Kristina Torres, Mortgage Loan Officer, NMLS #1309441

06/28/2024

Yes!!!

11/11/2021

Thank you to our Amazing Hero’s! Happy Veterans Day!

11/09/2021

Food For Thought….HAPPY TUESDAY 🌺

04/01/2021

03/16/2020

Ok so Fed Rates cut down to 0%, so what does that mean??

Here ya go....

Fed Rate Cut & Mortgage Rates

Last night the federal reserve announced a rate cut and here’s what that means...

• Fed cutting rates is a short term overnight bank to bank lending rate which DOES NOT have a direct impact on mortgages.

• This cut will lower rates on credit cards, home equity loans, auto loans and other consumer loans that are affected by the “prime” rate.

What does this mean for mortgage rates??

• Could move mortgage rates lower but they could also go higher based on this. If the stock market rallies tomorrow on this news, it could actually cause long term rates (mortgages) to increase.

• Mortgage rates are based on the MBS (mortgage backed securities) market - which is independent from the treasury bond as well as the stock markets but typically reacts within certain tolerances of those financial markets.

09/24/2019

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