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Charley Whitlow, Mortgage Broker NMLS #302607, Brownsville, TX (2026)

02/13/2023

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗙𝗲𝗯𝗿𝘂𝗮𝗿𝘆 𝟭𝟯, 𝟮𝟬𝟮𝟯

𝗥𝗲𝗰𝗮𝗽 𝗼𝗳 𝗹𝗮𝘀𝘁 𝘄𝗲𝗲𝗸: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Mortgage rates moved higher last week because market sentiment shifted towards more Fed rate hikes to come and the Fed rate possibly peaking at 5.25%. This shift in sentiment was triggered from this month's jobs data and made worse from positive economic data and Fed speakers who talked about raising rates to fight inflation.

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝘄𝗶𝗹𝗹 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
This week we don't know which way rates will move, but we know they will move in reaction to Tuesday's CPI consumer inflation data. Depending on this report, we could see rates continue to creep higher this week or possibly improve slightly.

🗓️ 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Inflation: If Tuesday's CPI consumer inflation report shows that inflation continues to come down it could help stabilize rates. However, if markets don't like the data, it could cause concerns that inflation is back on the rise and that the Fed will have to be more aggressive in fighting inflation at upcoming meetings, and will push mortgage rates up.
- The Fed: Mortgage rates react to anticipated Fed moves, rather than actual Fed moves. Markets are now pricing in more hikes before the Fed stops hiking its policy rate, pushing mortgage rates higher.

02/06/2023

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗙𝗲𝗯𝗿𝘂𝗮𝗿𝘆 𝟲, 𝟮𝟬𝟮𝟯

𝗥𝗲𝗰𝗮𝗽 𝗼𝗳 𝗹𝗮𝘀𝘁 𝘄𝗲𝗲𝗸: 𝗥𝗮𝘁𝗲𝘀 𝘄𝗲𝗿𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
Mortgage rates improved through the week until Friday's jobs data came in much stronger than expected, pushing rates up to end the week about the same as they started it. The jobs data blew away all expectations, with more than double the expected new jobs created and with unemployment hitting a 53-year low.

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗺𝗼𝘃𝗲 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Average mortgage rates could continue to creep higher this week, after the strong labor numbers gave the Fed more room to continue to raise its policy rate at future meetings to fight inflation. Mortgage rates react to the speculation of moves before they happen, so this opens the door to higher rates now rather than when the Fed actually acts.

🗓️ 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Economic data: A few Treasury auctions and Friday's consumer confidence reading are most likely to affect mortgage rates this week.
- Inflation: Rates this week may move as traders try to anticipate next week's CPI inflation data, which will set the tone for which direction rates move from here depending on if inflation is still falling and by how much.
- The Fed: Markets are now pricing in a higher peak before the Fed stops hiking its policy rate, pushing mortgage rates higher.

01/30/2023

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗝𝗮𝗻𝘂𝗮𝗿𝘆 𝟯𝟬, 𝟮𝟬𝟮𝟯

𝗥𝗲𝗰𝗮𝗽 𝗼𝗳 𝗹𝗮𝘀𝘁 𝘄𝗲𝗲𝗸: 𝗥𝗮𝘁𝗲𝘀 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝘄𝗼𝗿𝘀𝗲 👎
Average mortgage rates crept slightly higher last week, but not by much as inflation data came in showing inflation continues to cool.

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
This week could see rates move a lot day-to-day, and could also set the tone for how rates will move higher or lower from here in coming weeks. Wednesday's Fed meeting and press conference will cause the biggest moves, followed by jobs and wage data on Friday and consumer confidence data on Tuesday. This is a good week to stay in contact with your mortgage professional.

🗓️ 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Economic data: A busy week of data that includes consumer confidence as well as jobs and wage reports, all of which could cause some movement for rates this week.
- The Fed: The Fed will announce a rate hike on Wednesday expected to be .25%, and will issue its policy statement followed by a press conference by Fed Chair Jerome Powell. Markets have already priced in this rate hike so it won't hurt mortgage rates, but traders will be looking for signs on when the Fed will pause rate hikes and when we may see rate cuts later in the year. Depending on how markets react to these events, we could see rates improve or get worse.

