Brianna Collette, NMLS# 2013393 - OHn Home Loans, LLC

Brianna Collette, NMLS# 2013393 - OHn Home Loans, LLC Passionate about making your dreams of homeownership come true! OHn Home Loans, LLC is a Colorado Registered Mortgage Company. Equal Housing Lender.

NMLS ID # 1913094 | (720) 500-4858 | [email protected]

Staying almost completely flat for the month of August, rates averaged 6.66% for 30-year fixed-rate mortgages last week,...
09/01/2026

Staying almost completely flat for the month of August, rates averaged 6.66% for 30-year fixed-rate mortgages last week, according to Freddie Mac's Primary Mortgage Market Survey.

Today, as month-end trading took its toll, mortgage rates reached their highest in over a year, but just barely. Bonds lost ground today, but not because of economic data, inflation, or news headlines. Mortgage rates were already fairly close to longer-term highs last week. Today's increase was just enough to nudge the average top-tier 30-year fixed-rate to its highest since June of 2025. That sounds pretty gloomy, but in actuality, there have been several days that have ended just a tick or two below today's levels over the past month. Rates took off on this most recent march north last week following the speech given by Fed Chair Warsh at the Jackson Hole Symposium. Focusing on inflation that's remained too high for far too long, the market reacted immediately to fears that the Fed will take action to combat high prices as soon as the next FOMC meeting. Since fuel prices continue dictating most of the day-to-day momentum, a good day for oil here and there has and is likely to bring a decent drop to rates. That trend is what's kept the weekly average for rates fairly level. One caveat this week is the big jobs report coming out the Friday before the 3-day Labor Day weekend, which could bring a bit more volatility than usual.

We're here for it! And always here for you when you need us! Don't hesitate to give us a call. Do enjoy your Labor Day weekend!

**Interest rates derived from Freddie Mac's Primary Mortgage Market Survey represent average interest rates across the US and do not represent the interest rates of OHn Home Loans LLC unless stated otherwise. Thank you!**

According to the Freddie Mac Primary Mortgage Market Survey, rates locked on 30-year fixed-rate mortgages eased slightly...
08/18/2026

According to the Freddie Mac Primary Mortgage Market Survey, rates locked on 30-year fixed-rate mortgages eased slightly to an average 6.67% last week.

Ending the week at their lowest in nearly a month, mortgage rates dropped noticeably on a combination of lower oil prices and a lower inflation reading for July via the Consumer and Producer Price indices (CPI and PPI). Last Friday's Retail Sales report was also considerably weaker than expected, proving that the U.S. consumer is softening, but it failed to inspire any major rallies. Combined with the shockingly weak jobs report from the week prior, the release of July's cooler data has successfully lowered expectations for Fed rate hikes, but it's just simply going to take more than data to generate trading momentum that results in significantly lower mortgage rates. Starting out this week, we're in familiar territory -- escalations in the U.S./Iran tensions are pushing fuel prices and bond yields higher. With little on the economic calendar dropping this week, we can expect similar trading motivations to prevail. Wednesday will deliver one big wild card with the release of the FOMC Meeting Minutes, however. Every word in those notes will be picked apart by market participants hunting for the smallest clues into the Fed's next move, which could spark some mid-week volatility.

Always feel free to call if you would like to have a more in depth conversation about rate movement. We love hearing from you and hope you have a great week!

**Interest rates derived from Freddie Mac's Primary Mortgage Market Survey represent average interest rates across the US and do not represent the interest rates of OHn Home Loans LLC unless stated otherwise. Thank you!**

Hitting a new 2026 high, the 30-year fixed-rate mortgage averaged 6.69% last week, surpassing the Freddie Mac Primary Mo...
08/10/2026

Hitting a new 2026 high, the 30-year fixed-rate mortgage averaged 6.69% last week, surpassing the Freddie Mac Primary Mortgage Market Survey average of 6.63% from this time last year.

Bonds saw decent gains on Tuesday and Wednesday of last week as the market traded on news there may be a deal in the works that would restore passage in the Strait of Hormuz. When those talks fizzled, so did the lower interest rates. Then Friday brought the release of the monthly employment report showing the labor market lost 23,000 jobs in July, but that wasn't all. Revisions to May and June's numbers slashed 103K jobs from previous reports, dragging the economy's average down to just 20,000 new jobs added per month for the past three months. Mortgage rates responded by dropping to their best levels in nearly three weeks. While a weaker labor market does give the Fed a little slack in the rope for holding rates unchanged, there's still a battle against high inflation to be fought. This week's economic calendar will bring two highly consequential pieces of data via the July CPI inflation reading and Retail Sales, but as long as we are at odds with Iran, bond yields are most likely to continue to rise and fall right along with oil prices. With this week starting off with unfriendly news headlines, so do be the case for oil prices, yields, and interest rates.

