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Monday 8am - 8pm Tuesday 8am - 8pm Wednesday 8am - 8pm Thursday 8am - 8pm Friday 8am - 8pm Saturday 10am - 6pm Sunday 10am - 6pm

http://www.teampaynemortgage.com/

Team Payne, Mortgage Brokers NMLS #460807/251923, Denver, CO (2026)

04/21/2025

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗔𝗽𝗿𝗶𝗹 𝟮𝟭, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝗱 👍
Mortgage rates moved lower last week, regaining some of the ground lost during the previous spike. Overall, markets were noticeably calmer and rates started strong early in the week but slipped on Thursday ahead of the long holiday weekend.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗺𝗼𝘃𝗲 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Mortgage rates are likely to remain volatile this week as markets react to ongoing tariff and trade war developments. There remains a risk that any new headlines or actions from the White House could cause rates to spike unexpectedly. Despite the volatility though, rates have not approached previous high levels of the year.

📈 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Firing the Fed: Concerns that President Trump may be seeking to remove Fed Chair Jerome Powell are shaking investor confidence in U.S. assets like stocks and bonds, adding pressure that could push mortgage rates higher.
- Tariffs and trade wars: Any news or new headlines about tariffs or the trade war with China could cause fast moves to rates, and could see rates move higher this week.
- Economic news: Economic reports this week could move mortgage rates, especially if they show signs of weakness or unexpected strength.

04/17/2025

🏠🐰👀 NO BUNNY KNOWS MORTGAGES LIKE I DO! 🤣

Whether you're looking to hop into a new home or refinance your current burrow, I've got you covered! 🐇🏡

Ready to hop on your mortgage journey? Text or call me today to hop to it! 📱🐰👍

🏠🐰👍

04/14/2025

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗔𝗽𝗿𝗶𝗹 𝟭𝟰, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Mortgage rates jumped last week as markets were thrown into turmoil over recently implemented tariffs, even ignoring better than expected inflation data. Not only did rates move drastically day-to-day, lenders often repriced through the day in response to big moves in mortgage backed securities and Treasuries.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗹𝗶𝗸𝗲𝗹𝘆 𝘁𝗼 𝗰𝗼𝗻𝘁𝗶𝗻𝘂𝗲 𝘁𝗼 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
Mortgage rates will be tough to predict this week as markets keep reacting to the latest tariff headlines and rumors. After last week’s spike, there’s a chance we see some improvement, but it’s far from guaranteed. In times like these, it’s more important than ever to stay in touch with your mortgage pro.

📈 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Tariffs: Any talk of pausing tariffs or implementing new tariffs will likely see mortgage rates shift depending on how markets react to the news.
- The Fed: Markets will be looking for any signs from speaking Fed members that the Fed will step in to help the economy and markets.
- Treasury yields: Although the 10yr Treasury is not the basis for mortgage rates, it does affect pricing for mortgage bonds and when the 10yr Treasury yield rises, mortgage rates often follow.

04/07/2025

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗔𝗽𝗿𝗶𝗹 𝟳, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝗱 👍
Mortgage rates improved last week as stocks plummeted and market concerns about a potential recession grew. Friday's jobs data came in mixed, showing more jobs were created in March than were forecast but unemployment ticked up from 4.1 to 4.2%. Overall a great week for rates, but on Friday we saw signs that the rate rally was losing steam.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
Rates are starting the week off moving slightly higher, giving back some of last week's gains. Markets will continue to react to the most current tariff headlines, including rumors, which could cause mortgage rates to whipsaw. There is no clear direction that rates will improve or get worse this week, it will all be reactionary.

📈 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Tariffs: The tariffs announced last week were much higher than markets had anticipated, which led stocks to sell off and traders to move money to safe havens including bonds, which helped mortgage rates improve. Any talk that tariffs will be paused or reduced could push rates higher this week.
- Inflation data: The CPI inflation report this week could see mortgage rates react to better or worse inflation than expected.

