Chris Shrader Success Mortgage Partners

Chris Shrader Success Mortgage Partners Let me assist you with all your mortgage needs...with a wide range of available loan products we can help make your home or investment dream come true!

Contact me and let me know how I can help, or apply for financing right now. www.chrisapplynow.com Christopher James Shrader NMLS ID: 1695950; Company NMLS ID: 1591 (www.nmlsconsumeraccess.org); Branch ID: 2129912; AL-70354; CO–100523747, Churchill Mortgage Corporation, 411B Johnson Ave, Fairhope, AL 36532-2121, Regulated by the Division of Real Estate; FL-LO50974; IN-57472; OH-MLO-OH.1695950 unde

r company license OH-RM.850178.000; VA-MLO-53636VA, Churchill Mortgage Corporation of TN; WA-CL-2129912; 411B Johnson Ave, Fairhope, AL 36532-2121, All Other States, Churchill Mortgage Corporation

06/08/2026

Buying a home doesn't have to feel overwhelming or dragged out for months.

With the right preparation, the right team, and the right strategy, it can move faster and smoother than most people expect.

Clarity replaces confusion.
Preparation replaces stress.
Strategy replaces guesswork.

If homeownership is on your vision board this year, don't sit on the sidelines wondering how long it will take.

The timeline might surprise you.

Comment "HOME" or send me a message and let's talk about what it would look like for you. cshrader@smprate" rel="ugc" target="_blank">https://my.successexpress.app/loan-officers/cshrader@smprate

June 8, 2026 Mortgage Market Update• 10-YEAR TREASURY ↑ — The 10-year Treasury is trading around 4.53%–4.57%, near two-w...
06/08/2026

June 8, 2026 Mortgage Market Update

• 10-YEAR TREASURY ↑ — The 10-year Treasury is trading around 4.53%–4.57%, near two-week highs. Strong May jobs data and renewed Middle East tensions are pushing yields higher and weighing on mortgage rates.

• MBS PRICING ↓ — Mortgage-backed securities are slightly weaker this morning, adding modest upward pressure to mortgage rates after Friday’s bond market selloff.

• FED & INFLATION — Markets are pricing in a longer Fed pause. Strong employment, higher oil prices, and inflation concerns have reduced expectations for near-term rate cuts.

• KEY DATA THIS WEEK — CPI is due Wednesday, followed by PPI and Jobless Claims Thursday. Inflation reports will likely be the biggest mortgage-rate drivers this week.

• LOCK/FLOAT ALERT 🚨 — Lock if closing within 30 days. Treasury yields remain elevated, MBS are weaker, and CPI could create significant volatility. Take action now if you’re under contract or evaluating a refinance.

Sources:
Mortgage News Daily⁠
Reuters Markets⁠
Federal Reserve H.15 Rates⁠

June 5, 2026 Mortgage Market Update• 10YR TREASURY ↑ — The May jobs report came in much stronger than expected, with 172...
06/05/2026

June 5, 2026 Mortgage Market Update

• 10YR TREASURY ↑ — The May jobs report came in much stronger than expected, with 172,000 jobs added, pushing the 10-year Treasury yield up to approximately 4.54%. Higher yields are negative for mortgage rates.

• MBS PRICING ↓ — Mortgage-backed securities are under pressure this morning as bond traders sell Treasuries following the strong employment data. Expect worsening mortgage pricing if losses persist.

• FED & INFLATION — Inflation remains above the Fed’s target, and several policymakers have indicated rate hikes remain possible if price pressures persist. Strong labor data reduces the likelihood of near-term rate cuts.

• TODAY’S DATA — The major market-moving event was today’s Employment Report. Payrolls significantly exceeded forecasts while unemployment held at 4.3%, reinforcing the economy’s resilience.

• LOCK/FLOAT ALERT 🚨 — Lock if closing within 30 days. Today’s jobs report is bond-market negative and has already pushed yields higher. Floating carries elevated risk as markets reassess Fed policy and inflation expectations. Take action now if you’re under contract or considering a refinance.

Sources:
Mortgage News Daily⁠
Reuters Markets⁠
Federal Reserve H.15 Rates⁠

June 4, 2026 Mortgage Market Update• 10-YEAR TREASURY ↘ — The 10-year Treasury is trading near 4.46%, slightly below yes...
06/04/2026

June 4, 2026 Mortgage Market Update

• 10-YEAR TREASURY ↘ — The 10-year Treasury is trading near 4.46%, slightly below yesterday’s highs after recent volatility. Treasury yields remain heavily influenced by Middle East tensions, oil prices, and stronger-than-expected labor data.

• MBS DIRECTION ↔ — Mortgage-backed securities are showing minimal change this morning after overnight volatility. Mortgage rates remain elevated, with recent upward pressure tied to higher oil prices and geopolitical headlines.

