letter and additional documentation before we can use that new income to qualify.

This is one of those situations where I’d much rather you call me before making the change than tell me after everything is already in motion. 😂

Changing jobs? Moving money around? Making a big purchase?

When you’re buying a home, keep your loan officer in the loop. A quick conversation can save us both a headache later. 🙌

08/26/2026

Veterans! Please don’t assume a lower interest rate automatically means a good refinance.

(Also -> see if you can spot the deer…)

My husband recently received a VA IRRRL offer advertising a lower rate. Sounds great, right?

Then I looked at the fine print.

5.56 POINTS😳

This is exactly why I tell Veterans to look beyond the rate.

VA has rules designed to protect Veterans when refinancing, including limits on what can be financed and a 36-month recoupment requirement for applicable costs. But even if a refinance meets VA guidelines, that doesn’t necessarily mean it makes financial sense for you.

Before you refinance, look at the whole picture:

👉 What will the refinance actually cost you?
👉 How much will you save each month?
👉 How long will it take to break even?
👉 How long do you plan to keep the loan?
👉 Does this actually improve your financial position?

A lower rate is only one piece of the equation.

If you get one of these VA refinance offers in the mail and aren’t sure whether the numbers actually make sense, CALL ME. I’m happy to help you look at it.

Just be smart with your money.

VeteranHomeowners

Address

485 N 500 West
Bountiful, UT
84010

Opening Hours

Monday	9am - 9pm
Tuesday	9am - 9pm
Wednesday	9am - 9pm
Thursday	9am - 9pm
Friday	9am - 9pm
Saturday	10am - 4pm
Sunday	10am - 4pm

Website

http://www.gibbhomeloans.com/

Alerts

Be the first to know and let us send you an email when Kristi Gibb, Mortgage Broker NMLS #1737567 posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Kristi Gibb, Mortgage Broker NMLS #1737567:

Want your business to be the top-listed Finance Company in Bountiful?

Kristi Gibb, Mortgage Broker NMLS #1737567

09/08/2026

09/07/2026

09/04/2026

09/02/2026

08/31/2026

08/31/2026

08/26/2026

08/26/2026

08/26/2026

08/26/2026

Address

Opening Hours

Website

Alerts

Contact The Business

Shortcuts

Share

Category

Listing takedown request