Clint Carver Mortgage Loan Officer NMLS #826251

07/11/2026

It’s been a rough week for mortgage rates, which are reeling thanks to new aggressions in the Middle East.

The ceasefire that began on June 17th is apparently no more, with major strikes exchanged between the U.S. and Iran over the past couple days.

That’s putting renewed pressure on oil prices, bond yields, and of course mortgage rates.

But despite all that, the odds of the 30-year fixed rising significantly higher from here remains pretty low.

04/17/2026

01/15/2026

Never just let your parents give you their house. This video explains how proper "estate planning" can help you save on taxes and avoid the lengthy "probate ...

12/31/2025

Curious how much home you can qualify for with a $70,000 annual income? This video breaks down the income calculation and offers home buying tips for first t...

12/18/2025

New 2026 mortgage rate prediction just dropped:

"The yearly cost of a typical new mortgage increased by $15,000 under Democrat rule. In 11 months, we've already gotten that annual cost down by $3,000 and it's coming down A LOT LOWER."

"Wait until you see, the numbers are going to be shocking, and I'll soon announce our next chairman of the Federal Reserve, someone who believes in lower interest rates by a lot, and mortgage payments will be coming down even further early in the new year, and you will see this in the new year."

Guess who this quote is from?

10/03/2025

This is our first government shutdown since 2019.

With regard to mortgage rates, they tend to fall during shutdowns as bond yields drop.

On average, 10-year bond yields fall about 60 bps, per an analysis by Morgan Stanley.

If yields do happen to fall by that amount, it would put the 30-year fixed at around 5.75%.

But it depends how severe the shutdown is and how long it persists. And also what else happens in the wider economy during that time.

There are certainly other downward forces at play at the moment, including what appears to be a cracking labor market.

So it wouldn't be shocking to see mortgage rates dip into the 5s this year if this continues.

08/30/2025

As many of you know my Dad is a Realtor and he just listed a great home in a great area. Check it out! If you want to know what a payment would be or need help getting pre approved I am happy to help.

https://www.utahrealestate.com/3534-S-WREN-ST-Syracuse-UT-84075/2108467

https://branches.guildmortgage.com/ut/clearfield/clint-carver-463-hpclc.html

08/27/2025

While mortgage rates are currently the lowest they’ve been all year, additional improvement might be hard to come by soon.

In case you missed it, the 30-year fixed mortgage rate fell to 6.52%, per Mortgage News Daily, its best reading since early October 2024.

Long story short, the economy is worse than we all thought and labor is at risk of falling more.

The Fed will likely cut rates at its next meeting in September, all good news for mortgage rates.

How will mortgage rates keep falling? The Fed move is always baked in ahead of time, and between now and meeting in September, there's a lot of economic data in the pipeline.

07/04/2025

A huge thanks to those have who have served or are serving in our military! Happy 4th!