But fear not, for a shifting financial sea brings a treasure trove of opportunity for the savvy! By facing fewer rivals, buyers have more breathing room to weigh their choices, chart a course, and strike a deal with much negotiating leverage. Don't hesitate to reach out if you'd like to explore strategies to get you into the home of your dreams!

**Interest rates derived from Freddie Mac's Primary Mortgage Market Survey represent average interest rates across the US and do not represent the interest rates of OHn Home Loans LLC unless stated otherwise. Thank you!**

Flirting with 52-week highs, rates locked on a 30-year fixed-rate mortgage averaged 6.66% last week, according to Freddi...
08/04/2026

Flirting with 52-week highs, rates locked on a 30-year fixed-rate mortgage averaged 6.66% last week, according to Freddie Mac's Primary Mortgage Market Survey.

Despite the Fed's decision to leave interest rates unchanged for the fifth consecutive meeting, mortgage rates had a rough week—and an even rougher Friday. Even though oil has remained well below the $100+ per barrel prices seen in the early spring, bonds have refused to cool down. Following last week's FOMC meeting, Fed Chair Kevin Warsh basically told the market that he doesn't need to hike interest rates if the market is going to do it for him. Nervous that the Fed is just kicking the can down the road and leaving inflation unchecked, bonds were quick to accommodate the request. The resulting damage left many believing we would have been better off with a rate hike. On Friday, 10-Year Treasury yields ever-so-briefly spiked to 4.74%—a high not seen since October 2023. In all fairness, that day's weakness was almost entirely driven by the Treasury Department and Japan's Ministry of Finance working together to prop up the Japanese Yen—a highly unusual catalyst for U.S. rate movement. Today was better than a poke in the eye with a fresh round of Iran war optimism pushing oil prices lower. The super flat trading day left rates in slightly better shape than last week's market close, but still longing for some shade. The brand new month brings the big jobs report this Friday. Although much more focus has been on inflation than jobs these days, a big swing will always warrant a big reaction.

If you're looking for ways to beat the heat, give us a call. With our wholesale interest rates, we can keep rates from running too hot! We'd be happy to compare pricing with you.

**Interest rates derived from Freddie Mac's Primary Mortgage Market Survey represent average interest rates across the US and do not represent the interest rates of OHn Home Loans LLC unless stated otherwise. Thank you!**

A 30-year fixed-rate mortgage averaged 6.58% last week, according to Freddie Mac's Primary Mortgage Market Survey. This ...
07/27/2026

A 30-year fixed-rate mortgage averaged 6.58% last week, according to Freddie Mac's Primary Mortgage Market Survey. This is up from 6.55% the week prior, but more than an 1/8 of a point lower than a year ago when the 30-year FRM averaged 6.74%.

While we may be breaking heat records with back-to-back triple-digit temperatures, mortgage rates are enjoying a cooler summer than the last three homebuying seasons! Mortgage bonds did have a tough week last week, resulting in the highest 30-year fixed rate in over a year. As has been and continues to be the case, rate momentum has been strongly correlated with oil & gas price momentum. With that in mind, it's no surprise to see rates moving lower amid a pause in strikes and on a day where oil prices recovered from their recent highs. This week's Fed meeting announcement brings a good amount of suspense to the rate market. The Committee is not likely to hike rates, but confirming that will be worth something to bond traders. PCE (Personal Consumption Expenditures) measures purchases of goods and services by households and is the Fed's favorite measure of inflation. The June reading won't be out until a day after the Fed concludes this session, but as we talked about last week, if the data confirms the cooler inflation trend we saw with CPI, we could see a sizeable drop in mortgage rates just before the weekend! The forecast looks as though we may see some cooler days ahead! ❄️

For questions, a deeper dive, or to review a rate scenario together, don't hesitate to reach out! We love hearing from you and always have time for your questions!

