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

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Denver, CO
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]

11/03/2026

Last week delivered a fall treat for shopping buyers with the average 30-year fixed-rate mortgage dropping to 7.24%, according to Freddie Mac's Primary Mortgage Market Survey.

Fed Day came and went with little to no reaction from mortgage rates, but it was anything but uneventful! Behind the scenes, this meeting marked one of the most significant structural shakeups at the Fed in years. While the baseline rate itself didn't move, Fed Chair Kevin Warsh announced a coming change that breaks years of central bank tradition. Starting in 2027, the Committee will devote one meeting per year to a "strategy-only" session with no interest rate vote or policy statement of any kind, and expanding that to two strategy sessions in 2028. This is a massive departure from how the central bank has operated for decades and introduces longer stretches of time where rates can't be adjusted at a standard meeting. Traders shrugged off the news and went back to taking cues from tech stocks, which slid to their lowest levels since July, resulting in the lowest mortgage rates in more than a month. With fall nearly halfway through already and a new month just getting underway, we'll have October's jobs report on Friday, and the latest inflation reading next week, along with all the other new-month data.

If you have been waiting for things to cool down so you can take advantage of those incredible fall opportunities, that window is open now, but with heavy-hitting data on deck, it may not be for long! Call us if we get you pre-approved and ready to make that offer!

10/13/2026

Another steep climb brought the average 30-year fixed rate mortgage up to 7.4% last week, according to Freddie Mac's Primary Mortgage Market Survey. But could it be time for a breather?

Before market close on Friday ahead of the 3-day weekend for Columbus and Indigenous Peoples' Day, mortgage rates dropped to their lowest in two weeks. While you can never read too much into a pre-holiday trading day, we witnessed small indications every day of last week that we may be rounding the top of the hill — if only to take a break from the relentless upward march of the past month. With yields recently pushing up to multi-decade highs, there's definitely been an uptick in longer-term bond buying, which could be investors simply concluding that 10-Year yields around 5.3% represent a good buy. It is important to keep in mind that we may not have reached the summit just yet and factors such as the war's impact on inflation and treasury issuance, elevated corporate bond issuance, a robust economy and labor force, and a Federal Reserve that's finally putting its foot down on inflation, are all things that could drive rates higher still. We know a rally and correction is coming at some point, and tomorrow's CPI data has the power to add to the positive momentum, or cause a reversal and push back toward or above recent highs.

For up-to-the-minute updates on market movement, don't hesitate to give us a call. We are never too busy for your questions and lending needs!

**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.**

10/11/2026

Brianna Collette, NMLS 2013393
OHn Home Loans LLC, NMLS 1913094
7887 E Belleview Ave, Suite 175, Englewood, CO 80111
A Licensed Colorado Mortgage Broker.
An Equal Housing Lender.

Njoud Hogue, REALTOR
Equity Colorado Real Estate
Phone: (303) 264-7612
CO License

Disclaimer: This is an advertisement for consumer credit. Financing terms, down payment assistance programs, and credit requirements are subject to underwriting guidelines, credit approval, and program availability. The $1,000 saving requirement is a benchmark indicator for initial program entry; actual down payment, closing costs, and cash-to-close requirements will vary based on individual financial profiles, loan programs, and transaction terms. Not all applicants will qualify.

10/05/2026

Jumping up a full 0.25% to an average 7.28% for a 30-year fixed-rate mortgage, according to the Primary Mortgage Market Survey conducted by Freddie Mac, this most recent spike in rates added $85 to the median homebuyer's monthly payment in a single week.

Fewer new jobs created and an increase to the unemployment rate last month. An 8-point drop in consumer confidence. PCE coming in much cooler than expected. Yet mortgage rates continue to move higher? What gives? The counterintuitive trajectory has been frustrating for sure, so let's get into it and break some of this down. The short answer is that there are a lot of layers to this onion and there are broader forces driving bond selling right now. Peeling back the top layer on the jobs report, you'll see that more people entered the labor force last month and it's the participation rate that caused the unemployment rate to increase from 4.1% to 4.2%; not job losses. Had we not seen an uptick in job seekers, last week's unemployment rate would have actually been 4%. When tracking Core PCE over the past few years, the deeper layers tell a clear story there, too. From 2.7% in August of 2024, to 2.9% last August, and now 3.0% this August, core inflation has been, and continues to head in the wrong direction from the Federal Reserve's 2% target. A reading that comes in 0.3% lower than forecast, but still a full 1% higher than the goal, isn't a victory to be celebrated, and traders know more aggressive efforts will need to be put forth to get to that goal. Pile on the supply/demand equation for government debt, and the bond market is in the midst of a fairly rapid reassessment of the outlooks for Fed policy and the economy as a whole. There are no two ways about it - a meaningful drop in rates is going to require inflation falling significantly and sustainably.

