Adam Black-Cross Country Mortgage

Adam Black-Cross Country Mortgage Mortgage Loan Officer
NMLS #121384
Branch #4335
Company NMLS #3029
Mississippi Licensed Mortgage Company Mortgage Loan Officer

08/25/2026

Thinking about buying a home ? Don’t let interest rates hold you back! There are so many options for first-time home buyers, from zero down to assistance programs. Connect with a professional and explore your possibilities!

Mortgage rates finished last week slightly higher overall, but once again it was a little mixed. Conventional had the bi...
08/24/2026

Mortgage rates finished last week slightly higher overall, but once again it was a little mixed.

Conventional had the biggest move, increasing about .07%. VA and USDA were up slightly, while FHA actually improved just a little.

The bigger story continues to be the bond market. Longer-term Treasury yields moved higher last week, which puts pressure on mortgage rates. In fact, the 30-year Treasury hit its highest level since 2007.

Why? Inflation is still a concern, government debt is getting a lot of attention, and everything happening in the Middle East continues to put pressure on energy prices. All of that gives investors plenty to be nervous about.

This week could be interesting. We have the Fed meeting in Jackson Hole along with new inflation numbers coming out. Either one could give the market something to react to.

For now, I think we continue to see some back-and-forth until the market gets more comfortable with inflation.

08/20/2026

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Rates gave back some of last week's improvement, but the inflation news toward the end of the week was actually encourag...
08/17/2026

Rates gave back some of last week's improvement, but the inflation news toward the end of the week was actually encouraging. The bigger issue continues to be high Treasury yields and geopolitical uncertainty. That's keeping us from seeing any kind of consistent downward trend in mortgage rates yet. Hang in there!

08/11/2026

Settling into your new home? Connect with your neighbors and tackle improvement projects gradually! Enjoy this journey, celebrate your achievements , and grab your free guide for smooth sailing! 📚

Rates finished the week better pretty much across the board. Conventional rates saw the biggest improvement, dropping ab...
08/10/2026

Rates finished the week better pretty much across the board. Conventional rates saw the biggest improvement, dropping about .18%. FHA improved just slightly, VA improved about .06%, and USDA improved about .07%.

The market bounced around quite a bit during the week, but Friday was really the difference maker.

The July jobs report came in much weaker than expected and actually showed the economy lost 23,000 jobs. That's certainly not great news for the economy, but weaker economic data can be good news for mortgage rates. Investors moved money into bonds, Treasury yields fell, and mortgage pricing improved.

We're still dealing with concerns around inflation, oil prices and everything happening geopolitically, so I don't think we're out of the woods by any means. But after several weeks of upward pressure, it was certainly nice to see some improvement.

As I've said many times, bad news for the economy can sometimes be good news for mortgage rates. Last Friday was a perfect example.

08/05/2026

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Mortgage rates can change fast... and today is a perfect example why it's so hard to follow them on your own.Looking bac...
08/03/2026

Mortgage rates can change fast... and today is a perfect example why it's so hard to follow them on your own.

Looking back at last week, rates were all over the place. Conventional loans moved up noticeably, FHA was basically flat, VA increased slightly, and USDA actually improved. That's because different investors value different loan types differently. There isn't always one simple reason.

The bigger picture is that inflation concerns, Treasury yields, and comments from the Federal Reserve have all been putting pressure on rates. On top of that, what's happening around the world—especially in the Middle East—has kept energy prices and inflation concerns elevated.

But then this morning, the market shifted again.

News that President Trump called off a planned military strike against Iran and that negotiations may resume helped calm investors. Oil prices quickly dropped below $80 per barrel, and we're already seeing mortgage pricing improve this morning.

That's why trying to "time the market" is nearly impossible. The headlines can change in a matter of hours, and mortgage rates change with them.

If you're thinking about buying or refinancing, don't rely on yesterday's news. Talk with a mortgage professional who watches the market every day.

07/30/2026

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07/28/2026

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Address

116 Livingston Church Road Suite B
Flora, MS
39071

Opening Hours

Monday 8am - 5:30pm
Tuesday 8am - 5:30pm
Wednesday 8am - 5:30pm
Thursday 8am - 5:30pm
Friday 8am - 5:30pm
Saturday 8am - 5:30pm

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