Toby Alkire, Mortgage Broker, Double H Mortgage NMLS #2689092

06/04/2026

What an amazing event! Get out, show your support, and help make a difference in our community!

CHEYENNE: Please join Wyoming Hunger Initiative for our second day of volunteering on July 10th in Cheyenne with hunger relief partners. Volunteering is as vital as donating money, bringing personal time, skills, and energy to create lasting, meaningful community impact. We hope you will join us. Sign up now to volunteer, get a free T-shirt, and lunch at the Governor’s Residence! Together we can do so much more. This event will be capped at 100 participants so register early.

Registration Link:
https://docs.google.com/forms/d/e/1FAIpQLScUVTtz30Ffd_SP0sLUwF-e2jY2XiQ4Ej_lmEBBi5bWHZNIrQ/viewform

06/01/2026

FUTURE RATES TODAY!
Thinking about buying a home? Right now, qualified buyers may be eligible for a FREE 1-0 temporary buydown program.
What does that mean?
A temporary 1-0 buydown program can reduce your payment during the first year of your loan by lowering the effective rate by 1%.
Example:
🏡 $550,000 purchase price
📌 6.00% fixed note rate
✅Payments based on 5.00% for year one!

That could mean approximately $350–$400 per month in savings during the first year compared to the full note rate payment.
For many buyers, that can mean thousands saved during the first 12 months in the home.

If you want to compare payments or see whether this fits your situation, send me a message.

Limited-time program ends 30 June!. Qualification required.
The ALKIRE TEAM at Double H Mortgage
TOBY ALKIRE
(307) 286-9303
NMLS: 2689092
Equal Housing Opportunity

I’m a Mortgage Loan Originator who believes every client deserves clear guidance and honest advice. My goal is to empower you with the knowledge to make confident decisions, backed by a disciplined and service-focused approach every step of the way.

05/20/2026

Smart buyers are focusing on strategy — not just the interest rate!

Mortgage rates continue to fluctuate as the market reacts to inflation data, Federal Reserve policy expectations, Treasury yields, and global economic uncertainty.

Over the past week, rates moved higher primarily because:

Treasury yields climbed to some of their highest levels this year
Inflation concerns resurfaced
Oil prices increased sharply
Bond markets reacted to ongoing global uncertainty and Fed commentary

Mortgage rates are heavily tied to the 10-year Treasury yield, and as bond yields rise, mortgage rates usually follow. Over the last several days, markets have been pricing in the possibility that rates could stay higher for longer as inflation remains stubborn in parts of the economy.

Even with recent volatility, many analysts still believe we could see opportunities for improvement later in the year if inflation cools and bond markets stabilize. However, markets rarely move in a straight line, which is why strategy matters more than trying to time rates perfectly.

One of the best tools available right now is our FREE 1-0 temporary buydown program available through 30 June.

What that means:
✅ Buy your home now
✅ Pay 1% lower interest rate during the first year
✅ Lower monthly payment during year one
✅ Opportunity to refinance later if rates improve

Example:

6.5% note rate
Buyer makes payments based on 5.5% during the first 12 months

For many buyers, this creates breathing room during the first year of homeownership while allowing them to secure the home they want today, rather than waiting on the sidelines for the “perfect” market.

The reality is this:
You can refinance at a later rate. You cannot go back and buy the house once it is gone.

If you are considering buying, refinancing, or simply want to understand your options in today’s market, reach out anytime. I am always happy to help build a strategy that fits your goals.

05/13/2026

Thinking about buying a home? Right now, qualified buyers may be eligible for a FREE 1-0 temporary buydown program.

What does that mean?

A temporary 1-0 buydown program can reduce your payment during the first year of your loan by lowering the effective rate by 1%.

Example:
🏡 $550,000 purchase price
📌 6.00% fixed note rate
✅Payments based on 5.00% for year one!

That could mean approximately $350–$400 per month in savings during the first year compared to the full note rate payment.

For many buyers, that can mean thousands saved during the first 12 months in the home.

If you want to compare payments or see whether this fits your situation, send me a message.
Limited-time program. Qualification required.

The ALKIRE TEAM at Double H Mortgage
(307) 286-9303
NMLS: 2689092
Equal Housing Opportunity

04/29/2026

Want to Ensure You Get the Best Mortgage Rate?

Mortgage rates are influenced by both factors you control and broader economic forces you don’t. Understanding both helps you time and structure your loan more effectively.

Factors You Can Control

Credit Score: A strong credit profile is one of the most reliable ways to secure a lower rate.
As a certified credit specialist, I can help you improve your score—whether it’s a quick optimization or a more comprehensive rebuild.
Down Payment: The more you put down, the lower the lender’s risk—often resulting in better pricing.
Loan Type: Programs like FHA, VA, and Conventional loans each carry different rate structures and pricing adjustments.
Loan Term: Shorter-term loans (e.g., 15-year vs. 30-year) typically offer lower rates due to reduced long-term risk.
Debt-to-Income Ratio (DTI): Lower overall debt relative to your income improves your risk profile and can positively impact your rate.
Lock Strategy / Timing: When you lock your rate matters. Market timing—even within a few days—can influence your final rate.

