Christopher Murray Mortgage NMLS# 103453

08/20/2026

🏡 FIRST-TIME HOME BUYER SUCCESS STORY! 🎉

When the right program meets the right strategy, homeownership can look a lot more achievable.

This first-time home buyer is purchasing with just 3% down, and here’s how we structured the transaction:

💰 $15,000 in down payment assistance
📉 30-year fixed rate: 5.675%
📊 APR: 6.148%
🏦 $15,000 toward closing costs + down payment assistance
🤝 $8,100 seller contribution toward closing costs
💵 And after everything was accounted for, the buyer is literally bringing only $500 of their own money to the transaction!

That means a buyer who may have thought, “I need a huge amount of cash to buy a home,” is now becoming a homeowner with a remarkably low cash investment.

And yes… 5.675% is a rate I’m extremely proud to put in front of my clients. 🔥

Every borrower’s situation is different, and rates/programs are subject to qualification and change, but this is exactly why having a mortgage professional who knows how to structure the entire transaction matters.

If you’re a first-time buyer wondering whether homeownership is actually within reach, let’s run the numbers. You might be closer than you think. 🏠

06/03/2026

"What if I buy and home prices go down?"

It's a question many buyers are asking right now.

No one can predict exactly what home prices will do in the short term. But when you look at the long-term data, home values have historically trended upward over time.

While there have been periods of decline, they have been relatively rare compared to the number of years home prices increased.

Every market and situation is different, but looking at the bigger picture can help put today's headlines into perspective.

What are your thoughts on the current housing market?

📞 (919) 656-8375
📩 [email protected]

NMLS 103453 & 40561
Equal Opportunity Lender

04/24/2026

Markets this week were influenced by both economic data and ongoing global developments.

Even with that, spending remains strong, and the job market is staying stable.

If you are thinking about buying or exploring loan options, feel free to reach out anytime.

📞 (919) 656-8375
📩 [email protected]

NMLS 103453 & 40561
Equal Opportunity Lender

11/17/2023

https://www.msn.com/en-us/money/realestate/mortgage-rates-decline-for-third-consecutive-week/ar-AA1k2U26?ocid=msedgdhp&pc=U531&cvid=5005f5113a85488bb4ecc6efb1e9f7bb&ei=31

The average rates for 30- and 15-year fixed mortgages have declined for the third straight week, signaling a downward trend after inflation cooled last month.

10/11/2023

True story! A week or so ago I was in drive thru of my favorite Starbucks! I always order the same thing but over the last few orders the total was always different. Curious, I asked the drive thru attendant why. As they were trying to figure this out for me the gentleman behind me got a little irritated because it was taking longer then what he thought it should. He started shouting out his window at me, blowing the horn and using some choice words that indicated he was having a pretty bad day. As we pulled forward to pay he was still ranting and pointing fingers and really letting me know his day was off to a bad start because I delayed his Starbucks order by a few minutes. I pulled up to the window paid for mine and of course paid for his. Fast forward to today I go in the Starbucks and the staff member who was working the window was working the register today and she told me after paying for his Starbucks he was really confused as to why I would do that. Well, I guess it sparked something in him because he paid for the person behind him who was also confused because they saw his behavior and how upset he was acting. I knew he really wasn’t upset with me and something started his day off the wrong way. I was just an excuse for him to let some of that anger go. Lesson learned for me is you just never know when a little act of kindness may impact someone’s day. There is a lot of anger, finger pointing, bad news, war and just over all stress in todays world. Let’s all strive to do better, one act of kindness to have a big impact. I hope his day got better and he was able to let go of what he was really upset with.

03/14/2023

Thinking about moving / purchasing a new home ? Got questions about this recent market shift?? Call and let’s discuss your options. As a experienced resource to answer all of your questions?
Look no further! Reach out today and let’s take the simplified and satisfied path to your dream of homeownership!
American Security Mortgage
The Chris Murray Team
[email protected]
919-443-1600
NMLS 103453 ASMC 40561
APPLY NOW- http://www.thechrismurrayteam.com

The average rate on the popular 30-year fixed mortgage dropped to 6.57% Monday, according to Mortgage News Daily.

03/13/2023

The market is moving .. stay informed👍🏼

Mortgage rates are around 50 basis points lower today compared to last week. The average 30-year rate could be at 6.5% after hovering at 7% throughout last week.

When there is a financial market panic, investors shift money towards safe asset. The safest is the U.S. Treasury notes and bonds. The next is pretty much anything with government guarantees such as those buying Veterans Affairs mortgages, FHA mortgages, and those mortgages purchased by Fannie Mae and Freddie Mac. Consumer taking out a mortgage from say Bank of America or Quicken Loans are probably being sold to Fannie and Freddie. That is why the mortgage rates follow the movement of Treasury yields.

So a panic in a sense lead to an automatic stimulus to the economy from lower interest rates. The housing sector nearly always respond to falling mortgage rates especially when there are job additions to the economy.

Silicon Valley Bank’s problem, aside from the tech industry downturn, was the mismatch in duration. It bought plenty of Treasury bonds few years ago when interest rates were low. There are no defaults but the bank had to pay 4% short term rate now to depositors while collecting only 2% to 3% long term committed rate from Treasury it had purchased. Not a good business model.

The data below from U.S. Treasury and from Mortgage News Daily. NMLS 103453

03/01/2023

Failure and success are part of the same paradigm- not separate nor opposite.
Failure or mistakes are part of learning and growth, which can lead to success.

02/23/2023

Great perspective on the history of rates.