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Robert Fabian - Home Loan Advisor - NMLS# 281274

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Brookfield, WI
Robert Fabian - Home Loan Advisor - NMLS# 281274

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Sistar Mortgage, LLC | NMLS #68434 | NMLS #281274 | Equal Housing Opportunity I’m a Mortgage Advisor who keeps the focus where it belongs—on you.

I specialize in construction and residential mortgage financing, offering single-close loans for Conventional, FHA, VA, USDA, and Jumbo programs with low down payment options. I deliver smart guidance, clear communication, and a streamlined process that makes homeownership feel achievable, not overwhelming. With local care and national strength, I help you move into your future with confidence.

10/30/2026

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲𝘀 𝗜𝗺𝗽𝗿𝗼𝘃𝗲, 𝗕𝘂𝘁 𝗪𝗶𝗹𝗹 𝘁𝗵𝗲 𝗥𝗲𝗹𝗶𝗲𝗳 𝗟𝗮𝘀𝘁?

If you're thinking about buying a home or building one, there's some encouraging news this week. The bond market moved in a positive direction, giving buyers a little breathing room when it comes to mortgage financing.

Mortgage pricing improved as investors shifted money into bonds, helping create some of the most favorable lending conditions we've seen in several weeks. While that doesn't guarantee lower mortgage rates for everyone, it's certainly a step in the right direction.

But we're not out of the woods yet. Inflation continues to be a concern, and the economy is growing faster than expected. The Federal Reserve decided to leave interest rates unchanged this week, which means we could continue to see mortgage rates fluctuate.

So, what does this mean for you?

If you're looking to purchase a home, build your dream home, or refinance, now is a good time to take another look at your financing options. Even small improvements in mortgage pricing can make a difference in your monthly payment and overall budget.

My advice? Don't put your plans on hold waiting for the perfect interest rate. Every situation is different, and understanding your options today can help you make a confident decision.

Let's talk about your goals and find a financing solution that works for you.

10/27/2026

𝗕𝘂𝗶𝗹𝗱𝗲𝗿𝘀 𝗔𝗿𝗲 𝗟𝗼𝘄𝗲𝗿𝗶𝗻𝗴 𝗣𝗿𝗶𝗰𝗲𝘀 𝗪hat D𝗼𝗲𝘀 𝗧𝗵𝗮𝘁 𝗠𝗲𝗮𝗻 𝗳𝗼𝗿 𝗛𝗼𝗺𝗲𝗯𝘂𝘆𝗲𝗿𝘀?

The housing market is shifting, and if you've been thinking about building your dream home, these changes are worth paying attention to. With builders adjusting prices and more homes sitting on the market, it's a good reminder that buyers have options including the opportunity to build a home designed around their needs, rather than settling for what's already available.

So, what does this mean for you?

Builders want to sell homes, and when inventory starts piling up, they're often more willing to negotiate. That could mean a lower purchase price, help with closing costs, or even incentives to reduce your mortgage interest rate.

But here's something I always tell my clients: Don't focus only on the advertised price. Sometimes a builder's financing incentives can save you more money than a price reduction. It all depends on your situation.

As we head into the slower winter months, we may see even more opportunities for buyers.

My advice? Before accepting a builder's offer, let's compare the financing options and make sure you're getting the best overall deal. A little homework now could make a big difference in what you pay for your new home.

10/23/2026

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗠𝗮𝗿𝗸𝗲𝘁 𝗦𝗵𝗼𝘄𝘀 𝗜𝗺𝗽𝗿𝗼𝘃𝗲𝗺𝗲𝗻𝘁, 𝗯𝘂𝘁 𝗨𝗻𝗰𝗲𝗿𝘁𝗮𝗶𝗻𝘁𝘆 𝗥𝗲𝗺𝗮𝗶𝗻𝘀

We saw some encouraging movement in the bond market this week, which is good news for anyone thinking about buying a home or refinancing. But before we get too excited, there's still plenty happening in the economy that could change things quickly.

The 10-year Treasury yield, an important indicator of where mortgage financing may be headed, dropped to approximately 4.95% Thursday before moving back toward 4.99% Friday morning. That improvement came as investors grew more concerned about economic growth and shifted their money toward safer investments.

While that helped the broader bond market, the investments that help determine mortgage pricing haven't improved as consistently. That's why you may hear positive news about the economy or bond market without seeing an immediate improvement in your financing options.

Inflation is still a concern, with wholesale prices rising 6.3% over the past year. That puts additional pressure on the Federal Reserve as it considers its next steps.

So, what does this mean for you? If you're planning to purchase a home or refinance, don't put your plans on hold waiting for the perfect market. Let's look at your budget, review your financing options, and make sure you're positioned to take advantage of opportunities when they come along.

The best decision isn't always about timing the market. It's about making the right move for your financial situation.

