Brad Iannucci OnPoint Home Lending NMLS #2664036

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Brad Iannucci OnPoint Home Lending NMLS #2664036

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Licensed Mortgage Loan Originator in OH & KY with OnPoint Home Lending in Burlington, KY

Get Pre-Approved: https://onpoint.my1003app.com/2664036/register

10/30/2026

Credit Karma vs. Reality. 🥊

10/29/2026

NKY Market Update 10/29/26

🏡 Median Home Price: $310,000
📉 Interest Rates: 7.29%
📦 Inventory: Limited, with opportunities on select listings
⏳ Average Days on Market: 31 days

Market Insight:
Mortgage rates are showing signs of stabilization, with the national average 30-year fixed sitting around 7.29%. While rates have experienced some volatility, we’re still seeing improvement compared to the highs earlier this month. The latest Federal Reserve announcement had little immediate impact on mortgage rates, while mortgage-backed securities (MBS) strengthened slightly and the 10-year Treasury yield moved lower. These are encouraging developments, although the market remains sensitive to economic news.

What this means:
Buyers - With rates stabilizing and some sellers becoming more flexible, there may be opportunities to negotiate better terms. Seller concessions, closing cost assistance, and temporary or permanent rate buydowns can help offset higher borrowing costs. It’s worth exploring your options rather than focusing solely on the headline interest rate.

Agents - As we move into November, affordability and creative financing remain important parts of the conversation. Buyers may have more negotiating leverage on certain listings, and utilizing seller concessions or available lender incentives can help structure deals that work for everyone. Keeping buyers fully pre-approved and informed of their financing options remains key.

🔗Apply here:
https://onpoint.my1003app.com/2664036/register

Brad Iannucci
OnPoint Home Lending
NMLS #2664036
[email protected]
513-301-5616

10/23/2026

NKY Market Update 10/23/26

🏡 Median Home Price: $310,000
📉 Interest Rates: 7.30%
📦 Inventory: Low
⏳ Average Days on Market: 31 days

Market Insight:
Mortgage rates continue to move in the right direction, with the national average 30-year fixed now around 7.30%, approaching one-month lows. We’ve seen some encouraging improvements over the past couple of weeks as bond markets adjust to changing economic expectations. While rates remain elevated, this recent movement is a welcome change and could provide some relief for buyers who have been waiting for better financing conditions.

What this means:
Buyers - With rates improving and some sellers becoming more flexible, we’re seeing opportunities that weren’t necessarily available earlier this year. Seller concessions, price reductions, and temporary rate buydowns can help make homeownership more affordable. If you’ve been sitting on the sidelines, it may be worth revisiting your numbers.

Agents - Improving rates combined with increased negotiating opportunities on certain listings could help bring hesitant buyers back into the market. We’re also seeing investors introduce additional incentives and financing options to help offset borrowing costs. Having these conversations early can make a meaningful difference when structuring offers and getting deals to the closing table.

🔗Apply here:
https://onpoint.my1003app.com/2664036/register

Brad Iannucci
OnPoint Home Lending
NMLS #2664036
[email protected]
513-301-5616

10/22/2026

Brad’s Home Picks of the Week

Here are a few homes that stood out to me this week!

A few of these homes also have seller credits available that can be used toward a rate buydown, potentially helping lower your monthly payment.

See something you like? Send it my way and I’ll run the numbers and go over your financing options.

I’m available for quick pre-approvals!

Apply here: https://onpoint.my1003app.com/2664036/register

Brad Iannucci
OnPoint Home Lending
NMLS #2664036
[email protected]
513-301-5616

10/16/2026

NKY Market Update 10/16/26

🏡 Median Home Price: $310,000
📉 Interest Rates: 7.33%
📦 Inventory: Low
⏳ Average Days on Market: 31 days

Market Insight:
Mortgage rates have shown some encouraging improvement this week, with the national average 30-year fixed dropping to 7.33%, down from 7.59% last week. The bond market experienced significant volatility today, but mortgage-backed securities (MBS) ultimately strengthened while the 10-year Treasury yield moved lower. Both are positive developments for mortgage rates, although we’ll need to see if this momentum continues.

