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Mark Gibson - Barrett Financial Group

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Mark Gibson - Barrett Financial Group

Providing great rates, great service and the most enjoyable loan experiences to Utah and beyond!

04/07/2026

New 5.0-star Review: "Working with Mark Gibson as our Mortgage Loan Originator was an outstanding experience from start to finish. He made what can often be a stressful and confusing process feel straightforward and manageable. Mark’s communication was exceptional. He was always available to answer questions, explain details clearly, and keep us informed every step of the way. We never felt out of the loop—he made sure we understood our options and felt confident in every decision. What really stood out was his professionalism, responsiveness, and genuine commitment to helping us succeed. It was clear that he truly cared about getting us the best outcome, not just closing a deal. We are incredibly grateful for the experience and feel very fortunate to have found Mark."

03/11/2026

𝗗𝗼𝗻'𝘁 𝗹𝗲𝘁 𝗷𝘂𝘀𝘁 𝗴𝗲𝘁𝘁𝗶𝗻𝗴 '𝗽𝗿𝗲𝗾𝘂𝗮𝗹𝗶𝗳𝗶𝗲𝗱' 𝗰𝗼𝘀𝘁 𝘆𝗼𝘂 𝘆𝗼𝘂𝗿 𝗰𝗵𝗮𝗻𝗰𝗲 𝗮𝘁 𝗮 𝗵𝗼𝗺𝗲!

𝗜𝗻𝘀𝘁𝗲𝗮𝗱, 𝘆𝗼𝘂 𝗺𝗮𝘆 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝘄𝗮𝗻𝘁 𝘁𝗼 𝗴𝗲𝘁 𝗽𝗿𝗲𝗮𝗽𝗽𝗿𝗼𝘃𝗲𝗱.
What is the difference? 🤔

👉 Getting prequalified is the process of providing a mortgage lender with some background information, like your credit, income, and expenses so the lender can help you determine how much you can afford and what you are likely to qualify for.

👉 A pre-approval, however, means you've provided the lender with proof of your income and assets and had a credit check to determine exactly how much you can be approved for. In some cases, a pre-approval can show you are approved for a loan before making an offer, which makes your offer stronger and could help you win a bidding war.

𝗪𝗵𝗶𝗰𝗵 𝗼𝗻𝗲 𝗶𝘀 𝗿𝗶𝗴𝗵𝘁 𝗳𝗼𝗿 𝘆𝗼𝘂? 𝗚𝗶𝘃𝗲 𝗺𝗲 𝗮 𝗰𝗮𝗹𝗹 𝗼𝗿 𝗰𝗼𝗻𝘁𝗮𝗰𝘁 𝗺𝗲 𝗱𝗶𝗿𝗲𝗰𝘁, 𝗮𝗻𝗱 𝗜'𝗹𝗹 𝗯𝗲 𝗵𝗮𝗽𝗽𝘆 𝘁𝗼 𝗵𝗲𝗹𝗽 𝘆𝗼𝘂 𝗱𝗲𝗰𝗶𝗱𝗲. 👍

I can provide either one, depending on your unique situation and where you are in the house hunting process. The best part? The conversation is absolutely free, and there's no obligation. 🏡 😁

03/09/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗠𝗮𝗿𝗰𝗵 𝟵, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Mortgage rates moved higher last week because of rising oil prices tied to the Iran conflict. Increased oil prices ripple through the economy, pushing up the price of goods and creating inflation. Inflation is bad for mortgage rates and generally pushes them higher. Jobs data, which showed fewer new jobs and higher unemployment, helped keep rates from moving significantly higher to end the week.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗺𝗼𝘃𝗲 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Military action in the Middle East is expected to continue for the next few weeks or longer, and oil prices are expected to keep rising. Mortgage rates still remain lower than last year but could creep higher this week. There is no reason to expect rates to fall until a resolution is reached in the Middle East.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Inflation data: This week's consumer inflation data would likely have played a bigger role in mortgage rates before the conflict in the Middle East. Now the data may seem less important as fresh inflation concerns rise.
- Military action in Iran: The situation in Iran has pushed up oil prices and sparked new inflation concerns. That has driven bond yields higher, which has pressured mortgage rates.

03/04/2026

Helping clients during the day… learning trending sounds at night. 🎶

All jokes aside, if you’re curious about what’s going on with mortgage rates, thinking about buying, or wondering if refinancing could save you money, let’s chat.

I’m always happy to help. Reach out anytime. 💬

03/02/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗠𝗮𝗿𝗰𝗵 𝟮, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝗹𝗼𝘄𝗲𝗿 👍
Mortgage rates didn’t move much last week, but dipped just low enough to generate headlines about reaching their best levels since 2022. Despite the media attention, rates really only moved slightly lower for the week.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗶𝗻𝗴 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Rates ended last week looking like they might be ready to move lower, but military action in the Middle East over the weekend quickly changed the mood. Rates are starting this week higher and potentially more volatile. While they’re not in danger of jumping sharply, it’s a good idea to stay in touch with your mortgage professional and keep an eye on how things develop.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Economic data: This week has quite a few important reports, most notably Friday's BLS jobs report, including unemployment figures. Economic data will still play a role but may be less important depending on how things play out in the Middle East.
- Military action in Iran: The situation in Iran has pushed up oil prices, along with speculation that prices could move significantly higher from here. That has sparked fresh concerns about inflation and has pushed up bond yields, which have pressured mortgage rates higher.