**Interest rates derived from Freddie Mac's Primary Mortgage Market Survey represent average interest rates across the US and do not represent the interest rates of OHn Home Loans LLC unless stated otherwise. Thank you!**

Matching 11-month highs, a 30-year fixed-rate mortgage averaged 6.55% last week, according to the Freddie Mac Primary Mo...
07/20/2026

Matching 11-month highs, a 30-year fixed-rate mortgage averaged 6.55% last week, according to the Freddie Mac Primary Mortgage Market Survey.

We certainly saw some promising movement last week after rates fell on unexpected and surprisingly low inflation and producer prices for the month of June. With a very light economic calendar today and all this week, the bond market was left to trade on vibes alone. Unfortunate, because said vibes came fraught with fears of higher fuel prices as the U.S. military launches the 10th straight night of strikes against Iran. News of a proposed 10-day ceasefire before the market even opened this morning caused a brief drop to yields and oil prices, but the move was reversed just 30 minutes later after the Houthis declared a naval blockade on Saudi Arabia. Many lenders raised rates mid-day today in response to further weakness in the bond market. Looking ahead to the rest of this week and next, mortgage rates will likely remain tightly tethered to geopolitical headlines with any up-tick or de-escalation in the conflict steering the trajectory in the bond market. However, the narrative will shift dramatically next week as heavy-hitting data returns to the spotlight. Market participants will be closely watching the upcoming Personal Consumption Expenditures (PCE) - the Fed's favorite measure of inflation. If next week's data confirms the cooler inflation trend we saw in June, we could see a meaningful downward correction in rates.

Join me in manifesting nothing but those good vibes as we wrap up a scorching July! And if you could use a tall iced beverage to go with some refreshers on using seller concessions to buy down interest rates, let's go!

**Interest rates derived from Freddie Mac's Primary Mortgage Market Survey represent average interest rates across the U.S. and do not represent the interest rates of OHn Home Loans LLC, unless stated otherwise. Thank you!*

Three weeks ago, rates broke through the 6.5% ceiling for the first time since early September. Since then, we've playe...
06/15/2026

Three weeks ago, rates broke through the 6.5% ceiling for the first time since early September. Since then, we've played hopscotch with that line and were back up to 6.52% last week for the average rate locked on a 30-year fixed-rate mortgage, according to Freddie Mac's Primary Mortgage Market Survey.

Over the past three months or so, mortgage rate movement has been driven primarily by developments in the Iran war. Not so much the war, itself, but rather the implications for fuel prices and inflation; something bonds care deeply about. Jobs haven't helped. Not only did May's labor report crush expectations, it revised the past two reports sharply higher as well. And it's not that we don't like people having jobs, because we do, but when more people get a job than expected, the market sees arguments in favor of a Fed rate cut disappear. Speaking of, it's Fed Week. No hike or cut is expected, but the market is eager to see whether any and what forward guidance will be given by the Fed under the new Chair. There will be a press conference that follows the Meeting and rate announcement, but the future of the quarterly dot plot is highly uncertain. Without those FOMC projections, the market will be forced to focus directly on real-time economic data; something Kevin Warsh strongly favors. Speaking of other things we'll be eagerly watching this week, mortgage rates didn't fall quite as much as one might have expected following news of a confirmed peace deal with Iran. Bond investors may be more inclined to fully buy into the deal on Friday if and when it's signed and officially official.

For now, mortgage rates are the lowest they've been in a month and we'll take it! We're here for all your questions and needs, and always look forward to your calls, texts, and emails. Hope to hear from you this week!

**Interest rates derived from Freddie Mac's Primary Mortgage Market Survey represent average interest rates across the US and do not represent the interest rates of OHn Home Loans LLC unless stated otherwise. Thank you!**

Dropping down just a hair, rates averaged 6.36% for a 30-year fixed-rate mortgage last Thursday with the release of the ...
05/18/2026

Dropping down just a hair, rates averaged 6.36% for a 30-year fixed-rate mortgage last Thursday with the release of the Freddie Mac Primary Mortgage Market Survey.