Factors Outside Your Control

Inflation (CPI & PCE Reports): Persistent inflation is one of the primary drivers of higher mortgage rates.
Federal Reserve Policy: While the Fed doesn’t directly set mortgage rates, its policy decisions and forward guidance heavily influence rate movement.
Bond Market Activity: Mortgage rates track closely with the 10-year Treasury yield and mortgage-backed securities (MBS). Investor demand directly impacts pricing.
Labor Market / Jobs Reports: Data like nonfarm payrolls, unemployment rate, and wage growth can move rates quickly.
A strong jobs market often pushes rates higher due to inflation concerns.
Economic Growth (GDP): Strong economic expansion can lead to higher rates, while slowing growth can bring rates down.
Global & Geopolitical Conditions: Uncertainty often drives investors into U.S. bonds (a “flight to safety”), which can lower rates.
Housing Market Trends: Supply, demand, and new construction activity can indirectly influence rate pressure.
Consumer Spending & Confidence: Strong consumer activity can signal inflationary pressure, contributing to higher rates.

Bottom Line:
You can’t control the market—but you can control how well you’re positioned within it. Optimizing your credit, structuring your loan correctly, and locking at the right time can make a meaningful difference in your long-term cost.

04/20/2026

Know someone graduating from a doctoral medical program soon?

We’re currently offering 100% financing (zero down) for qualified medical professionals transitioning from school into their first position. No Mortgage Insurance! Basically, the perks of a VA loan without having to serve.

Doctor’s Loan Program Highlights:

✅ Up to $2,000,000 with 100% financing!
✅ No mortgage insurance (MI)
✅ Available in Wholesale & Non-Delegated Correspondent channels
✅ Minimum 680 FICO
✅ DTI up to 45%–50%
✅ Manual underwriting available
✅ Residency & Fellowship eligible
✅ Student loan debt may not be required to be counted
✅ Close up to 150 days before employment start date

This is a strong option for new physicians, dentists, and other doctoral-level medical professionals who want to buy before starting work—without a down payment.

If you know someone who could benefit, feel free to connect us.

04/06/2026

Friends—here are the states we’re currently licensed in. If you know anyone looking to purchase or refinance a home, we’d truly appreciate the introduction!

We’re always happy to run numbers, provide a second opinion, or help structure the best deal possible.

Thank you for thinking of us—your referrals mean everything.

03/07/2026

Happy 307 Day!

03/02/2026

No more spam calls from unsolicited lenders!

For years, one of the most frustrating parts of the mortgage process—for both clients and mortgage professionals—was trigger leads. The moment a buyer applied for a home loan and authorized a credit pull, their information could be sold, resulting in a flood of calls, texts, and emails from competing lenders within hours.

That has officially changed.

As of March 5, 2026, the Homebuyers Privacy Protection Act is in full effect. Signed into law by Donald Trump, the new law amends the Fair Credit Reporting Act to prohibit the broad sale of mortgage trigger leads. Moving forward, lenders can only receive this information if they already have an existing relationship with the consumer or the consumer has specifically opted in.

This is a major win for homebuyers and for relationship-based mortgage professionals. It protects your privacy, reduces confusion, and keeps your loan process focused on the advisor you chose to work with.

The mortgage process should be built on trust—not spam. And now, federal law reflects that.

02/24/2026

The FACTS: Why Buying a Home Now Beats Waiting for Lower Interest Rates

Step 1: Appreciation impact (Cheyenne at 5%)
Home today: $500,000
Home value in 1 year: $525,000
Equity lost by waiting: $25,000

Step 2: Monthly payment comparison
Buy now at 5.75% on $500,000
Monthly payment: $2,917
Wait at 4.75% on $525,000
Monthly payment: $2,739
Monthly savings waiting: $178/month
Annual savings: $2,136/year

Step 3: First-year interest comparison
Buy now at 5.75% on $500,000
First-year interest paid: ~$28,500
Wait at 4.75% on $525,000
First-year interest paid: ~$24,700
Interest saved by waiting: $3,800

Step 4: Net financial outcome
Factor Buy Now Wait 1 Year
Purchase price $500,000 $525,000
Equity gained/lost +$25,000 $0
Interest saved $0 +$3,800
Monthly payment $2,917 $2,739
Monthly savings waiting $0 $178

Net financial outcome +$21,200 advantage buying now

Key takeaway:
Even with a full 1% rate drop (5.75% → 4.75%), waiting still costs you!
$25,000 in appreciation lost
minus
$3,800 interest savings
Net loss from waiting: $21,200

Buy now and refinance in one year!