Tami Konkel BayWest Mortgage Owner/Broker Brookings, Oregon Nmls#: 260054

09/11/2026

08/25/2026

New updated insurance requirements for manufactured homes when mortgage financing is involved. Purchase OR refinance. The added endorsement for replacement coverage is required. No longer can replacement cost calculators be utilized as previously allowed.

08/18/2026

Finally! Pre 1976 Manufactured Home Financing Now Available! Opening the doors to the place called home!

08/14/2026

Lowest Mortgage Rates in Nearly 4 Weeks!

06/25/2026

By: Matthew Graham
3 Hours, 0 Min ago
Mortgage rates had a great day yesterday, moving within 0.01% of the lowest levels in more than a month. They dropped just a bit more today and are now officially the lowest they've been since May 14th.

Today's improvement was more of an afterthought, but nonetheless helps legitimize yesterday's heavy lifting as something other than a freak coincidence. The only word of caution is that the last few weeks of any given quarter can see elevated volatility in a random pattern due to considerations in the trading world (mortgages are ultimately based on trading levels in the bond market).

In terms of nuts and bolts, bonds got today's modest boost after PCE inflation data came in on target. This doesn't seem like something that should spark a reaction, but the "target" is merely a median forecast. Some traders may have been expecting hotter inflation and were thus willing to buy a few bonds when those fears didn't materialize.

06/25/2026

The Federal Reserve held rates steady but suggests an increase may come before the end of the year.
Mortgage rates are lower than early 2025, but still well above lows due to inflation.
Borrowers should weigh offers carefully as rates remain volatile and market conditions can shift quickly.
Why It Matters: I stay current on rates, the Bond market, and Fed announcements which gives you a better position and timing of your own mortgage decisions.
Whether purchasing or refinancing, contact me for real advise and expertise. 541-251-4080

06/23/2026

Let's get you qualified and line up your financing to purchase! Financing, manufactured homes on own land, (not in parks or leased land), stick built, townhomes and condos, Conventional, FHA, VA, USDA, Jumbo, No income but rents programs for investors. Call me today for your options - 541-251-4080

06/16/2026

Did you know that "trigger leads" from a lenders credit report pulling was finally made illegal in March of this year? Trigger leads are other companies who purchased the leads from the credit agencies to market you unwilling when you've already decided on your lender who pulled your credit. It should have never been allowed in the first place; violation of the "Do Not Call List" that seems to be no longer in existence. Notice your phone now being blown up with text message solicitation? At any rate, this was a huge win for consumers and lenders!