Scott Kagi, Mortgage Lender

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Castle Rock, CO
Scott Kagi, Mortgage Lender

Providing opportunities for low rates, hassle-free mortgages for buying or refinancing a home throughout CO, CA, WA, TN & AZ

You've heard the horror stories...how hard it is to qualify, not to mention the fighting, shopping, and haggling to get a good rate.I've got great news...

When you're ready, the next step in getting a low rate mortgage made easy is to contact me so we can review your unique situation and make sure that you get a low rate mortgage without the stress and hassle.

06/16/2025

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗝𝘂𝗻𝗲 𝟭𝟲, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝗯𝗲𝘁𝘁𝗲𝗿 👍
Mortgage rates improved last week after inflation data showed both consumer and wholesale inflation were less affected by the recent tariffs and came in lower than expected. Inflation is a big enemy of mortgage rates, so lower inflation left the door open for rates to improve on the week.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
This week, mortgage rates could bounce around day to day, although we shouldn't see big moves for the week. The main event is Wednesday's Fed activity, which is always a mover for mortgage rates. However, markets are closed on Thursday for Juneteenth, which means we may see more movement on Friday.

📈 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- The Fed: The Fed is expected to leave its policy rate unchanged at this month's Fed meeting, but markets will be looking at the new rate forecast issued each quarter by Fed members. Fed Chair Jerome Powell's press conference following the Fed statement has the potential to affect rates, as Powell answers press questions about the Fed's outlook on tariffs, inflation, and other topics. We could see mortgage rates change through the day on Wednesday afternoon as markets digest the Fed's comments.

06/09/2025

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗝𝘂𝗻𝗲 𝟵, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗯𝗮𝘀𝗶𝗰𝗮𝗹𝗹𝘆 𝘂𝗻𝗰𝗵𝗮𝗻𝗴𝗲𝗱 👎
Mortgage rates were just as volatile as expected last week, improving midweek on signs of a weakening economy, then giving back all those gains after stronger-than-expected BLS jobs data on Friday highlighted continued labor market strength. Although rates ended the week unchanged, this gets a thumbs down because rates couldn't hold the improvements.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗰𝗿𝗲𝗲𝗽 𝗵𝗶𝗴𝗵𝗲𝗿 👎
There isn't likely to be too much movement in rates early in the week, but Wednesday's consumer inflation data kicks off more activity on the economic calendar. If inflation comes in hotter than last month's readings, it could pressure rates to start moving slightly higher.

📈 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Inflation: Traders are expecting to see inflation come in hotter in May, which would mark the first increase in four months. This week's inflation reports will also offer the Fed a final look at the impact of tariffs ahead of this month's Fed meeting.
- Tariffs and trade war: Markets continue to react to changes in trade and tariff policy, which can create some volatility in day-to-day mortgage rate pricing.

06/06/2025

New 5.0-star Review: "I've worked with Scott many times, and the experience is always top notch! He is always quick to respond to any questions that I or my clients have, and if he doesn't know the answer he digs and finds out! He's never out for the "sale", just truly wants to help his partners and clients out. I can't recommend him enough!"

06/02/2025

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗝𝘂𝗻𝗲 𝟮, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝗱 👍
Good news for last week as mortgage rates improved to end the week slightly lower than the week before. It wasn't a big improvement, with most borrowers seeing better rebate pricing rather than actual lower rates, but it was still welcome after seeing rates creep higher the last couple of weeks.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
Rates will take their cue from this week's labor market data, but shouldn't make any big moves higher or lower regardless of which direction they go. The outlook for the near future is that rates will continue to move higher or lower day-to-day, but not make any big moves without something changing in the economic or labor market outlook.

📈 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Jobs data: This week will be filled with different jobs reports starting on Tuesday, with Friday's BLS jobs data having the biggest effect on mortgage rates.
- Tariffs and trade war: Despite recent positive news, tariffs continue to be a concern to markets with talk from other countries of retaliatory tariffs. Retailers are starting to talk about passing along the increased costs to consumers, which will drive up inflation and could pressure mortgage rates higher.

05/27/2025

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗠𝗮𝘆 𝟮𝟲, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝘄𝗼𝗿𝘀𝗲 👎
Mortgage rates moved higher last week, despite little economic data to give rates direction. Fed speakers continued to deliver a unified message that patience is paramount as the Fed waits to see how current tariff policy affects inflation and the economy.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗰𝗿𝗲𝗲𝗽 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Although the week is starting out with some early improvements for rates after the holiday weekend, it is unlikely that rates improve much from here. The flip side is that rates are also unlikely to make any big moves higher.

📈 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- The Fed: Markets will digest the minutes from the Fed's last meeting, and will be looking for signs that the Fed may be willing to cut rates in the second half of the year.
- Economic data: Consumers are more confident about the economy than last month's near 5-year low consumer confidence reading.
- Inflation: The Fed's favored gauge of inflation will be released on Friday, and is expected to show that inflation continues to move lower. However, concerns remain that prices may move higher soon as tariffs start to trickle down to the consumer level.