• FED & INFLATION — The Fed’s Beige Book highlighted ongoing energy-price pressures, while ISM Services showed rising prices paid, signaling inflation risks remain a concern. Markets continue to debate whether additional Fed tightening could be needed.

• TODAY’S DATA — Markets are digesting yesterday’s strong ADP report (+122K jobs) and ISM Services data. Attention now turns to Friday’s Employment Report, the week’s most important rate-moving event.

• LOCK/FLOAT ALERT 🚨 — Borrowers closing within 15–30 days should strongly consider locking. Jobs data, inflation concerns, and geopolitical risks can quickly push rates higher. Take action now if you are under contract or evaluating a refinance.

Sources:
Mortgage News Daily
Reuters Markts
Federal Reserve H.15 Rates

June 3, 2026 Mortgage Market Update• 10-YEAR TREASURY ↑ — The 10-year yield moved higher toward 4.49% after stronger-tha...
06/03/2026

June 3, 2026 Mortgage Market Update

• 10-YEAR TREASURY ↑ — The 10-year yield moved higher toward 4.49% after stronger-than-expected ADP employment data and renewed inflation concerns tied to higher oil prices and Middle East tensions.

• MBS PRICING ↓ — Mortgage-backed securities are under modest pressure as Treasury yields rise. Recent MBS gains tied to easing geopolitical headlines have faded, creating a less favorable backdrop for mortgage pricing.

• FED & INFLATION — Cleveland Fed President Beth Hammack reiterated that additional policy tightening may be necessary if inflation remains persistent. Markets continue to focus on inflation, energy prices, and Fed expectations.

• TODAY’S DATA — ADP employment came in stronger than expected. Markets now await ISM Services and Friday’s Employment Report, both capable of moving rates significantly.

• LOCK/FLOAT ALERT 🚨 — Rate risk is elevated. Rising Treasury yields, stronger labor data, and geopolitical uncertainty favor locking for borrowers closing within 15–30 days. Take action now if you’re under contract or evaluating a refinance before Friday’s jobs report.

Sources: Mortgage News Daily | Reuters Markets | Federal Reserve H.15 Rates

Call for a Prequal!!! #
06/03/2026

Call for a Prequal!!!
#

06/03/2026

Call 251.810.8946

06/02/2026

Thinking about buying your first home but not sure where to start?

You're not alone-most first-time buyers assume they need 20% down, perfect credit, and everything figured out before even trying. The reality? There are more options available than you think.

With the right plan, the right lender, and the right guidance, homeownership becomes a lot more realistic-and a lot less stressful.

If you've been waiting for the "right time," this is it.
DM me "HOME" and let's get you moving in the right direction. cshrader@smprate" rel="ugc" target="_blank">https://my.successexpress.app/loan-officers/cshrader@smprate

June 2, 2026 Mortgage Market Update• 10YR TREASURY ↓ — The 10-year Treasury is improving this morning, trading near 4.43...
06/02/2026

June 2, 2026 Mortgage Market Update

• 10YR TREASURY ↓ — The 10-year Treasury is improving this morning, trading near 4.43%, down from recent highs around 4.70%. Bond markets are reacting positively to easing Middle East tensions and lower oil prices.

• MBS IMPROVING ↑ — Agency MBS are modestly higher, supporting slightly better mortgage pricing. Mortgage News Daily reports a stronger start for bonds as peace-deal expectations improve.

• FED & INFLATION — Cleveland Fed President Beth Hammack warned that additional tightening could be needed if inflation remains elevated. Inflation and energy costs continue to be the market’s primary concern.

• TODAY’S DATA — Key releases include JOLTS Job Openings, Factory Orders, S&P Global Services PMI, and ISM Services PMI. Labor-market and services-sector data could create afternoon rate volatility.

• LOCK/FLOAT ALERT 🚨 — Bonds are improving today, but Friday’s employment report remains the week’s biggest risk event. If you’re closing within 15–30 days, locking should be strongly considered. Waiting for lower rates carries meaningful risk. Take action now if you’re under contract, refinancing, or actively shopping for a home.

Sources:
Mortgage News Daily
Reuters Markets
Federal Reserve Economic Data (FRED)

Ask about my 24/7 Pre-Qual Hotline! REAL ANSWERS. REAL FAST. REAL PEACE OF MIND. No hit to your credit score. Comment "2...
06/01/2026

Ask about my 24/7 Pre-Qual Hotline! REAL ANSWERS. REAL FAST. REAL PEACE OF MIND. No hit to your credit score. Comment "24/7 for my direct line."

cshrader@smprate" rel="ugc" target="_blank">https://my.successexpress.app/loan-officers/cshrader@smprate

Address

411B Johnson Avenue
Fairhope, AL
36532

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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