Brandon Floyd, Red Mountain Lending, NMLS # 1996927

09/08/2026

Rates feel high. But what are we comparing them to?

For many buyers, it’s 2020–2021, when mortgage rates were historically unusual. Zoom out across decades of rate history and the picture looks very different.

That doesn’t mean today’s rates are affordable for everyone, or that rates won’t change. But if you’re waiting for a specific rate, it’s worth asking:

How common has that rate actually been?

What mortgage rate are you waiting for?

08/13/2026

Nearly one in five active listings in the U.S. has taken a price cut, so sellers are already negotiating.

But a lower price isn’t the only thing a buyer can ask for.

If a seller is willing to negotiate, the next question is how you want to use that opportunity.

In this example, the same seller credit can be used in two bigger ways: toward a temporary 2-1 buydown or toward closing costs.

A price cut is still an option—but it often creates the smallest monthly change.

The best strategy depends on whether you want more monthly relief or less cash due at closing.

Let’s run the numbers and see which option fits you best.

08/05/2026

The proof is in the numbers folks! Home ownership remains a solid path to creating generational wealth! Stop paying someone else's mortgage and start saving for your future.

If you are interested in your particular county/state let me know!

07/10/2026

Real estate is a long-term conversation.

There have been years when home values declined, but historically, those years have been much less common than years of appreciation. Just take a look at El Paso County, CO.

That is why it is important to look at the bigger picture before making decisions based only on today’s headlines.

07/10/2026

Fed Chair Kevin Warsh has launched five new task forces to improve how the Federal Reserve gathers economic data, communicates with the public, and evaluates key issues like inflation, jobs, productivity, and its balance sheet.

The goal? Modernize the Fed's decision-making process to help guide future interest rate policy. All good things!

07/04/2026

Celebrating the 250th anniversary of the United States of America! Here's wishing you and your family a happy 4th of July.

07/01/2026

You could be earning rewards just for paying your mortgage! By making on-time digital mortgage payments through Bilt, you receive valuable points that can be redeemed for savings on dining, groceries, pharmacies, travel and more. Reach out to get started.

06/13/2026

Getting preapproved is an important first step in the homebuying process because it helps you understand how much home you can comfortably afford before you start shopping. During preapproval, a lender reviews your income, credit, debts, and financial history to estimate how much they may be willing to lend you. It can also make your offer stronger in the eyes of sellers since it shows you’re a serious buyer with financing already in progress. Plus, being preapproved can help speed up the closing process once you find the right home.

06/05/2026

Closing day is the best day!

Thank you so much for your kind words, Bree! It was an honor to help this wonderful family get the keys to their new home. Every successful closing is a team effort, and I'm grateful to collaborate with trusted professionals who always put families first.
Congratulations to our clients on this exciting new chapter and thank you for trusting me to be part of the journey!

🤍 Closing Day Story Time 🤍

This one was truly a team effort.

One of the things I value most in this business is surrounding myself with professionals I trust wholeheartedly. Not because I receive anything in return, but because I know the level of service, communication, and care they provide to the families we serve together.

Real estate is rarely a one-person job. Behind every set of keys is a team of people working hard to solve problems, answer questions, navigate obstacles, and make sure clients feel supported every step of the way.

A huge thank you to Brandon with Red Mountain Lending for going above and beyond for this family. Your dedication, communication, and commitment to helping them achieve homeownership did not go unnoticed. Having lending partners who genuinely care about people makes all the difference.

Today wasn’t just about closing on a house. It was about helping a family start their next chapter, and I’m incredibly grateful to have been part of the journey alongside such an amazing team.

Congratulations to the L family! 🎉🏡 Your patience, trust, and perseverance paid off, and I couldn’t be happier for you.

This is exactly why I love what I do. ❤️