But this was all before Trump's two-day summit in China wrapped up. Expecting a breakthrough in a peace deal with Iran to come out of that meeting, bonds began tanking as soon as Trump got on the plane to head home. Since Friday, bonds have continued to react to every little deal-on/deal-off headline that's come out. There isn't much on the economic calendar this week in terms of reports that will have the power to take the market's attention away from news headlines, but Kevin Warsh will be sworn in as the new Fed Chair on Friday. What will this mean for the Federal Reserve and the potential for rate cuts? Well, Fed funds futures are currently projecting zero chance of a rate cut this year, thanks to the persistence of this war and the impact it is having -and will have- on inflation as long as it lasts. And Warsh is just 1 vote of 12 decision makers, but he comes with some big plans to reform the Fed and his arrival changes the long-game. His philosophies are heavily influenced by monetarism, emphasizing that inflation is driven by excessive government spending and money creation rather than economic growth. Warsh favors short-term rate cuts and his leadership could bring a structural shift from a central bank that manages market behavior to one that lets free-market forces determine prices.

For questions or a deeper dive, don't hesitate to reach out! We love hearing from you and are always happy to make time for your questions!

**Interest rates derived from Freddie Mac's Primary Mortgage Market Survey represent average interest rates across the US and do not represent the interest rates of OHn Home Loans LLC unless stated otherwise. Thank you!**

Last week, a 30-year fixed-rate mortgage averaged 6.30%, up from 6.23% the week before, according to Freddie Mac's Prima...
05/05/2026

Last week, a 30-year fixed-rate mortgage averaged 6.30%, up from 6.23% the week before, according to Freddie Mac's Primary Mortgage Market Survey.

The rate market ended on a calm note last Friday, with our thanks going to the slew of headlines suggesting that peace negotiations were at least being attempted by the U.S. and Iran. We knew that any major escalation or de-escalation could make the bond market look completely different come Monday morning, and that's exactly what we saw today. Right out the gates on this first trading day of a new month, headlines telling of new escalations in the Middle East sent rates to the highest they've been in more than four weeks. The dramatic reaction made it quite clear that a sweeping peace agreement with Iran could change the tone at any moment and potentially bring rates down in a big way. Although additional progress toward a resolution (or lack thereof) is the most likely source of volatility for rates this week, markets have still shown some willingness to react to the more consequential economic data, such as this Friday's jobs report. With weaker numbers expected for the month of April, the end of this week is where we might find some reprieve, if negotiations don't get it done first.

Need to be ready to make offers this weekend? Let's meet! We can talk through the process, answer all your questions, and complete the loan application, review documents, pull credit, and even run through a payment scenario so that you can walk out with some certainty and a plan!

**Interest rates derived from Freddie Mac's Primary Mortgage Market Survey represent average interest rates across the US and do not represent the interest rates of OHn Home Loans LLC unless stated otherwise. Thank you!**

04/29/2026

Rates declined last week, coming in at 6.23% for the average rate locked on a 30-year fixed-rate mortgage, according to Freddie Mac's Primary Mortgage Market Survey, but an increase to that average is expected for this week as the bond market grapples with war uncertainty extended indefinitely.

It's Fed Day, and Jerome Powell gave departing remarks at his final post-meeting Press Conference as outgoing chair, congratulating incoming chair Kevin Warsh, who has advanced to the Senate for final vote and confirmation. Powell did indicate he plans to remain on the board for as long as he feels appropriate to do so, which will be the first time that a former chair has stayed on since 1948. To no one's surprise, the Committee voted to leave the Federal Funds Rate unchanged at its current range of 3.5%-3.75% where it's been for 4 1/2 months. Feeling that current policy is mildly restrictive and just on the high end of neutral, Powell noted that the Fed is well positioned to move that range in either direction, and will do just that if and as necessary to accommodate changing economic conditions. The next two quarters will be watched very closely to see that the one-time price increases from tariffs have fallen off, as well as the impact of higher oil prices for a not-so-short period of time. When asked what action the Committee might take if oil prices are still at current levels by the next meeting, Powell affirmed the reality that --at some point-- a move would need to be made and could come as soon as that next meeting. All told, the majority of today's weakness can and should be attributed to the longer-term blockade of the Strait of Hormuz, as opposed to any action or commentary made by the Fed.

Tomorrow we'll be back to waiting on cooler inflation and a definitive resolution in the Middle East. Waiting is hard, so why don't we grab a cup of coffee? We are always happy to take time to meet to talk through strategies on how to navigate market conditions!

***Interest rates derived from Freddie Mac's Primary Mortgage Market Survey represent average interest rates across the US and do not represent the interest rates of OHn Home Loans LLC unless stated otherwise.***

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7887 E Belleview Avenue, Suite 175
Denver, CO
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