01/23/2023

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗝𝗮𝗻𝘂𝗮𝗿𝘆 𝟮𝟯, 𝟮𝟬𝟮𝟯

𝗥𝗲𝗰𝗮𝗽 𝗼𝗳 𝗹𝗮𝘀𝘁 𝘄𝗲𝗲𝗸: 𝗥𝗮𝘁𝗲𝘀 𝘄𝗲𝗿𝗲 𝘂𝗻𝗰𝗵𝗮𝗻𝗴𝗲𝗱 👍
Average mortgage rates improved slightly through the early part of the week, but gave back the gains to end the week basically unchanged. Mortgage rates remain well below the high mark set back in November when most consumers were facing rates in the mid-7s.

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝘄𝗼𝗿𝘀𝗲𝗻 👎
This week could see mortgage rates could creep higher ahead of next week's Fed meeting. Rates aren't likely to make any big moves, but it is possible that rates could be slightly worse to end the week unless they get help from this week's economic data. It is next week's Fed meeting that will have the strongest influence on which direction mortgage rates move next.

🗓️ 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Economic data: Housing data this week is unlikely to affect rates, but we will see some other economic data including the PCE inflation report on Friday that could influence rates. None of the data though should be especially bad for mortgage rates.
- The Fed: Current mortgage rates are based on the speculation that the Fed policy rate will peak at 4.75% by March. If markets start to believe that the Fed will raise the policy rate higher, based on strong economic data, it will pressure mortgage rates higher.

01/17/2023

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗝𝗮𝗻𝘂𝗮𝗿𝘆 𝟭𝟲, 𝟮𝟬𝟮𝟯

𝗥𝗲𝗰𝗮𝗽 𝗼𝗳 𝗹𝗮𝘀𝘁 𝘄𝗲𝗲𝗸: 𝗥𝗮𝘁𝗲𝘀 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝗹𝗼𝘄𝗲𝗿 👍
Average mortgage rates improved a bit further last week, with consumer inflation data coming in that showed inflation was moving lower, as economists had forecast. Although we didn't see a big drop, the small improvement was welcome with rates much lower than the highs near the end of 2022.

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗹𝗶𝗸𝗲𝗹𝘆 𝘁𝗼 𝗵𝗼𝗹𝗱 𝘀𝘁𝗲𝗮𝗱𝘆 👍
This week mortgage rates are likely to be relatively unchanged, with some small day-to-day movement but not any big moves for the week. Mortgage rates are likely to hold near current levels this week and next week, ahead of the Fed meeting at the end of the month.

🗓️ 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Economic data: Wholesale inflation data comes in on Wednesday, and economists are expecting wholesale inflation to be cooling alongside consumer inflation. Also on Wednesday the retail sales data comes out, and if it shows spending is falling would help support lower mortgage rates.
- The Fed: Current mortgage rates are based on the speculation that the Fed policy rate will peak at 4.75% by March. If markets start to believe that the Fed will raise the policy rate higher, based on strong economic data, it will pressure mortgage rates higher.

01/09/2023

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗝𝗮𝗻𝘂𝗮𝗿𝘆 𝟵, 𝟮𝟬𝟮𝟯

𝗥𝗲𝗰𝗮𝗽 𝗼𝗳 𝗹𝗮𝘀𝘁 𝘄𝗲𝗲𝗸: 𝗥𝗮𝘁𝗲𝘀 𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝗱 👍
Mortgage rates improved last week after Friday's jobs data showed job growth came in better than expected while wage gains came in lower, and the ISM services gauge unexpectedly shrank signaling economic contraction. These two events combined shifted the outlook of how aggressive the Fed will be on future rate hikes, which helped mortgage rates improve.

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗶𝗺𝗽𝗿𝗼𝘃𝗲 𝗳𝘂𝗿𝘁𝗵𝗲𝗿 👍
This week we could see rates take another step lower, if we get disinflationary CPI consumer inflation data on Thursday. Unless we get a surprise reading showing inflation has increased, rates should remain near these levels or improve this week.

🗓️ 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Economic data: December's CPI inflation report comes out on Thursday and if it shows a third straight month of disinflation as is expected, could help push mortgage rates lower. However, a surprise increase in inflation would be bad for rates.
- The Fed: If markets continue to believe that the Fed will have to ease off future rate hikes and will be forced to start cutting rates in 2023, mortgage rates will benefit. However, if markets shift to speculating more aggressive Fed rate hikes, that will pressure mortgage rates higher.

