David Kosmecki, NMLS 265365

10/12/2026

I want to wait for rates before I buy... If this is you, check out my video and call me with questions. (763) 210-2610

10/01/2026

Is the mortgage market breaking?Is the mortgage market breaking?

Mortgage rates are moving in a volatile market, leaving homebuyers and homeowners wondering what could happen next. In this short, David Kosmecki, Senior Loan Officer, explains why mortgage rate volatility matters, what buyers should watch, and why waiting for the “perfect” rate may not always be the best strategy.

Thinking about buying a home?
Considering refinancing?
Watching mortgage rates?

Understanding the market can help you make a more informed mortgage decision based on your own financial situation.

📞 Book a free, no-obligation private phone consultation at BookDave.com.

Is the mortgage market breaking?Mortgage rates are moving in a vo...

09/28/2026

Very volitile market for 9.28.2026The video explains more clearly that the market turned sharply negative last Wednesday and Thursday. It started coming back on Friday. At the open today (Monday), it turned even more negative and then rebounded a bit. Typical knee-jerk initial actions, with a calming of the market.

The video explains more clearly that the market turned sharply nega...

09/27/2026

Buying A Home ! David KosmeckiBuying A Home! | David Kosmecki

Thinking about buying a home? In this video, David Kosmecki shares helpful insights, practical tips, and important things to consider before purchasing a house. Whether you’re a first-time home buyer or planning your next property purchase, this video can help you better understand the home-buying process.

From choosing the right property and understanding your budget to preparing for the purchase, discover useful home buying tips that can help you make more informed decisions.

If you’re interested in real estate, home buying, property investment, and buying a house, make sure to watch until the end!

Like the video, 💬 share your thoughts in the comments, and 🔔 subscribe for more helpful real estate and home-buying content.

Buying A Home! | David Kosmecki Thinking about buying a home? In ...

09/21/2026

Mortgage Market Update 9/21/2026Today mortgage bonds are showing promise and rates are lower. Since the Fed meeting last week, they have been up and then down in huge swings. The investors are struggling to get a good read on the the market.

Today mortgage bonds are showing promise and rates are lower. Since...

09/19/2026

New home or existing homeNew home or existing home—which one should you buy? 🏡 Both options have advantages and potential drawbacks. A new construction home may offer modern features, energy efficiency, and fewer immediate repairs, while an existing home may provide established neighborhoods, mature landscaping, and potentially more flexibility on price.

In this Short, Senior Loan Officer David Kosmecki breaks down key factors to consider before deciding which home is right for you—including your budget, financing, maintenance costs, location, and long-term goals.

Watch before you make your next home-buying decision!

📞 Have questions about getting a mortgage? Book a free, no-obligation private phone consultation at BookDave.com.

New home or existing home—which one should you buy? 🏡 Both options ...

09/16/2026

Foreclosure WAVE Coming? What the 2026 Numbers Really ShowForeclosure activity is rising in 2026, and that has many homeowners and potential buyers asking an important question: Are we heading toward another 2008 housing crisis?

In this mortgage market update, Senior Loan Officer David Kosmecki breaks down the latest foreclosure trends and explains what rising foreclosure activity could mean for home prices, mortgage rates, homeowners, buyers, and the overall U.S. housing market.

While foreclosure activity has increased compared with last year, today's market is very different from the conditions that led to the 2008 housing crash. The key question is whether increasing mortgage stress and economic pressure remain contained—or continue to build.

If you're thinking about buying a home, refinancing, or concerned about your current mortgage payment, understanding the market can help you make informed decisions.

I'm David Kosmecki, Senior Loan Officer. Follow for more mortgage market updates, housing market news, foreclosure trends, interest-rate analysis, and home-buying insights.



Foreclosure WAVE Coming? What the 2026 Numbers Really Show

Foreclosure activity is rising in 2026, and that has many homeowner...

09/14/2026

Market UpdateFeds will raise rates this week.

Feds will raise rates this week.

09/14/2026

Mortgage Rates May Move the OPPOSITE Way After the Fed Hike.Could mortgage rates actually FALL after the Federal Reserve raises rates?

It sounds backwards—but it’s possible.

In this mortgage market update, Senior Loan Officer **David Kosmecki** explains why a **Federal Reserve rate hike does not automatically mean higher mortgage rates

The Fed controls its short-term benchmark interest rate, while mortgage rates are influenced heavily by the **10-year Treasury yield, inflation expectations, economic data, and investor sentiment**.

If investors believe a Fed rate hike will help bring inflation under control, Treasury yields could fall—and that could create an opportunity for **mortgage rates to move lower**.

But there’s another side to the story. Persistent inflation, higher oil prices, and geopolitical uncertainty could keep pressure on the bond market and mortgage rates.

So if you're thinking about **buying a home, refinancing, or waiting for lower mortgage rates**, don't watch the Fed announcement alone. Watch what happens in the bond market.

📞 **Have questions about today's mortgage rates or your home-buying options? Contact David Kosmecki, Senior Loan Officer, for a personalized conversation.**

Subscribe for more **mortgage rate updates, housing market news, interest-rate analysis, and home-buying tips.**

Could mortgage rates actually FALL after the Federal Reserve raises...