04/01/2025

😆 Happy April Fools' Day!
Yes, I love sending those preapproval texts... but no documents = no deal (yet)! 📝

If you're serious about buying a home this spring, let's get serious about your paperwork too.
Shoot me a message—let’s make that preapproval official! ✅🏡

03/31/2025

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗠𝗮𝗿𝗰𝗵 𝟯𝟭, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Although mortgage rates ended the week higher overall, there was reason to celebrate on Friday as the outlook improved significantly. After steadily climbing earlier in the week, rates fell on Friday amid growing market concerns over upcoming tariffs and labor market data.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
While early signs suggest mortgage rates may improve this week, that could change quickly depending on how markets respond to tariffs and labor market data. If rates do improve, we might see some of the lowest rates of the year. However, if sentiment shifts later in the week, it could push rates back to last week's highs.

📈 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Tariffs: Markets are growing increasingly concerned that tariffs expected to be implemented this week could lead to stagflation—a scenario where inflation rises while economic growth slows. As a result, investors are moving toward safer assets like bonds, which could help improve mortgage rates.
- Jobs data: This week brings reports on unemployment, job creation, and wages. Tuesday’s JOLTS report may impact rates, but Friday’s BLS jobs data is the key event and could drive mortgage rate volatility.

03/28/2025

🤔 𝗪𝗵𝘆 𝗻𝗼𝘁 𝘄𝗮𝗶𝘁 𝗳𝗼𝗿 𝗵𝗼𝗺𝗲 𝗽𝗿𝗶𝗰𝗲𝘀 𝘁𝗼 𝗱𝗿𝗼𝗽 𝗯𝗲𝗳𝗼𝗿𝗲 𝗯𝘂𝘆𝗶𝗻𝗴 𝗮 𝗵𝗼𝗺𝗲?
Because you might just be waiting... and waiting... and waiting.

👉 Remember when everyone said home prices would crash in 2022... 2023... 2024?
Yeah, about that. Prices have actually gone up—again and again.

🚨 𝗧𝗵𝗲 𝗴𝗼𝗼𝗱 𝗻𝗲𝘄𝘀 𝗶𝘀 𝘁𝗵𝗮𝘁 𝗡𝗢𝗪 𝗶𝘀 𝘀𝘁𝗶𝗹𝗹 𝗮 𝗴𝗿𝗲𝗮𝘁 𝘁𝗶𝗺𝗲 𝘁𝗼 𝗯𝘂𝘆 𝗮 𝗵𝗼𝗺𝗲! 🚨

If you’re holding out for 5% rates and cheaper home prices, you might be holding out forever. Right now, we’ve got steady mortgage rates and improving inventory—but it won’t stay this way for long.

𝗜𝗳 𝘆𝗼𝘂'𝗱 𝗹𝗶𝗸𝗲 𝘁𝗼 𝘁𝗮𝗹𝗸 𝗮𝗯𝗼𝘂𝘁 𝗴𝗲𝘁𝘁𝗶𝗻𝗴 𝗽𝗿𝗲𝗾𝘂𝗮𝗹𝗶𝗳𝗶𝗲𝗱 𝘁𝗼 𝗽𝘂𝗿𝗰𝗵𝗮𝘀𝗲 𝗮 𝗻𝗲𝘄 𝗵𝗼𝗺𝗲 𝗼𝗿 𝗳𝗶𝗻𝗱 𝗼𝘂𝘁 𝘄𝗵𝗮𝘁 𝘆𝗼𝘂 𝗰𝗮𝗻 𝗮𝗳𝗳𝗼𝗿𝗱, 𝗳𝗲𝗲𝗹 𝗳𝗿𝗲𝗲 𝘁𝗼 𝗿𝗲𝗮𝗰𝗵 𝗼𝘂𝘁 𝘁𝗼 𝗺𝗲 𝗮𝗻𝘆𝘁𝗶𝗺𝗲. I'm here to help and happy to answer any questions. 🙂

03/24/2025

𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗠𝗮𝗿𝗰𝗵 𝟮𝟰, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗦𝗹𝗶𝗴𝗵𝘁 𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝗺𝗲𝗻𝘁 👍
Mortgage rates did improve last week, although not by much. Rates started the week off a bit worse, but improved following the Fed meeting and Fed Chair Powell's press conference. The Fed kept its policy rate unchanged, but a majority of Fed members still forecast two policy rate cuts this year. Mortgage rates were helped by the Fed's outlook that the economy could be weaker this year than previously thought. A weak economy helps keep rates low or move them lower.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗺𝗼𝘃𝗲 𝗵𝗶𝗴𝗵𝗲𝗿 👎
After improving last week, we could see mortgage rates creep higher this week as concerns ease over tariffs taking effect in April. The Fed's favored gauge of inflation, the PCE price index, comes out on Friday and could help rates end the week. It is not likely we’ll see rates improve much, if at all, this week.

𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Economic data: Fourth quarter GDP data comes out Thursday, but it's Friday's PCE price index inflation data that will have the biggest influence over mortgage rates this week.
- Tariffs: Markets are optimistic that President Trump's tariffs taking effect April 2nd will be more targeted and less of a drag on the economy.

03/17/2025

🏠 If you've been thinking about buying a home, and wondering if you can afford it, we should talk!

03/17/2025

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗠𝗮𝗿𝗰𝗵 𝟭𝟳, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘂𝗻𝗰𝗵𝗮𝗻𝗴𝗲𝗱 👍
Other than some small day-to-day movements, rates were basically unchanged last week. Despite concerns that the Trump administration's implementation of tariffs would drive inflation, there are no signs of that yet as consumer prices rose at the slowest pace in four months. Lower inflation than was forecast helped keep mortgage rates steady for the week.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
Although this week lacks significant economic data, the Fed meeting and Fed Chair Powell's press conference will take center stage. While a policy rate change is unlikely, Fed members will provide forecasts on future rate movements. The outcome of the meeting could lead to volatility in mortgage rates.

📈 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- The Fed: Markets are looking for assurances that the Fed will take action and cut its policy rate if signs of economic slowdown or labor market weakness emerge. However, if Powell and the Fed don't assure markets, we could see rates creep higher to end the week.
- Fed Chair Powell's Press Conference: Powell will hold a press conference following the Fed meeting, which often leads to market volatility and potential rate fluctuations.

03/10/2025

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗠𝗮𝗿𝗰𝗵 𝟭𝟬, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘂𝗻𝗰𝗵𝗮𝗻𝗴𝗲𝗱👍
Although mortgage rates didn't improve for an eighth week in a row, they did hold steady. Friday's jobs data showed some weakness in the labor market, helping rates open a bit better, but comments from Fed Chair Jerome Powell later in the day that the economy was in a good place and the Fed was "well positioned to wait for greater clarity," caused rates to end the week unchanged.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗶𝗺𝗽𝗿𝗼𝘃𝗲 𝗳𝘂𝗿𝘁𝗵𝗲𝗿 👍
This week begins with market concerns about a potential economic and labor market slowdown, with some even mentioning the word "recession." However, it is still too early to determine if that will happen. Inflation data, along with other economic and labor market reports, will influence interest rates in the coming days.

📈 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Jobs data: The Job Openings and Labor Turnover Survey will be released this week, and if the data points to a weakening labor market, it could help rates improve.
- Inflation data: The consumer price index report will come out on Wednesday, and wholesale inflation data will come out on Thursday. Falling inflation could help rates improve, but higher inflation could push rates higher for a few days.

03/03/2025

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗠𝗮𝗿𝗰𝗵 𝟯, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝗯𝗲𝘁𝘁𝗲𝗿 👍
Mortgage rates once again moved lower last week, and similar to previous weeks the moves weren't large but were consistent. A string of recent data showing economic activity is slowing and consumer spending is falling has helped mortgage rates fall to the best levels of the year, although still much higher than last September.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗶𝗺𝗽𝗿𝗼𝘃𝗲 𝗳𝘂𝗿𝘁𝗵𝗲𝗿 👍
This week brings a few economic reports, but more importantly, it will bring January's jobs data. Signs of labor market weakening, on top of the economic weakness we've seen recently, could help mortgage rates continue lower. If rates do move lower, it will likely continue at a slow and steady pace, as we've seen in the past few weeks.

📈 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
-Jobs data: Multiple reports this week about jobs and unemployment, although the Job Openings and Labor Turnover Survey will not be released until next week. Friday's BLS jobs data will have the biggest effect on mortgage rates to end the week.
-Market momentum: Markets have grown less optimistic about the economy, and concerns are rising that tariffs taking effect this week will bring about retaliatory actions from other countries.

Team Payne, Mortgage Brokers NMLS #460807/251923

04/21/2025

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