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! 👇

03/16/2026

The bees are out early this year, and unfortunately, so are the higher mortgage rates.

In this week's update, we’re breaking down why mortgage rates took a turn for the worse despite the February inflation report hitting forecasts. From the surge in oil prices to the geopolitical tensions in Iran, the market is feeling the pressure.

Here’s what we cover in today’s video:

The "Bee" Factor: Why warmer weather and market shifts are bringing out the stings.

Oil vs. Mortgages: How rising energy costs are fueling inflationary fears and keeping rates high.

The Fed’s Next Move: Why a rate cut from the Federal Reserve is looking unlikely this week.

Expert Advice: The importance of working with an educated loan officer who understands these global shifts.

The market is moving fast, and having a pro in your corner makes all the difference. Stay informed, stay educated, and let’s navigate these rates together.

Cowboy Up and stay tuned for next week’s update! 🤠

03/09/2026

For the last few weeks mortgage rates were doing something pretty rare…

They dropped to multi-year lows and actually stayed there for a while.

But markets never move in the same direction forever.

This week mortgage rates moved higher… which means the bees made an appearance in my weekly update. 🐝

The strange part is that even a shockingly weak jobs report on Friday didn’t give rates much relief.

Now all eyes turn to Wednesday’s inflation report, but rising oil prices are making the outlook a little more complicated than usual.

So the big question for next week:

Will inflation bring mortgage rates back down… or are we in for more bee stings?

Watch this week’s update below 👇

03/05/2026

Stop being your landlord’s favorite charity. 💸

Every month you pay rent, you’re basically Venmo-ing your landlord’s next vacation, their kid’s college fund, and probably that fancy espresso machine they just bought.

Meanwhile, you’re still asking permission to hang a picture frame or—dare I say —paint a wall something other than "Landlord Beige."

Buying isn't just about a roof over your head; it’s about building your wealth, not someone else’s. 🏠✨

Ready to stop funding someone else’s retirement and start building your own? Let’s chat about getting you into a home you actually own.

03/02/2026

Mortgage Rates Are at 3-Year Lows — But That’s Not the Most Important Story

The news headlines are saying mortgage rates are the lowest they’ve been in over three years.

And this time, they’re actually right.

Over the past several months, mortgage rates have steadily improved and — just as importantly — they’ve been holding near those recent lows for multiple weeks. That kind of stability is something we don’t see very often in financial markets.

Rates typically move in cycles. They rise, they fall, and they fluctuate along the way.

What makes the current environment unusual isn’t just that rates came down — it’s that they’ve stayed down long enough for people to actually act on it.

The Window That Doesn’t Stay Open Forever

Markets don’t move in one direction permanently.

At some point mortgage rates will move higher again. The only uncertainty is whether that happens gradually or with a sharper spike caused by unexpected economic or geopolitical events.

That’s why the current period matters.

We’re likely closer to the end of this opportunity window than the beginning.

There are already buyers closing on homes and homeowners completing refinances who took advantage of these lower levels. Others are just starting the process now.

The difference between those two groups often comes down to timing and preparation.

Why Stability Matters More Than Headlines

Small improvements in rates may not sound dramatic, but stability creates confidence.

When rates hold steady near their lows:

Buyers can plan with more certainty

Refinancing decisions become easier to evaluate

Financial risk feels more manageable

Opportunities become actionable

That combination is far more powerful than a single week of rate movement.

Weekly Mortgage Rate Update — Watch the Video

Below is this week’s Honey vs Bee Sting update where I break down what’s happening in mortgage rates right now and what it could mean moving forward.

02/25/2026

Is The American Dream...DEAD? 🇺🇸💪

Yes, prices are up. Yes, rates are higher. But since when was the American Dream about a handout?

It’s always been about grit, heart, and perseverance. It’s about building something lasting for your family when others are complaining about the cost.

The dream isn’t gone—it’s just being filtered for the people who actually want it.

If you’re ready to stop waiting and start planning, let’s talk. 🏠⬇️

02/16/2026

This week gave us something we don’t see very often…

Both of the biggest market-moving economic reports — jobs and inflation — landed in the same week.

And the result?

Almost no drama.

Both reports came in close to expectations, which allowed mortgage rates to hold near long-term lows without any major spikes. That stability is actually good news.

The aggressive Federal Reserve tightening cycle that drove rates sharply higher from 2022–2024 is behind us.
Now we’re in a different phase:

• Economic data is strong enough to prevent rates from falling rapidly
• But not strong enough to push rates meaningfully higher
• Which creates a window of opportunity for buyers and homeowners

Many people are still waiting for the “perfect” rate. Historically, that strategy rarely works.

The better question is:
Does the payment make sense for your life today?

If it does, this market may be more favorable than people realize.

What’s your prediction — do mortgage rates move lower from here, or stay in this range for a while? 👇

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