05/19/2025

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗠𝗮𝘆 𝟭𝟵, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝘄𝗼𝗿𝘀𝗲 👎
Mortgage rates actually crept to the highest levels midweek despite better than expected data showing inflation continues to cool. Rates rallied a bit to end the week, improving from the worst levels, but still ended the week slightly worse.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗰𝗿𝗲𝗲𝗽 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Rates moved higher throughout last Friday, and with a light week for economic data, we could see them continue to drift up. Markets have lowered expectations to just two Fed rate cuts this year and are feeling more upbeat about the economy thanks to new trade deal announcements. That optimism makes it unlikely mortgage rates will drop much, if at all, from here.

📈 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Fed speakers: There are a plethora of Fed officials that will be out speaking this week. Although they are unlikely to say much that will rattle markets and affect mortgage rates, it is possible markets will look to them for direction.
- Memorial Day: Markets will close early on Friday at 2pm ET and will be closed Monday. Most lenders will tend to price more conservatively on a holiday weekend, meaning rates may be slightly worse than they normally would be based on market conditions.

05/16/2025

New 5.0-star Review: "Scott Kagi is, hands down, one of the best lenders I have ever had the pleasure to work with. His communication is on point and efficient. He is honest about pricing and will also admit if you will get a better deal using a different lender. He is amazing! 10/10"

05/16/2025

New 5.0-star Review: "Scott Kagi is an incredible lending partner! He’s helped so many of our clients close smoothly and confidently. His guidance, professionalism, and commitment to a top-notch client experience sets him apart. We’re so lucky we get to work with him!"

05/12/2025

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗠𝗮𝘆 𝟭𝟮, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘂𝗻𝗰𝗵𝗮𝗻𝗴𝗲𝗱 👍
Although rates did move slightly from day-to-day, the moves were small and mortgage rates ended the week basically unchanged. Rates did improve slightly after the Fed meeting, where the Fed left its policy rate unchanged and acknowledged uncertainty ahead, noting it’s keeping a close eye on both inflation and the labor market.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗰𝗿𝗲𝗲𝗽 𝗵𝗶𝗴𝗵𝗲𝗿 👎
This week has already seen mortgage rates react to news of a temporary trade deal with China, and will see rates react to inflation data and other lesser economic reports. Rates are unlikely to make any big moves higher or lower unless there is a big surprise in the inflation data, but rates may still end the week worse if traders continue to be concerned about inflation despite the new temporarily lowered tariffs on China.

📈 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Inflation: Both consumer and wholesale inflation data from April comes out early this week, and could cause mortgage rates to move in reaction.
- The Fed: Markets are starting to doubt that the Fed will need to cut rates this year more than previously expected to keep the economy and labor market from growing weaker, which is pressuring rates to start the week.

05/05/2025

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗠𝗮𝘆 𝟱, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘄𝗼𝗿𝘀𝗲 👎
Mortgage rates held steady early in the week but slipped on Friday after the BLS jobs report showed the labor market is still strong, making a June Fed rate cut look unlikely. Rates usually fall when the economy shows signs of weakness and rise when the data points to strength, as we saw last week.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗺𝗼𝘃𝗲 𝗵𝗶𝗴𝗵𝗲𝗿 👎
This week, mortgage rates will take their cues from the Fed meeting and Fed Chair Jerome Powell's press conference. Given the recent strength in economic and labor data, it is unlikely the Fed will say anything that helps rates improve, but it is still possible.

📈 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- The Fed: Mortgage rates are not directly set by the Fed, but they are heavily influenced by what the Fed does and says. Right now, markets are watching closely for any signs that the Fed may cut its policy rate in the future to support the economy as tariff-related slowdowns continue. Mortgage rates could be volatile around the Fed meeting and Chair Powell’s press conference.
- Trade Tensions: Markets have become less rattled by tariffs and trade war headlines lately, which has helped mortgage rates recover from the highs we saw a few weeks ago.

05/01/2025

🎶 “JUSTIN, WHEN’S THE BEST TIME TO BUY A HOUSE?”
🗣️ It’s gonna be MAY!

Alright, there really isn’t a “best” time to buy a house, but spring is heating up, rates are stabilizing, and homes are hitting the market like it’s 2000 all over again. (Pssst, that is an N’Sync joke 😜)

💥 Whether you're a first-time buyer or thinking about moving up, let’s chat before May gets away from you!

04/30/2025

New 5.0-star Review: "Scott is amazing! He has been a great asset to me, my clients, and my company. His communication and knowledge of lending process is unrivaled. We have had some tough deals but Scott knew what to to do get me and my clients to the closing table. I would highly recommend working with Scott for every home purchase and refinance."

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Castle Rock, CO
80108

Telephone

+17202912151

Website

http://www.withmultiply.com/scott-kagi

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