01/03/2023

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗝𝗮𝗻𝘂𝗮𝗿𝘆 𝟮, 𝟮𝟬𝟮𝟯

𝗥𝗲𝗰𝗮𝗽 𝗼𝗳 𝗹𝗮𝘀𝘁 𝘄𝗲𝗲𝗸: 𝗥𝗮𝘁𝗲𝘀 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Average mortgage rates crept a bit higher during the holiday shortened week last week, mainly due to conditions caused by low trading volume in the markets. Unfortunately we have seen rates move higher now for two weeks in a row, although not by much.

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗶𝗺𝗽𝗿𝗼𝘃𝗲 👍
This week we could see mortgage rates improve a bit, hopefully recovering some from the increases we saw during the last couple of weeks. All eyes will be on Friday's jobs data, and Friday could be a volatile day for rates.

🗓️ 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Economic data: There isn't much data to worry about this week, but Friday's jobs data has the potential to have a big effect on rates. Markets will be looking for signs of the labor market weakening, and signs of strong wage growth or low unemployment could pressure mortgage rates. This is the last jobs report before the next Fed meeting, so markets will be watching it closely.
- The Fed: Current mortgage rates are based on the speculation that the Fed policy rate will peak at 4.75% by March. If markets start to believe that the Fed will raise the policy rate higher, based on strong labor data and other strong economic data, it will pressure mortgage rates higher.

12/27/2022

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗗𝗲𝗰𝗲𝗺𝗯𝗲𝗿 𝟮𝟲𝘁𝗵, 𝟮𝟬𝟮𝟮

𝗥𝗲𝗰𝗮𝗽 𝗼𝗳 𝗹𝗮𝘀𝘁 𝘄𝗲𝗲𝗸: 𝗥𝗮𝘁𝗲𝘀 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Average mortgage rates crept a bit higher last week, although the movement wasn't much and was mainly due to low trading volumes during the end of year holidays. Mortgage rates are tied to the markets, and the low trading volume can cause a bit of choppiness for rates.

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝘀𝗵𝗼𝘂𝗹𝗱 𝗯𝗲 𝘂𝗻𝗰𝗵𝗮𝗻𝗴𝗲𝗱 👍
The week between Christmas and New Years is usually a quiet week for mortgage rates, and we don't usually see much movement. While it is possible that rates could creep up or down slightly, it is likely that we end the week with rates basically the same.

🗓️ 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Economic data: There is very little data being reported this week, and nothing that should affect mortgage rates.
- Holidays: Mortgage rates are tied to the performance of securities on the bond market, which was closed Monday in observance of Christmas and will close early Friday for New Years. The bond market will also be closed on Monday 12/2 for New Years. This should help mortgage rates remain basically unchanged for the week.

12/23/2022

⚠️ 🚨 You have likely heard the ads... "Push button. Get mortgage."

Is it really that easy? Not yet it's not... 😅

The truth is that there are many different mortgage programs out there, and which one you choose can affect your interest rate, your payment, and even the amount of money you will need to put down.

𝗠𝗮𝗸𝗶𝗻𝗴 𝗮 𝗺𝗶𝘀𝘁𝗮𝗸𝗲 𝗰𝗼𝘂𝗹𝗱 𝗰𝗼𝘀𝘁 𝘆𝗼𝘂 𝗵𝘂𝗻𝗱𝗿𝗲𝗱𝘀 𝗼𝗳 𝗱𝗼𝗹𝗹𝗮𝗿𝘀 𝗮 𝗺𝗼𝗻𝘁𝗵 𝗮𝗻𝗱 𝘁𝗵𝗼𝘂𝘀𝗮𝗻𝗱𝘀 (𝗼𝗿 𝗲𝘃𝗲𝗻 𝘁𝗲𝗻𝘀 𝗼𝗳 𝘁𝗵𝗼𝘂𝘀𝗮𝗻𝗱𝘀!) 𝗼𝗳 𝗱𝗼𝗹𝗹𝗮𝗿𝘀 𝗼𝘃𝗲𝗿 𝘁𝗵𝗲 𝗹𝗶𝗳𝗲 𝗼𝗳 𝘆𝗼𝘂𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲. 𝗢𝗿, 𝗶𝘁 𝗰𝗼𝘂𝗹𝗱 𝗺𝗲𝗮𝗻 𝘁𝗵𝗮𝘁 𝘆𝗼𝘂 𝗵𝗮𝘃𝗲 𝘁𝗼 𝗽𝘂𝘁 𝗱𝗼𝘄𝗻 𝗺𝗼𝗿𝗲 𝗺𝗼𝗻𝗲𝘆 𝘁𝗵𝗮𝗻 𝘆𝗼𝘂 𝗿𝗲𝗮𝗹𝗹𝘆 𝗻𝗲𝗲𝗱𝗲𝗱 𝘁𝗼.

