Steve Pallotto, NMLS# 226271

10/30/2026

Home prices rose in 78% of the nation’s metro markets last quarter, according to today’s NAR report. The average home price rose to around $432,900, up 1.7% year-over- year. Prices appreciated the most in the Northeast (4%) and Midwest (3.6%) regions, while the West saw a 0.6% drop. There's still ample opportunity for buyers though, with home prices declining in 21% of markets in Q3.

Need a hand navigating the shifting housing market? Let’s chat.
https://myoc.io/cdYRELyhbe/KReOZ



NMLS # 226271

10/29/2026

With the economy growing and inflation lingering, the Fed opted to hold interest rates steady at their latest meeting. Mortgage rates are expected to stay about where they are as well. A steadier rate environment gives you more control as you think about buying or refinancing.

Let’s discuss what the latest Fed moves mean for your homeownership plans.
https://myoc.io/cdYRELyhbe/39JJh



NMLS # 226271

10/28/2026

HELOC (Home Equity Line of Credit) and cash-out refi get mixed up all the time, and it's easy to see why.

Both are ways to make use of the equity you've built, they just work very differently. Knowing how they compare puts you in a better spot to decide what fits when your goals shift. No need to have it all figured out today.

Save this for when the time feels right, and reach out whenever you'd like to talk it through.

10/20/2026

If you’ve been waiting on the housing market, this news is worth a look. Pending home sales dropped 7.3% in September as many buyers held back, which could mean less competition for those ready to move. Want to get ahead of the crowd?
https://myoc.io/cdYRELyhbe/20DcF



NMLS # 226271

10/19/2026

Running more than one business, or keeping track of income that doesn't move in a straight line? Most income documentation isn't built for that. If you're an eligible business owner, a current 12-month profit and loss statement (P&L) may offer a documentation path built for that kind of complexity.

If that sounds like your business, let's talk.
https://myoc.io/cdYRELyhbe



NMLS # 226271

10/14/2026

September housing data showed mixed results, with home sales increasing 1.5% compared to August. Sales increased in the South and West, held steady in the Midwest, and declined in the Northeast. While sales decreased 2.2% year-over-year, many buyers are still entering contracts as more inventory becomes available in the market.

Want to take advantage of the shifting market? Let’s connect.
https://myoc.io/cdYRELyhbe/tQsuu



NMLS # 226271

10/12/2026

There’s more to a mortgage than this percentage. I’m here to help you understand how the different numbers, terms and costs work together to shape your financing options. Let’s talk it through.

Share this post with a friend if you’re an “interest rate insider!”
https://myoc.io/cdYRELyhbe/1MhFN



NMLS # 226271

10/06/2026

An unexpected turn? Perhaps. A home type worth exploring? Absolutely.

Sometimes, taking the road less traveled reveals new possibilities. There’s more than one path to homeownership, and different property types have different financing requirements. I can help you understand the options to bring you one step closer to “home,” whatever that may look like. Comment “trick-or-treat” if the results surprised you.

Tag a friend to keep the fun going.
https://myoc.io/cdYRELyhbe/061qK



NMLS # 226271

10/05/2026

10/02/2026

Just like you and your family, your home evolves too. When routines shift and plans for the future begin unfolding, it may be time to reevaluate your situation.

The clues don’t point every homeowner in the same direction, but I can help you understand your unique options for what comes next.
https://myoc.io/cdYRELyhbe/Y9OTQ



NMLS # 226271

09/30/2026

A home search begins with buyers understanding their financing. Pre-qualification and pre-approval both help clarify the budget and outline loan options, but they serve different purposes.

Let’s discuss what sets them apart (and which one is the most important).
https://myoc.io/cdYRELyhbe/UJQJ9



NMLS # 226271

09/01/2026

School's in session! Rate is here to help you check off your essentials before house hunting. 🏡✏️

Applicant subject to credit and underwriting approval. Restrictions apply.
Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit nmlsconsumeraccess.org. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

08/13/2026

Pattern recognition is the first step. Now it's time to break it.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6182a1zqj. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

08/06/2026

The best way to stop paying rent? Owning a home. We can help with that.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6183aEcoZ. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Applicant subject to credit and underwriting approval. Restrictions apply.

08/03/2026

Our choices shape our days, and our days shape our lives. Start living yours in the Rate App.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6188a8x04. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/25/2026

Car guy? No. House guy.

Applicant subject to credit and underwriting approval. Restrictions apply.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6181v7DIb. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/22/2026

All the tools to live a longer, happier life - all in one place

07/21/2026

Closing day: 🥳🔑🏡 Moving day: 📦😵‍💫🍕🛏️

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6180vfO4Y. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Applicant subject to credit and underwriting approval. Restrictions apply.

07/20/2026

Consider this a stress-free sample of all the Rate App app has to offer.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6187v2bBc. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/14/2026

The couch situation is between you and the doorway. The utilities do not have to be.

Rate Concierge gives you one point of contact to transfer and set up your utilities and internet at your new home, at no additional cost. Less time calling providers. Fewer moving-day surprises. One less horror story. Rate Concierge, powered by OneSource.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6189vFO99. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.