03/20/2026
Rates just jumped almost half a percent in three days.
It happens while many people are waiting behind the fence for rates to dip sub-6%.
But it ticks back in the mid-6's…unbelievable.
People scratch their heads for sure.
They think the Fed controls mortgage rates. Even Powell admitted this week there's no clear path forward. There's no perfect move.
That's the reality of the lending market. One day it goes up, the next day it goes down.
Unless the difference is big, waiting is a mistake. It's not the $50 you save on payment; it's the end goal of your refinance or purchase.
Mortgage rates follow the bond market, and right now the bond market is reacting to inflation risk, oil prices, and global events.
That's why rates dropped… and then jumped right back up.
This is what a volatile market looks like.
While homeowners are waiting to refinance, the buying season has started. Buyers watch for new listings in real time. They window shop, check in at open houses and there are plenty of full price offers. Of course, it's a kind of market that allow some negotiation room.
Buyers winning right now aren't waiting for the perfect rate or perfect headline. They're creating certainty that align with their other goals, i.e. kids changing school, new job, marriage, new family members, adding to investment portfolio.
They're making decisions in real time. Goals achievers don't have time for waiting. More making choices, less on spectator sports.
Quick buyers know what's possible today, not what already happen last month.
We're helping people make decisions in a moving market.
We don't recommend pausing in volatile market, we move things forward cautiously, watching rates and lock in at the first chance it dips.
If you're on the fence or sitting on deals reach out and see what we can do to make it work. I'll run the numbers and give you a clear path forward.
Ace Thai
Loanpal Mortgage, LLC.
Loanpal Mortgage, LLC. is a Mortgage Broker. We originate mortgage loans on under NMLS #2181568. Licensed by the Massachusetts Division of Banks License , California - Department of Financial Protection and Innovation - DFPI Financing Law License # 60DBO-179139, Texas - SML Mortgage Company License for residential mortgage purchase and refinance transactions on 1-4 residential properties. We arrange mortgage loans for investments and business purposes in the following 34 states and the District of Columbia: Alabama, Mississippi, California, Arkansas, Ohio, Colorado, Montana, Connecticut, Nebraska, Delaware, New Hampshire, Michigan, Missouri, Florida*, Pennsylvania, Oklahoma, Georgia*, Hawaii, Indiana, Kentucky, Louisiana, Maine, Maryland, Massachusetts, New York, New Jersey, Rhode Island, S. Carolina, Tennessee, Texas, Washington, W. Virginia, Wisconsin, Wyoming.
H.Q. 6911 Texas 6S Suite 216, Houston TX 77083 Telephone: 617-466-9567 Email: [email protected] Web www.MyLoanPalMortgage.com *Title must be held by an entity.
