Caleb Hayes - Mortgage Lender - NMLS 640443

02/13/2026

Nobody spoils a party quite like the BLS, which reported blowout (unbelievable?) jobs growth for January 2026. After 10 days of bond-friendly economic data, it was looking like average mortgage rates might move into the high 5% range. But the BLS jobs report quashed those hopes - for now. Still, rates remain in the low 6% range and the spring surge in listings is underway!

National news and local views for the week

02/13/2026

02/24/2025

Should anyone really be surprised by this?

The report was never given to lawmakers.

01/13/2025

01/13/2025

Worth a read...

If you bought a home after 2009, your appraisal fee almost certainly included hundreds of dollars for a middleman you've likely never heard of.

01/08/2025

Its about time this was rectified, a one time emergency does not reflect a borrowers willingness to repay. Never mind the crazy pricing and in-ability to shop pricing in the medical industry....
Should hit in 60 days!

Today, the Consumer Financial Protection Bureau (CFPB) finalized a rule to ban the inclusion of medical bills on credit reports used by lenders and prohibit lenders from using medical information in their lending decisions.