Bryan Reed, Mortgage Lender NMLS #220817

06/08/2026

🚨 BIG NEWS FOR CHICAGO HOMEBUYERS! 🚨

The new Chicago Homegrown Program is here and eligible buyers may receive up to $70,000 in down payment and closing cost assistance! 🏡🔥

This could be the opportunity you’ve been waiting for to stop renting and start building wealth through homeownership.

✅ Up to $70,000 available
✅ Down payment assistance
✅ Closing cost assistance
✅ Designed to help Chicago residents achieve homeownership

Funds are limited and program guidelines apply. If you’ve been thinking about buying a home in Chicago, now is the time to see if you qualify!

06/08/2026

Let’s throw some bags for a great cause! 🙌

Referral Partners 365 is proud to host this year’s Bags & Brews Tournament in partnership with Fox River Jeep Club — supporting Wheelers for the Wounded 🇺🇸

📍 McHenry Moose Lodge #691
📅 June 14, 2026
⏰ 11AM Shotgun Start (10AM check-in)
💥 $65/team
💥 Double elimination | Best of 3
💥 Cash payouts to Top 5 teams

🎉 PLUS:
🍔 Food trucks
🚙 Jeep show
🎧 DJ Buddy James
🎟 Raffles & 50/50
🍻 Bar opens at 10AM

🔗 Register now: https://share.scoreholio.com/TtENYX6xc2b

👉 Grab a partner, lock in your team, and let’s make a difference!

06/08/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗝𝘂𝗻𝗲 𝟴, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Rates moved higher last week, with the biggest moves coming on Friday in reaction to much stronger than expected jobs data. The jobs report smashed expectations, with more than twice as many new jobs created as forecast. The strong labor market makes it even more likely that the Fed will raise its policy rate this year to fight inflation.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
After last week's early headlines that Iran could be pulling out of peace talks proved to be inaccurate, there was still no meaningful progress toward a deal. Rates will continue to move alongside oil prices, as well as be affected this week by both consumer and wholesale inflation reports and continued headlines coming out of the Middle East.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
• The Middle East: Despite talks dragging on, mortgage rates are still likely to move along with headlines about any progress toward a deal that could reopen the Strait of Hormuz to commercial shipping traffic.
• Economic data: Inflation is bad for rates, pushing them higher, and we could see rates react to both consumer and wholesale inflation data this week if they show inflation continues to increase.

06/06/2026

06/05/2026

What your bank hopes you never learn 👀

Making extra payments on your mortgage can potentially save you a LOT of money.

Here’s why:

👉 Every extra dollar you pay toward the principal lowers the amount you owe.

That means:
✅ Less interest paid over time
✅ More equity in your home
✅ A faster path to owning your house outright

A few things to remember:

👉 The sooner you make extra payments, the more they help.

👉 Small extra payments add up. You don’t have to wait until you can make a huge one.

👉 Ask your loan servicer to apply extra money to principal only.

Even one extra payment each year can make a big difference over the life of your loan.

Save this post for later and send it to someone who owns a home. 👇

06/04/2026

🏡 Ready to Make This Summer One to Remember? ☀️

Summer is all about new adventures, backyard BBQs, and making memories with the people you love. Why not make this the summer you move into a home of your own?

Whether you're dreaming of a bigger backyard, a neighborhood pool, or finally having a place to call your own, now is a great time to start the homebuying journey.

🌻 Get pre-approved
🌻 Know your budget
🌻 Shop with confidence
🌻 Move in before summer slips away

Your dream home might be closer than you think. Let's make this your season of new beginnings! 🏡☀️

06/01/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗝𝘂𝗻𝗲 𝟭, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗹𝗼𝘄𝗲𝗿 👍
Rates fell for a second straight week, although the improvement was modest as peace talks with Iran continued to drag on without a final resolution. All other factors continued to take a back seat, with mortgage rates reacting almost solely to events in the Middle East.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
Rates will continue reacting to headlines about a potential peace deal with Iran, and that news was already volatile this morning. Unconfirmed reports that Iran may walk away from negotiations and fully block the Strait of Hormuz pushed mortgage rates higher to start the week. With markets closely tracking developments in the Middle East, rates will likely remain difficult to predict this week.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
• The Middle East: Mortgage rates will continue to react to headlines about peace deal negotiations. When oil prices fall, rates tend to improve. When oil prices rise, rates tend to move higher. Expect some day-to-day volatility, and even changes during the day, as markets respond to new developments.
• Economic data: Although this is a big week for labor market data, it is unlikely the data will have as much impact on mortgage rates as usual.

05/29/2026

Despite the rise of digital marketing, direct mail remains a powerful tool for reaching audiences in a personal and tangible way. When integrated with other strategies, it can significantly boost engagement and conversion rates, proving it's far from dead but indeed evolving.

05/29/2026

If you’re buying a home this year, this might be the most important reminder you hear.

A lot of buyers get stuck chasing the “perfect” rate, the “perfect” time, or the “perfect” way to do it.

But the market doesn’t reward perfect. It rewards prepared.

Here’s what we coach buyers to focus on instead:
> Your real monthly comfort number (not your max approval)
> Your timeline (lease, school year, job changes, childcare, family plans)
> Your options (so you’re not making a life decision with “hope” and a calculator)

The goal isn’t to win the internet argument about rates.
The goal is to buy a home and still sleep at night.

If you’re thinking about buying in the next 3 to 6 months, comment “PLAN” and we’ll share the checklist we use to build a payment strategy before you ever tour house #1.

05/27/2026

When you’re self-employed...

The income you show on your taxes matters, not just what you make in real life.

Writing everything off can lower your tax bill…
…but it can also limit your buying power when it’s time to get a mortgage.

This is why planning before you’re house hunting makes such a difference.
If you’re self-employed and considering buying, I'd be happy to discuss what mortgage professionals actually look at. So you can plan for it.