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Steve Schneider, NMLS #228607

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Chicago, IL
Steve Schneider, NMLS #228607

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Branch NMLS1806506
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Company NMLS3029

11/03/2026

The Fed just met and they decided on no rate hike and no rate cut. So, what does that mean if you're watching and hoping for lower mortgage rates?

The short answer: don't expect this to dramatically change things.

For now, they’re holding steady. But a recent survey from Reuters asked 100 economists what to expect from here – and all 100 said the Fed will do a hike in December.

Now, the Fed doesn't directly set mortgage rates, but their actions do have an impact. Rates will also move based on inflation, economic data, and how financial markets react.

The takeaway? There’s a lot at play here – and we’ll probably see a hike the next time they meet.

Follow me for straightforward updates on what’s actually happening and why it matters for the housing market.

11/03/2026

Do you know how much equity you have in your home? It might be more than you realize. If you’re curious, our home value estimator is a great place to start: http://spr.ly/6186BHXSxj

10/29/2026

Big plans? Unexpected expenses? A CCM Signature Agency Cash Access refinance can help you access up to 90% combined loan-to-value, providing more available funds than a conventional cash-out refinance. See what may be possible: http://spr.ly/6186BHjuQ8

10/27/2026

Adjustable-rate mortgages (ARMs) are making a comeback, and it's easy to see why.

In October, starting rates for ARMs were running almost a full percentage point below fixed-rate loans. On a median-priced home, that can mean your payment could be roughly $150-300 less per month.

For buyers struggling with affordability, that’s worth considering. Just know that they do come with some trade-offs – the biggest of which is that your rate (and your payment) could rise after a set timeframe.

And just in case you’re thinking…aren't ARMs risky? You should know today's ARMs aren't like the ones from 2008. But they do work differently than a fixed-rate mortgage, so it pays to understand them first.

A trusted lender can help you explore how these loans work, how they can help, and walk you through the what-ifs.

10/27/2026

Own your home and your timeline. We'll help you buy when you’re ready — even if your current home isn’t. Get the Buy Now, Sell Later basic: http://spr.ly/6184BHT6E6

10/22/2026

Your income may not look like everyone else's, and that's okay. We offer financing options designed for self-employed borrowers, independent contractors and business owners. Learn more: http://spr.ly/6188BGk3qn

10/20/2026

Hoping mortgage rates will come down soon? The latest inflation report just made that outlook a little more complicated.

Inflation climbed to 3.7% in September, higher than economists expected. And while rising gas prices were a big driver, costs increased across several other categories too.

Why does that matter for housing? Because stubborn inflation makes it harder for the Fed to justify lowering their Federal Funds Rate. It could even increase the chances of another hike.

Now, the Fed doesn't directly control mortgage rates. But inflation and Fed expectations influence them, which means there's no guarantee mortgage rates will move lower anytime soon.

If you're planning to buy or sell, don't let a hoped-for rate drop be the only thing driving your timeline.

Let's look at what today's market means for your move and build a plan around the numbers you can actually work with.

10/20/2026

Having equity means having options. Let’s explore the best way for you to access yours. Learn more: http://spr.ly/6189BG7aY1

10/15/2026

Your home can be part of your plan for what’s next. A reverse mortgage may help you access your home equity without selling or moving. Learn about your options: http://spr.ly/6189BGk3q9

10/13/2026

Why Most People Are Still Glad They Bought a Home

Don’t let today’s uncertainty make you lose sight of what homeownership can do over time. Most homeowners say they’d make the same choice again. And decades of home-price growth help explain why.
If you’re wondering whether buying makes sense for you right now, let’s look at the numbers together – and what owning a home could mean for you in the years ahead.

With everything going on, it’s understandable if you’re wondering if you’d regret buying right now.

Address

Chicago, IL
60618

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm
Saturday	9am - 5pm
Sunday	9am - 5pm

Website

https://crosscountrymortgage.com/Steve-Schneider/

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