Rocky Kelley Home Loans - NMLS 2098193

06/12/2026

Want to stay ahead of market changes? We can help! Contact us today!

04/16/2026

Happy tax day! Whether you have filed or extended, your qualifications may now be different with a new tax year under your belt. Call us today to learn your updated buying power!

936-447-LOAN

02/20/2026

Real estate is heating up in Texas!

Experts say the low rates of the past are keeping the housing market locked, making prospective home buyer unwilling to leave their current, low interest rates. While true, it may not be as bad as some think.

According to data from HOMES.com, in the second half of 2025, more homeowners have mortgages above 6% than those with loans below 3%.

What does this mean?

- some buyers are slowly letting go of their current low rates, and are willing to make the new purchase to find a home that better fits their needs.

- there are A LOT, and I mean A LOT, of homes in that 3-4.5% range that are still holding out.

BOTTOM LINE? things are picking up, and we are about to set a record for February closings never achieved in the entirety of the past 18 years in business!

Call today to see what getting off the fence looks like for you! 936-447-LOAN

08/28/2025

The name "Crystal Clear Mortgage" is not by accident.

07/30/2025

We are here to lead the loan process with confidence. We are here for you when you need us.

04/08/2025

Stay informed about the best refinance opportunities with Crystal Clear Mortgage. Get notified when rates drop so you can save on your home loan. Sign up today and never miss a chance to refinance and save!

04/04/2025

Among the 300 largest metro area housing markets, 42 markets are seeing falling home prices on a year over year basis.

What is your plan when asked if prices are going to fall?

NOTE: Houston/The Woodlands/Sugarland stays strong at -0.1%.

03/29/2025

FHA restricts loan eligibility for non-residents. Know the rules and let us help you find the options that still exist for non-permanent resident homebuyers!

FHA has issued guidance that US citizenship or permanent residency status will be required for borrowers across all of its loan programs.

03/20/2025

The Federal Reserve Open Market Committee voted to hold the Fed Funds rate range at 4.25% to 4.50%.

3 Things to know:

1. Today, the FOMC decided to keep the Fed Funds rate range unchanged at 4.25% to 4.50%. This is the second decision in a row in which the Fed Funds rate cuts have been paused.

2. In the statement, the Committee inserted the following: “Uncertainty around the economic outlook has increased”.

3. The futures market is forecasting approximately 50 basis points of rate cuts by the end of 2025. Specifically, it expects a 25 basis point cut at the July 30th meeting, followed by another 25 basis point cut at the December 10th meeting.

The futures market had almost fully priced in a 100% likelihood that the Fed would keep rates unchanged at today’s meeting, and the Committee followed through with that expectation, opting to pause rate cuts once again. Chairman Powell emphasized that the Committee’s focus is on distinguishing “the signal from the noise.” Here, “signal” refers to reliable economic data, while “noise” pertains to the fluctuating headlines surrounding policy changes. Powell also addressed the current administration’s focus on key areas such as trade, immigration, fiscal policy, and regulation. He noted that the cumulative impact of these policies will shape both the economy and the trajectory of monetary policy. Ultimately, Powell stated that there is no rush to adjust the policy stance and that the Fed is in a strong position to wait for more clarity before making any changes.

What’s ahead:

In summary, Chairman Powell's outlook is cautious, and his approach appears to be one of patience, emphasizing the need to wait for more clarity. Powell highlighted the ongoing uncertainty in the economy, particularly stemming from the policy changes being implemented by the new administration. The economy is expected to grow at a slower pace than previously anticipated, with GDP growth projections for 2025 revised down to 1.7% according to their latest forecasts. Inflation is expected to rise slightly to 2.7%, with tariffs being highlighted as a key concern. Powell reiterated that the Fed will remain flexible in response to evolving conditions…as always!

Post-meeting, the futures market continues to price in two 25 basis point rate cuts in 2025.

Expectations of major events are typically priced into markets prices before they actually occur. But sometimes these events are not fully thought through.

03/13/2025

What would a recession mean for the housing market?

A 2025 recession could cool the housing market, lower home prices and mortgage rates, and offer opportunities for buyers.