Cinch Home Loans

Cinch Home Loans Is your loan a cinch? Then don't overpay! Cinch Home Loans, NMLS 399255 NMLS 399255. Utah DRE 7915137, 8906775. California BRE 01952492. Idaho MLB-8429.

The Cinch Home Loans team provides quick, accurate, and reliable service to current and future homeowners in California, Idaho, Colorado and Utah. Specifically, we specialize in providing affordable mortgage origination service for customers of owner-occupied properties with good credit. Unlike big banks, which have built-in margins and back-end profits employed in their mortgage services, our tea

m at Cinch Home Loans is a brokerage that uses wholesale lenders and interest rates, meaning there are no hidden fees.

05/11/2026

Last week, we talked about mortgage rates sitting at their highest levels in over a month.

And Monday pushed them even higher! So I was preparing all week for another round of stings.

But then Wednesday happened.

News broke that the U.S. and Iran might be close to a one-page agreement to end the war.

And yes…apparently global peace comes in pamphlet form now..?

But markets loved it.

Remember, War pushed oil prices up.�Higher oil prices can create more inflation.�Inflation pushes mortgage rates higher.

So when traders heard “possible end to the war”…�rates immediately improved.

In fact, Wednesday alone erased almost the entire week’s damage.

And then Friday’s jobs report came in hotter than expected…�which normally would’ve stung rates badly.

But right now?�The bond market barely cares about jobs reports.�It’s still watching war headlines and oil prices.

It’s a great time to get a rate locked in for your new home purchase or money-saving refi.

05/04/2026

The truth hurts... literally. 🐝 📉

Mortgage rates pushed higher against his week, and you know what that means: no honey for this guy. Between oil prices and war, the mortgage rates are feeling the sting, so I am too.

04/20/2026

🍯🐴 Honey again…and I’m starting to like this weekly series again

Rates dipped back down this week — not because of the usual Fed drama or economic data… but because of progress overseas.

Which means:
No stings.
No swelling.
Just me and my horse casually celebrating another great week

But here’s the catch 👇
This market isn’t being driven by data reports right now… it’s being driven by war headlines.

So next week?
Could be more honey… or it might be back to stings..

If you’re watching rates and wondering “is now the time?” — you’re not alone.
This is one of those moments where things can shift fast.

Reach out now to discuss your plan.

04/13/2026

March felt like a full month of getting stung 🐝
April? A little more… honey 🍯

Mortgage rates continued to take a breather this week after a rough March.

The driver right now continues to be global tension—especially the situation with Iran pushing oil prices and government spending higher.

So when ceasefire news hit on Tuesday, markets reacted exactly how you’d expect… rates improved.

But just as quickly, that optimism got tested—and rates gave some of it back.

Net result?

A much calmer week.

And even slightly better than where we started.

I’ll take that as a win.

(Also… feeding honey to a horse at the end of this video might be my new favorite closing move 😂)

03/30/2026

took a literal sting so you don’t have to feel the market sting alone. 🐝📉

Mortgage rates worsened again this week, and the reasons remain the same:

Geopolitical Tensions: The conflict in Iran is driving up oil prices. 🛢️

Inflationary Pressure: Government costs during wartime are putting weight on the economy. 💸

The Silver Lining? We aren’t seeing the same aggressive spikes as earlier this month. We might be hitting the ceiling. 🏠🙌

Are you waiting for rates to drop, or are you jumping in now? Let’s talk in the comments! 👇

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11576 S State Street # 101 A
Draper, UT

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Tuesday 8am - 5pm
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Friday 8am - 5pm
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