02/25/2026

If you’re going to quit one thing in 2026... quit waiting for “perfect” rates.

Yes, rates go down.
Yes, they go up.
Yes, they change.

But they usually don’t drop to the magic number everyone is hoping for.

I watch what’s happening in the market all the time. If there’s a big shift, I know. That’s part of my job.

But here’s what most people forget:

👉 The interest rate is only ONE part of the mortgage.

There’s also:

• How you structure the loan
• Whether you can refinance later
• Your long-term plans

You don’t win by trying to perfectly time the market.
You win when the numbers make sense for you and your life.

If you’re curious about where rates are, where they might be headed, and if you could be saving thousands right now, send me a message.

We can take a look at it together.

02/23/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗙𝗲𝗯𝗿𝘂𝗮𝗿𝘆 𝟮𝟯, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗿𝗲𝗺𝗮𝗶𝗻 𝗹𝗼𝘄 👍
Mortgage rates were basically unchanged last week, not even showing much movement on a day-to-day basis.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗿𝗲𝗺𝗮𝗶𝗻 𝗹𝗼𝘄 𝗯𝘂𝘁 𝘂𝗻𝗹𝗶𝗸𝗲𝗹𝘆 𝘁𝗼 𝗶𝗺𝗽𝗿𝗼𝘃𝗲 👍
Rates are not likely to make any significant improvement from here unless something unexpected occurs. With little in the way of economic data or other fundamental events to help improve mortgage bond prices, the basis for mortgage rates, it is unlikely we see rates move much lower. On the flip side, it is also unlikely that rates will creep higher. Any moves we do see this week should be small.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Economic data: There are only a couple of weekly labor reports on the calendar this week, along with wholesale inflation data on Friday. None of these are likely to have much effect on mortgage rates.
- The Fed: Normally the outlook for potential Fed rate cuts plays a role in mortgage rates, but markets are currently not expecting a rate cut until June at the earliest, and even that is only a coin-flip proposition according to markets.

02/18/2026

Rent can feel cheaper right now, but rent usually goes up.

A mortgage payment stays steadier.

Each payment builds equity, and your home may go up in value.

Owning has repairs.
Renting has rent hikes, moving, and no control.

In 30 years you can own a home.
In 30 years of renting, you don’t.

02/16/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗙𝗲𝗯𝗿𝘂𝗮𝗿𝘆 𝟭𝟲, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝗱 👍
Mortgage rates moved slightly lower this week, helped along by inflation that fell to a nearly five-year low. Rates were surprisingly unaffected by the jobs data, which came in showing a more resilient labor market than expected.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗶𝗺𝗽𝗿𝗼𝘃𝗲 👍
Rates could continue to make some small gains this week if economic data comes in showing a cooler economy and if the current momentum continues that has helped bond yields fall. Rates don't appear to have much room to move lower, though. On the flip side, if rates do move higher, it won't be much.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Presidents Day: Markets are closed Monday for the holiday, making Tuesday a possibly more volatile day for rates as trading resumes.
- Economic data: This week has another inflation report, as well as some smaller economic reports through the week. There’s nothing on the calendar that should cause any big moves or make any particular day more likely to see movement in mortgage rates.
- Fed minutes: Minutes from the Fed's last meeting will be released this week, but shouldn't cause any concerns among investors that would affect mortgage rates.

02/11/2026

🏡 Looking at homes without a pre-approval is like trying to run a race without being signed up.

You can still tour homes.
You can still like a house.
But when it’s time to make an offer, other buyers are already prepared.

Getting pre-approved helps you move faster when it matters.
Sellers tend to take these offers more seriously.
And you avoid last-minute surprises.

It doesn’t change the market.
It just helps you be ready when the right home shows up.

If you want to talk about getting pre-approved, feel free to reach out.

02/09/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗙𝗲𝗯𝗿𝘂𝗮𝗿𝘆 𝟵, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘀𝘁𝗶𝗹𝗹 𝗹𝗼𝘄 👍
Mortgage rates were slightly worse in the early part of the week, before improving after Thursday's jobs data showed a softening labor market, opening the door ever so slightly to the possibility of a Fed rate cut in the first half of the year. Rates improved to end the week basically unchanged.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗶𝗺𝗽𝗿𝗼𝘃𝗲 👍
Markets will once again be watching labor data after last week's BLS jobs report was delayed due to the partial government shutdown. Rates could end the week improved depending on how the labor data and consumer inflation data come in this week.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Labor market data: Last week’s BLS jobs report was delayed until this Wednesday, which could give mortgage rates a chance to improve. Markets reacted strongly to last week’s data, so if this report shows weakness, rates could once again improve, although we aren't likely to see a big drop in rates.
- Inflation data: Consumer inflation data will be released on Friday, and any sign that inflation is continuing to fall could help rates improve. Although it is possible inflation may not drop much, it is unlikely that it will move higher, which could pressure rates.

Address

Serving All Of
Cedar City, UT
84720

Opening Hours

Monday	8am - 8pm
Tuesday	8am - 8pm
Wednesday	8am - 8pm
Thursday	8am - 8pm
Friday	8am - 8pm
Saturday	9am - 6pm
Sunday	9am - 6pm

Telephone

+14352386864

Website

https://www.homeloansmadeeasy.com/

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