Today brought another trading day with nothing but "Sell bonds" on the To-Do List for most investors. If you haven't been watching closely, the cost of waiting even just a day or two is astronomical. Need a clear and decisive path today? Give us a call!

**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.**

10/03/2026

OPEN HOUSE ALERT: 8140 S Storm King Peak in Littleton
WHEN: Saturday, October 3rd from 1PM to 3PM
PHOTO GALLERY & INFO: https://property.listreports.com/gZLb-MRa4/8140-s-storm-king-peak-littleton-co-80127?premium&v1790985277727
This could be the one. It's probably the one! You should come see it to make sure. I will be there with Crystal Adams from Equity Colorado Real Estate, and we can't wait to show it to you! Tell your friends, family, your co-worker who's been looking for months! For questions about this home or to to schedule your private showing, call Crystal at (646) 352-2111. Need to know what your monthly payment would be? Call or text me!

09/21/2026

According to Freddie Mac, last week's Primary Mortgage Market Survey returned a 6.95% average across the U.S. for a 30-year fixed-rate mortgage. A year ago, the 30-year FRM averaged 6.26%, but inflation was quite a bit cooler then, too.

Bonds and mortgage rates took a deep breath today and started off the week in better shape than where they ended up at the end of last week. The average lender remains right in line with the rates they offered before last Wednesday's Fed rate hike. In the absence of market volatility, today felt like a slow, quiet exhale. A Federal Reserve that's committed to fighting inflation is ultimately a good thing for interest rates in the longer run. There's no guarantee where we'll go from here, but common themes remain important—the biggest of those being consequential economic data and war developments relating to oil prices. The price per barrel is now under $93 after surging to $106 last Tuesday. Multiple Fed officials are speaking this week, but we're not sure what they could say that would tell us any more than last week's announcement or dot plot, and with none of that big-ticket data on deck, the market just might be able to feel out a new trading range.

As the summer heat finally breaks, the air feels just a bit crisper today—and not just outside. As we head into the fall months, remember that this season tends to give buyers a tremendous amount of increased leverage and an opportunity to negotiate seller concessions for rate buydowns!

**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.**

09/19/2026

OPEN HOUSE ALERT: 15031 E Gunnison Place in Aurora
WHEN: Today! Saturday, September 19th from 1PM to 3PM
PHOTO GALLERY & INFO: https://property.listreports.com/zH6JZpPOD6/15031-east-gunnison-place-aurora-co-80012?premium&v1789833973378
Come check out this lovely home today and enjoy FREE DONUTS! I will be there with my amazing real estate agent, and we would love to show you around. Know someone that this one would be perfect for? Send them our way! For questions about this home or to to schedule your private showing, give Katelynn Tran with Equity Colorado a call at (303) 931-9189 a call!

09/18/2026

This young lady is unstoppable! She had a goal, went for it, crushed it, and got the keys to her very 1st home today! Congratulations, Miss Homeowner!!! Thank you for allowing me a front row seat to your plans! ❤️

09/17/2026

The Federal Reserve wrapped up its policy meeting today, and as expected, they raised the benchmark interest rate by 25 basis points. This is the first hike since July 2023, and it's been a minute, so let's review. The rate that the Fed increased today is the interest rate that banks charge each other when borrowing money overnight. Not the interest rates for credit cards, auto loans, or mortgages, but those all feel the trickle down effects. Expect to see a brief "volatility tax" over the next 48 to 72 hours. Mortgage rates will likely remain elevated and choppy as the bond market fully digests the Fed's hawkish roadmap for the coming year. While a single hike was widely anticipated, the real news was the Fed's dot plot projections, which indicated one additional rate hike by December and keeping rates unchanged through the entirety of 2027.

Last week's official average rate for a 30-year fixed-rate mortgage was 6.76% according to Freddie Mac's Primary Mortgage Market Survey, but in the immediate wake of today's announcement, par rates (zero points paid) for best-case scenarios reached 7.24%. While there's no disputing today was a no good, very bad day, this rate hike is actually the best shot that mortgage rates have at moving lower in the long run, demonstrating to the market that the Fed is serious about dealing with inflation. It does mean that we are making the prices of everything higher in order to make the prices of everything lower, and this process behaves like turning a massive container ship rather than stomping on the brake pedal of your Mazda Miata, but I think we can all agree it's time to get this done.

If you're feeling hesitant or need us to model a specific scenario to show how we navigate these higher rates, call me!

**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!**

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!**

Address

7887 E Belleview Avenue, Suite 175
Denver, CO
80111

Website

http://www.ohnhomeloans.com/

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