Gary Risler NMLS #490654

08/20/2026

Tom Dilsheimer & Gary Risler talking tips for preparing to make a home purchase.

08/20/2026

Tommy D and Ris talking tips for potential homebuyers in preparation of purchasing a home

08/19/2026

08/14/2026

Glad to be able to to enjoy these beautiful days!

07/17/2026

Happy Friday!

Home affordability is still an issue. Builders say contributing factors are::
* rising material costs
* high land costs
* high mortgage rates

Higher mortgage rates have pushed buyers to that side lines. I understand the psychology for this line of reasoning. Reality is that buyer now builds equity and allows for a tax savings that many times isn't considered.

July rate hike should be off the table with big June inflation miss
What's Happening: The Consumer Price Index (CPI) posted a 0.4% seasonally adjusted decline, the largest one-month drop since April 2020, while 12-month headline CPI was 3.5%.

Why this matters: Because the Federal Reserve has emphasized month-to-month inflation, the new print reduces the odds of a July hike despite oil-related headline noise. While the 12-month inflation data is still above the Fed's 2% target level, Chair Kevin Warsh told Congress that “if we get policy right — and we will — the inflation surge of the last five years will be a thing of the past.”
***reminder the Prime Rate doesn't necessarily move the mortgage rates down or up. It will affect consumer loan rates.

Be kind!

Peace,

Gary

07/14/2026

Can mortgage rates survive hawkish Fed talk during inflation week?
What's happening: Despite falling oil prices, Federal Reserve messaging remains focused on monthly core inflation, with the key threshold at 0.2%. A higher 10-year Treasury yield is keeping mortgage rates vulnerable during inflation week.

Why this matters: June inflation data will be released Tuesday, and the continuation of the Iran conflict has complicated how the 10-year yield and mortgage rates may react to inflation figures. Even though oil prices have fallen sharply, many Fed hawks haven’t said anything positive about that change.

06/26/2026

Happy Friday!

Why mortgage rates haven’t followed oil prices by moving lower

What's happening: Oil prices fell from $111 to $73 per barrel, yet mortgage rates remain near yearly highs as the 10-year Treasury is near 4.48%.

While mortgage-backed securities and treasury bonds have the most immediate impact on rates the outlook for mortgage rates is also driven by Federal Reserve policy, firm labor data and hot core inflation, with markets now debating 2026 rate hikes instead of cuts.

On another front the Trump abruptly delays signing of 21st Century ROAD to Housing Act.

What's happening: President Donald Trump on Wednesday abruptly canceled a planned signing ceremony for a bipartisan housing bill, saying he would withhold action on the measure until Congress passes the SAVE America Act, a sweeping election bill that has become a centerpiece of his second-term agenda.

Why this matters: Trump was scheduled to sign the bill on Wednesday afternoon, less than 24 hours after the bill passed the House of Representatives after clearing the Senate. While its future is unclear, the Community Home Lenders of America (CHLA) said it is “confident” the legislation will soon become law. Democratic lawmakers urged the president to sign it and indicated they would work to override a potential veto. Seems like the housing industry, home buyers and home sellers are being held hostage (this is not a political statement).

Be kind!

Peace,

G

03/10/2026

I guess I’m chopped liver…..