Even with the right program, a lot can go wrong during the mortgage process. Don't you want a human on your side to help guide you through the problems and make it go smoothly and hassle free?

✅ 𝗜 𝗰𝗮𝗻 𝗱𝗼 𝘁𝗵𝗮𝘁 𝗳𝗼𝗿 𝘆𝗼𝘂.

👉 𝗜𝗳 𝘆𝗼𝘂 𝘄𝗮𝗻𝘁 𝘁𝗼 𝗯𝗲 𝘀𝘂𝗿𝗲 𝘆𝗼𝘂 𝗮𝗿𝗲 𝗴𝗲𝘁𝘁𝗶𝗻𝗴 𝘁𝗵𝗲 𝗿𝗶𝗴𝗵𝘁 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲, 𝘁𝗵𝗲𝗻 𝘆𝗼𝘂'𝗿𝗲 𝗯𝗲𝘁𝘁𝗲𝗿 𝗼𝗳𝗳 𝘄𝗼𝗿𝗸𝗶𝗻𝗴 𝘄𝗶𝘁𝗵 𝗺𝗲 𝘁𝗵𝗮𝗻 𝘁𝗵𝗲 𝗮𝗽𝗽 𝗼𝗻 𝘆𝗼𝘂𝗿 𝗽𝗵𝗼𝗻𝗲. 𝗜'𝗺 𝗵𝗲𝗿𝗲 𝘁𝗼 𝗵𝗲𝗹𝗽 𝗮𝗻𝘆𝘁𝗶𝗺𝗲, 𝗷𝘂𝘀𝘁 𝗿𝗲𝗮𝗰𝗵 𝗼𝘂𝘁 𝘄𝗵𝗲𝗻 𝗶𝘁 𝗶𝘀 𝗰𝗼𝗻𝘃𝗲𝗻𝗶𝗲𝗻𝘁 𝗮𝗻𝗱 𝘄𝗲'𝗹𝗹 𝗳𝗶𝗻𝗱 𝘀𝗼𝗺𝗲 𝘁𝗶𝗺𝗲 𝘁𝗼 𝘁𝗮𝗹𝗸.

I'm here if you need me.

12/19/2022

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗗𝗲𝗰𝗲𝗺𝗯𝗲𝗿 𝟭𝟵, 𝟮𝟬𝟮𝟮

𝗥𝗲𝗰𝗮𝗽 𝗼𝗳 𝗹𝗮𝘀𝘁 𝘄𝗲𝗲𝗸: 𝗥𝗮𝘁𝗲𝘀 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝗱 👍
Last week's inflation data came in narrowly better than expected, and although above the Fed's target 2% rate was tied for lowest since November 2021. And while the Fed raised policy rates 0.5% and gave a message that it projected to raise rates in 2023 higher than markets expected, markets don't believe the Fed will be able to do that due to a slowing economy and decreasing inflation. All of this helped mortgage rates end the week slightly better than the previous week.

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝗰𝗵𝗼𝗽𝗽𝘆 ⚠️
Average mortgage rates may creep up a bit this week, but aren't in danger of moving significantly higher from here. Traders tend to take off the last couple of weeks of the year, which leads to lower trading volumes and can make mortgage rates a bit choppy from day to day. We could end the week with rates slightly higher though, after ending last week near the best levels we've seen in months.

🗓️ 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Economic data: Consumer sentiment and the PCE inflation report come out on Friday, and could cause more movement than normal due to the holiday.
- Christmas: The bond market will close early Friday (2pm ET) and be closed on Monday in observance of Christmas.

Charley Whitlow, Mortgage Broker NMLS #302607

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