David Massey, NMLS # 1029444

02/06/2026

https://mortgageratesupdate.com/david-massey/6986398afb556ce595f7c3f4?s=em

With the announcement that Trump nominated Kevin Warsh to be the new Fed Chair, there's a lot of misinformation and speculation making the rounds regarding the potential impact on mortgage rates. Let's clear it up.

01/09/2026

A nice step forward today on the journey to lower interest rates 📉👍

A shocking announcement by the President sent mortgage rates to 3 year lows this week.

09/05/2025

Lower mortgage rates today following the jobs report. A welcome shift for buyers and homeowners keeping an eye on affordability.

A sharply weaker jobs report helped already-low mortgage rates drop at the fastest pace in more than a year.

05/29/2025

Do you know your Debt-to-Income Ratio (DTI)? It’s the percentage of your monthly income that goes toward debt payments. Lenders typically look for a DTI around 40-45%. Is your ratio ready for mortgage approval?

Want To Know More About DTI? Reach out and we can help answer any questions!

05/23/2025

FHA loans are a popular option—especially for first-time homebuyers—but like any loan, they come with tradeoffs. An FHA loan might be perfect for your path to homeownership—but it’s not one-size-fits-all.

Want help figuring out your best option? We're just a message away!

05/21/2025

Wondering what’s happening in the housing market right now? Here’s a quick snapshot of what buyers and homeowners need to know this May.

Mortgage rates are holding steady around 6.7%, with a possible dip later this year.

Home prices are up 2.1% year-over-year, but inventory is rising, giving buyers more options.

Buyers have more negotiation power, with many homes selling below asking in key markets.

FHA & VA loans are trending as buyers look for lower down payment options.

Thinking about buying or refinancing? Let's chat!

05/19/2025

“Homeownership is the cornerstone of a strong family and community.” – President Jimmy Carter

We know that owning a home goes beyond the walls and roof. It’s about creating a foundation for your family, contributing to the growth of neighborhoods, and strengthening the fabric of your community.

When you invest in a home, you’re not just investing in yourself—you’re helping to build a stronger, more connected future for everyone around you

05/15/2025

Need a second opinion on your mortgage offer?

Our Second Look Program is designed to provide prospective homebuyers with a no-commitment review of their current mortgage offers. This service aims to ensure that you are receiving the best possible rates and have explored all available options before finalizing your mortgage decisions. By obtaining a second opinion through this program, you may potentially save thousands of dollars over the life of your loan.

05/13/2025

An inspection is a crucial step in the home-buying process! It provides a detailed analysis of a property’s structural condition, helping buyers make informed decisions. Always know what you’re investing in before closing the deal!

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04/07/2025

Is a conventional mortgage right for you?

When it comes to buying a home, a conventional mortgage is one of the most common options. But what does it actually mean?

A conventional mortgage is a loan that isn’t insured or guaranteed by the government (like FHA or VA loans). It typically requires a higher credit score and larger down payment but offers more flexibility and lower fees in return.

04/05/2025

Thinking of upgrading your home? Whether you’re boosting resale value or enhancing your living space, these top investments give you the best bang for your buck!

Pro Tip: Small changes like fresh paint, new hardware, and deep cleaning can make a BIG impact!

04/02/2025

Looking for reliable tools and guidance on your home-buying journey? We’ve got you covered with a wide range of free resources right on our website!

Here’s what you’ll find:
+ Mortgage calculators to help estimate payments
+ Educational blogs on everything from down payments to closing costs
+ Step-by-step guides to make your path to homeownership smooth

Ready to get started? Visit our website today and explore all these helpful tools and more!