Tessie Krygier NMLS 476020

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Tessie Krygier NMLS 476020 I specialize in renovation loans, VA loans, first-time buyers, investors and more.

I’m a mortgage professional with over two decades of experience helping families, homebuyers, and Realtor partners navigate the path to homeownership with confidence.

What's your favorite part of your home?
11/02/2026

What's your favorite part of your home?

Rates hit their lowest point in more than a month this week. Here’s how we got there.Monday and Tuesday were quiet. Rate...
10/30/2026

Rates hit their lowest point in more than a month this week. Here’s how we got there.

Monday and Tuesday were quiet. Rates barely moved while everyone waited on the Fed.
Wednesday the Fed held steady, as expected, and rates barely noticed.

Thursday was the turn. Cautious tech earnings pushed investors toward the safety of bonds, and rates slid to their lowest level since late September.

Rates are still higher than most of us would like, and one good day doesn’t change the math overnight. But a calmer market is a good time to know exactly where you stand.

DM me and let’s run your numbers. 📊

Don’t house hunt blind 👀 Get pre-approved first, then shop with confidence. Your budget = your homebuying superpower 🏡  ...
10/28/2026

Don’t house hunt blind 👀 Get pre-approved first, then shop with confidence. Your budget = your homebuying superpower 🏡

Rates caught a little relief this week. Here’s what was behind it.Monday started on the wrong foot, with rates ticking h...
10/23/2026

Rates caught a little relief this week. Here’s what was behind it.

Monday started on the wrong foot, with rates ticking higher. Midweek was quiet and mostly sideways. Then Thursday brought a sharp tech selloff, and rates dropped to near one-month lows.

The driver wasn’t a big economic report. It was investors getting nervous about how much is being spent on AI, and moving money into the safety of bonds. When demand for those bonds rises, rates tend to fall.

Rates are still hard to plan around, and one good week doesn’t change that. But if you’ve been watching and waiting, this is a good time to know exactly where you stand. 📊

DM me and let’s run your numbers.

The truth is you don’t need perfect credit, 20% down, or a trust fund. You need a plan. Progress is what makes homeowner...
10/21/2026

The truth is you don’t need perfect credit, 20% down, or a trust fund. You need a plan. Progress is what makes homeownership possible 🏡 Send me a message and let’s map out your next move!

Rates caught a break this week. Here’s how it unfolded.Tuesday started quietly, with investors stepping in after recent ...
10/16/2026

Rates caught a break this week. Here’s how it unfolded.

Tuesday started quietly, with investors stepping in after recent highs.

Wednesday looked like a setback when hot inflation data sent rates higher at the open. By the close, the market had reversed and erased the damage.

Thursday brought more hot inflation data, and rates improved anyway as a tech and AI stock selloff pushed money toward bonds.
It’s too early to call this a trend. Much of the strength is tied to nerves in the tech space, and inflation is still the thing to watch.

If you’ve been waiting on the sidelines, one good week doesn’t change the bigger picture. It’s a good moment to see where you actually stand.

DM me and let’s run your numbers. 📊

You don’t need to be rich to own a home 🏡 Influencers, teachers, nurses, chefs… they’re all doing it. And you can too! S...
10/14/2026

You don’t need to be rich to own a home 🏡 Influencers, teachers, nurses, chefs… they’re all doing it. And you can too! Send me a message to set up a homebuying gameplan 💬

Mortgage rates just hit their highest level since 2023. Here's what drove it.Monday started with the 10-Year Treasury at...
10/09/2026

Mortgage rates just hit their highest level since 2023. Here's what drove it.

Monday started with the 10-Year Treasury at 5.31%, already at multiyear highs.

Tuesday brought a little breathing room. Yields slipped back a few points and stocks hit a record.

Wednesday flipped it again. Minutes from the Fed's September meeting showed the vote to hike was unanimous, and the 10-Year spiked to around 5.36%, its highest level since 2002. A strong 10-Year auction pulled yields back off the peak, but the damage was done.

Thursday added fuel. Oil jumped about 5% on fresh signs of escalation in the Middle East, and Fed Governor Waller said multiple more rate hikes may be needed to get inflation under control. Jobless claims stayed low, so the labor market isn't giving the Fed a reason to back off.

Friday finally gave markets a breather. Trump said the U.S. won't attack Iran before the midterms, oil eased a bit, and the 10-Year settled near 5.25%. Brent is still above $100.

All of that pushed the average 30-year fixed rate to 7.4% this week, up from 7.28% the week before, according to Freddie Mac.

If you're waiting for rates to drop, this week gave no sign that's coming soon. What you can control is knowing your numbers. DM me and let's run them. 📊

Don't buy a home in 2026...Unless it makes sense for you 🏠 Here's the truth: Homeownership is possible when the payment ...
10/07/2026

Don't buy a home in 2026...
Unless it makes sense for you 🏠 Here's the truth: Homeownership is possible when the payment works, the plan fits your life, and the decision is about your goals 👍 Not pressure, headlines, or FOMO 👎

If you want honesty, not sales tactics, then I'm your person. Don't hesitate to send me a message đź’¬

FHA loans are one of the most popular options for first-time buyers. Swipe through to learn the basics 🏡
10/05/2026

FHA loans are one of the most popular options for first-time buyers. Swipe through to learn the basics 🏡

Address

1400 Opus Place, Ste 830
Downers Grove, IL
60515

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