What this means:
Buyers - While rates remain elevated, this week’s improvement is a welcome change. We’re also seeing opportunities for buyers to negotiate seller concessions, closing costs, and rate buydowns on certain properties. Combining these opportunities with improved rates could make a meaningful difference in affordability.

Agents - With rates showing some improvement and buyers gaining negotiating power on certain listings, this is a great time to revisit conversations with clients who have been sitting on the sidelines. Investors are also stepping up with creative financing programs and lender incentives to help offset higher borrowing costs. Properly structuring these deals can make a big difference in getting buyers back into the market.

🔗Apply here:
https://onpoint.my1003app.com/2664036/register

📲 Brad Iannucci
OnPoint Home Lending
NMLS #2664036
📧 [email protected]
📞 513-301-5616

10/15/2026

Congratulations to my FHA client on his new home! I appreciate you trusting me to help make it happen.

If you’re in the market or just want to evaluate your options, reach out. I’m happy to run the numbers and help you see what makes sense for you.

Brad Iannucci
OnPoint Home Lending
NMLS #2664036 #1131966
[email protected]
513-301-5616

10/08/2026

NKY Market Update 10/8/26

🏡 Median Home Price: $310,000
📉 Interest Rates: 7.59%
📦 Inventory: Low
⏳ Average Days on Market: 31 days

Market Insight:
Mortgage rates remain elevated this week, with the national average 30-year fixed reaching 7.59%. While rates started significantly higher yesterday, the bond market recovered much of its early losses. Mortgage-backed securities (MBS) have weakened slightly and the 10-year Treasury yield remains elevated, continuing to put pressure on mortgage pricing. Despite some volatility, we’re seeing investors introduce new loan programs and incentives to help offset higher borrowing costs.

What this means:
Buyers - Higher rates are certainly impacting affordability, but there’s another side to this market. Slower buyer activity is creating opportunities to negotiate seller concessions, closing costs, and rate buydowns. Sometimes a better deal on the home itself can help offset the higher rate.

Agents - With fewer buyers actively shopping, sellers may need to become more flexible. I’m also seeing investors step up with creative financing options, including temporary rate buydowns and additional lender credits. Understanding these options and structuring offers strategically can make a real difference in getting deals across the finish line.

🔗Apply here:
https://onpoint.my1003app.com/2664036/register

📲 Brad Iannucci
OnPoint Home Lending
NMLS #2664036
📧 [email protected]
📞 513-301-5616

10/07/2026

Your credit score alone doesn’t tell the whole story.

One of my investors has removed its minimum credit score requirement on select loan programs, with automated underwriting approval and program guidelines still required.

This is another example of investors stepping up and trying different ways to give buyers some breathing room in this higher rate environment.

If credit has held you back, let’s take another look and see what options you may have. Feel free to call or text me anytime. My phone line is ALWAYS open!!

Brad Iannucci
OnPoint Home Lending
NMLS #2664036 #1131966
[email protected]
513-301-5616

10/05/2026

Congrats to my client David on closing on his Conventional Cash-out Refinance. It was a pleasure working with you on this!

Have equity in your home and wondering what you could do with it? Whether you’re considering home improvements, consolidating high-interest credit card debt, or buying an investment property, your equity may help.

Send me a message and let’s run the numbers to see if it makes sense for you. No pressure—just a conversation about your options!

Brad Iannucci
OnPoint Home Lending
NMLS #2664036 #1131966
[email protected]
513-301-5616

Address

2912 E. Gallatin Street
Burlington, KY

Telephone

+15133015616

Website

http://onpointhomelending.com/, https://onpoint.my1003app.com/2664036/register

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