10/20/2026

𝗕𝘂𝗶𝗹𝗱 𝗼𝗿 𝗕𝘂𝘆? 𝗪𝗵𝘆 𝟮𝟬𝟮𝟲 𝗜𝘀 𝗖𝗵𝗮𝗻𝗴𝗶𝗻𝗴 𝘁𝗵𝗲 𝗛𝗼𝗺𝗲𝗼𝘄𝗻𝗲𝗿𝘀𝗵𝗶𝗽 𝗘𝗾𝘂𝗮𝘁𝗶𝗼𝗻

With home prices remaining elevated and existing inventory not always meeting buyers’ needs, more homebuyers are asking an important question: Is it better to buy an existing home or build something new?

As a mortgage originator, I encourage buyers to look beyond the initial price tag. An existing home may seem more affordable, but renovations, outdated systems, and ongoing maintenance can quickly add to the overall cost. Building a new home offers the opportunity to create a space that fits your lifestyle while incorporating modern designs, energy efficient features, and lower maintenance materials.

Financing options have also made building more accessible. Construction-to-permanent loans can combine the construction financing and permanent mortgage into one transaction, potentially reducing closing costs and simplifying the process.

Builders may also offer incentives, including closing cost assistance or financing concessions, that can make new construction worth considering.

Of course, building requires careful budgeting, realistic timelines, and the right financing strategy.

My advice? Before ruling out new construction, compare the total costs of both options. With the right guidance and loan program, building your dream home may be more achievable than you think.

10/16/2026

𝗕𝗼𝗻𝗱 𝗠𝗮𝗿𝗸𝗲𝘁 𝗦𝗵𝗼𝘄𝘀 𝗜𝗺𝗽𝗿𝗼𝘃𝗲𝗺𝗲𝗻𝘁, 𝗕𝘂𝘁 𝗪𝗶𝗹𝗹 𝗜𝘁 𝗟𝗮𝘀𝘁?

After several weeks of rising yields and pressure on mortgage pricing, we finally saw a little relief in the bond market this week. That's encouraging news for buyers and homeowners, but I wouldn't call it a turning point just yet.

The 10-year Treasury yield, an important benchmark for mortgage rates, dropped from above 5.30% earlier this month to around 5.08%–5.12% by Friday. Much of that improvement came as investors moved money out of technology stocks and into the relative safety of Treasury bonds.

However, mortgage-backed securities didn't see the same improvement. MBS prices slipped approximately 0.25% to 0.30% on Friday, reminding us that lower Treasury yields don't always translate into better mortgage pricing.

Inflation continues to be a concern. September producer prices reportedly increased 6.3% compared to last year, and mortgage bond funds have experienced three consecutive weeks of withdrawals. Both factors can put additional pressure on mortgage pricing.

So, what does this mean if you're buying a home or considering refinancing?

My advice is simple: Don't wait for the perfect market. Focus on being prepared.

Make sure your pre-approval is current, understand your payment options, and have a conversation with your lender about when it makes sense to lock your rate.

Markets can change quickly, and opportunities don't always last long. My job is to help you understand those changes and make the best financing decision for your situation.

A little improvement is welcome, but having a plan is what really puts you in a stronger position.

10/14/2026

Manufactured homes aren’t what most people think they are.

When most people hear “manufactured home,” they picture something from 1985. That picture is way out of date.

Here’s what’s actually happening. Manufactured housing keeps gaining share against site-built homes, helped by a lower monthly payment while affordability stays stretched. In April, manufactured homes accounted for 9.7% of single-family home starts.

And the rules are catching up. HUD Code modernization is moving forward, including removal of the permanent chassis requirement, and zoning reform is spreading across several key states.

Why does that matter? Because the price gap is real. One of the largest manufacturers puts average retail prices around $124,000, compared to $406,000 for site-built homes.

For the right buyer, a manufactured home on their own land is one of the most realistic paths to ownership right now.

The key is financing it the right way. That’s where I come in.

If you’ve been feeling priced out of homeownership, don’t count yourself out yet. Send me a message and let’s look at what’s possible for you.

10/09/2026

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗠𝗮𝗿𝗸𝗲𝘁 𝗨𝗽𝗱𝗮𝘁𝗲: 𝗪𝗵𝘆 𝗕𝗲𝗶𝗻𝗴 𝗣𝗿𝗲𝗽𝗮𝗿𝗲𝗱 𝗠𝗮𝘁𝘁𝗲𝗿𝘀

If there’s one thing I want buyers to understand about this week’s bond market, it’s that a little improvement doesn't necessarily mean we're out of the woods.

The 10-year Treasury yield climbed as high as 5.364% before pulling back to around 5.24% by Friday. That was welcome news for mortgage-backed securities, which recovered some ground late in the week. But we're still dealing with a market where interest rates can change quickly, and those changes can directly affect your mortgage financing.

What's driving all this? Inflation concerns, uncertainty about the Federal Reserve's next move, and continued pressure on the bond market. Until we see more consistency in the economic data, I expect mortgage pricing to remain sensitive to these developments.

Here's what I tell my clients: Don't try to time the market perfectly. Be prepared to take advantage of an opportunity when it comes.

