Tessie Krygier NMLS 476020

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.

POV: You're trying to buy a home and everyone keeps saying words and terms you've never heard before. Here are 10 of the...
08/26/2026

POV: You're trying to buy a home and everyone keeps saying words and terms you've never heard before. Here are 10 of them explained 🏡

Self-employed? Recent credit event? Swipe to see how non-QM loans open the door to homeownership 🔑
08/24/2026

Self-employed? Recent credit event? Swipe to see how non-QM loans open the door to homeownership 🔑

Rates moved in the wrong direction this week. Here's what drove it.Monday opened with markets already on edge — the Fed'...
08/21/2026

Rates moved in the wrong direction this week. Here's what drove it.

Monday opened with markets already on edge — the Fed's September meeting odds had traders pricing in a hold, and housing data was setting up to disappoint. Tuesday confirmed it: housing starts fell sharply in July, and oil held near $85 as the Iran situation dragged on with no resolution in sight.

Wednesday brought some brief relief when Treasury announced an expanded buyback program for longer-term debt. But that didn't last. The same day, the national debt crossed $40 trillion, and the Fed's meeting minutes dropped with a clear message: if inflation doesn't keep cooling, rates may need to go higher.

Thursday gave that back and then some.

The labor market is still holding, but the Fed isn't ready to ease. And oil prices mean inflation has another potential leg up.

If you're watching rates from the sideline — this week was a reminder that waiting for "perfect" has a cost. Getting pre-approved now puts you in control, regardless of where rates go next.

DM me and let's run your numbers. 📊

Coffee table books every homeowner needs 📚 The simplest way to make your space more sophisticated and lived in!
08/19/2026

Coffee table books every homeowner needs 📚 The simplest way to make your space more sophisticated and lived in!

The market spent this week getting more comfortable, not less. 📉Monday opened with everyone waiting on inflation data af...
08/14/2026

The market spent this week getting more comfortable, not less. 📉
Monday opened with everyone waiting on inflation data after a soft jobs report. Wednesday's CPI came in cooperative. Thursday's producer prices told the same story. By Friday, retail sales came in negative when growth was expected, and the conversation had fully shifted from whether the Fed hikes in September to how long they hold.
That combination, easing inflation plus a cooling consumer, is the backdrop that gives mortgage pricing room to breathe.
If you paused your search this summer because the math wasn't working, the math has quietly changed since then. Worth a look before the next round of data lands.
DM me and let's run your numbers.

Retirement isn’t just about savings accounts. Your home is one of your most powerful assets. Here are a few smart ways h...
08/12/2026

Retirement isn’t just about savings accounts. Your home is one of your most powerful assets. Here are a few smart ways homeowners use equity to build stability, create cash flow, and stay prepared with a home equity line of credit 🏡💼

This week had a little bit of everything.Pricing improved early in the week, then gave some of it back by Thursday.Frida...
08/07/2026

This week had a little bit of everything.
Pricing improved early in the week, then gave some of it back by Thursday.
Friday brought the twist: July's jobs report came in weaker than expected, and that soft labor data pulled things back in buyers' favor to close out the week.
It's a good reminder that rates don't move in a straight line. Staying ready matters more than trying to time it perfectly.
DM me and let's run your numbers. 📊

The mortgage process has its own language. Here's what it's actually saying. 👇Swipe through to decode the four phrases t...
08/05/2026

The mortgage process has its own language. Here's what it's actually saying. 👇
Swipe through to decode the four phrases that matter most between offer and keys

This week opened with some hope. Middle East tensions paused, and there was talk of positive conversations with Iran.Tha...
07/31/2026

This week opened with some hope. Middle East tensions paused, and there was talk of positive conversations with Iran.

That didn't last. By Wednesday, attacks had escalated again and oil ticked back up, right as the Fed sat down for its meeting.

The Fed held rates steady, as expected, though three officials dissented in favor of a hike. Growth cooled slightly, but jobs stayed resilient and inflation kept easing.

By Friday, consumer sentiment improved as gas prices eased, even with rate-hike odds for September climbing back above 65%.

Markets rarely move in a straight line. That's exactly why it helps to have someone watching it for you.

DM me and let's run your numbers. 📊
https://myoc.io/

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1400 Opus Place, Ste 830
Downers Grove, IL
60515

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+17083906456

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