That means keeping your pre-approval updated, having your financial documents ready, and avoiding changes to your credit or finances while you're shopping for a home.

I've seen buyers benefit from improvements in mortgage pricing simply because they were ready to move when the opportunity presented itself.

My job is to help you understand your options, watch the market, and make informed decisions about when to lock your rate.

The right preparation today can make a real difference when you're ready to buy.

10/06/2026

𝗦𝘁𝗼𝗽 𝗔𝘀𝘀𝘂𝗺𝗶𝗻𝗴 𝗡𝗲𝘄 𝗖𝗼𝗻𝘀𝘁𝗿𝘂𝗰𝘁𝗶𝗼𝗻 𝗖𝗼𝘀𝘁𝘀 𝗠𝗼𝗿𝗲

Most buyers rule out building before they ever run the numbers. They assume it costs too much.

Builders are hungry right now. New homes have seen price cuts more often than resale homes for two quarters running, and nationally the price gap between new and existing has all but disappeared.

That changes the math on building.

Here's what a lot of people miss. With construction financing, you're not locked into today's long-term rate. The build can take close to a year, and you move into permanent financing when it's done.

Already own land? That equity may count toward your down payment.

And you're not paying for someone else's dated kitchen or the roof they put off replacing.

But if you've been waiting for the right house to hit the market, it might be time to build it instead.

You find the land. You choose the builder. We help take care of the rest.

Let's talk construction financing.

10/02/2026

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲𝘀 𝗛𝗮𝗱 𝗮 𝗥𝗼𝘂𝗴𝗵 𝗪𝗲𝗲𝗸 𝗛𝗲𝗿𝗲’𝘀 𝗪𝗵𝗮𝘁 𝗜𝘁 𝗠𝗲𝗮𝗻𝘀 𝗳𝗼𝗿 𝗬𝗼𝘂

This week was another reminder that mortgage rates can move quickly.

The 10-year Treasury, which can give us a good indication of where mortgage rates are headed, climbed to around 5.17% by the end of the week. At one point, it reached about 5.23%, its highest level since 2007.

You don't need to know everything about the bond market to understand the important part:

When these markets move higher, mortgage rates can feel the pressure too.

We did get some good news on Friday. The market bounced back a bit and rates had some room to improve. But one better day doesn't necessarily mean rates are about to drop.

We're still seeing a lot of movement from day to day.

Part of that has to do with inflation and the economy. Some recent economic numbers came in stronger than expected, while consumer confidence dropped and concerns about inflation remained elevated.

In other words, the economy is still holding up, but inflation hasn't completely gone away.

So what does all of this mean if you're thinking about buying or selling a home?

If you're buying:
Don't wait until you've found your dream home to figure out your financing. Getting pre-approved gives you a clear idea of what you can afford and puts you in a much better position when the right house comes along.

And once you're under contract, we'll want to have a conversation about when it makes sense to lock your rate. Trying to perfectly time the market is nearly impossible.

If you're selling:
Higher rates can affect what buyers are comfortable spending. That means pricing your home correctly and being thoughtful about things like seller concessions can make a real difference in getting a deal done.

The biggest takeaway this week is pretty simple:

You don't have to predict what mortgage rates are going to do. You just need to be prepared for them to move.

If you're thinking about buying, selling, or refinancing, let's talk through your options and figure out what makes sense for your situation.

09/29/2026

𝗬𝗼𝘂'𝗿𝗲 𝗕𝘂𝗶𝗹𝗱𝗶𝗻𝗴 𝗜𝗻 𝘁𝗵𝗲 𝗪𝗿𝗼𝗻𝗴 𝗢𝗿𝗱𝗲𝗿

I see the same thing happen all the time.

Someone finds the perfect piece of land. They fall in love with a floor plan. They start talking with a builder and getting excited about what they’re going to build.

Then they call me about the financing. And sometimes, the numbers don’t work the way they expected.

That’s why I tell clients: before you choose the builder and before you get too far down the road with a house plan, let’s figure out the financing.

Start by getting pre-qualified for a construction loan. That gives us a realistic budget and lets you make decisions based on actual numbers not estimates or assumptions.

Next, look at the land. If you already own your lot, you may have equity that can be used toward the project. If you’re still shopping for land, we can factor that purchase into the overall financing strategy.

Then it’s time to choose your builder and finalize the plans. Now you’re having those conversations knowing what you can comfortably finance.

From there, we structure the construction loan around the project including the draw schedule, construction timeline, reserves and room for potential change orders.

Construction financing doesn’t have to be complicated. But the order matters.

If you own land, have a floor plan picked out, or you’re just starting to think about building, talk to me before you start putting all the pieces together.

Let’s build the financing plan first then build the house.

Address

200 S Executive Drive Suite 101
Brookfield, WI
53005

Opening Hours

Monday	9am - 6pm
Tuesday	9am - 6pm
Wednesday	9am - 6pm
Thursday	9am - 6pm
Friday	9am - 6pm

Telephone

+12629011460

Website

http://www.bobfabian.com/

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