The Murphy Whitlock Group

04/24/2026

🏡 Happy Friday Friends! Mortgage Market Update Time!
CLICK HERE TO WATCH >>>youtube.com/watch?v=McZTjmjWsrY&feature=youtu.be

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📊 Stat of the Week – A Surprising Buyer Group
This week’s stat highlights one of the largest buying pools in today’s market—and it might surprise you.
• This age group now makes up the 2nd largest segment of homebuyers
• A reminder that demand isn’t just coming from traditional first-time buyers
• Joe and Chris break down why this demographic is so active and what it means for the market
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🏠 Pending Home Sales Beat Expectations
We got fresh data on March pending home sales (signed contracts):
• Numbers came in better than expected
• February was also revised higher, showing stronger momentum than initially reported
This is a positive sign that buyers are stepping back into the market as rates stabilize.
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🏛️ Washington Update – Fed Leadership & DOJ News
A couple of key developments out of Washington this week:
• Kevin Warsh, the new Fed Chair nominee, had his Senate hearings
• No major surprises, but it’s a key step toward confirmation
And today:
• The DOJ officially dropped its investigation into Fed Chair Jerome Powell
• Not unexpected, as it clears the path for a smoother transition to new leadership
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🎯 Final Takeaway
Between stronger housing data and a clearer path for Fed leadership, we’re seeing stability return to both the housing market and broader financial markets.
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🎶 Weekend Note
Have a great weekend everyone—and if you’re heading out to FoCoMX, enjoy the music and the energy around Fort Collins!

04/10/2026

🏡 Happy Masters Week! Mortgage Market Update
CLICK TO WATCH: youtube.com/watch?v=f0PTjrspaiY&feature=youtu.be
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🌍 Geopolitics Calm the Markets
All eyes are on the reported ceasefire in Iran, which—at least for now—has helped settle global markets.
• Reduced geopolitical tension has taken pressure off oil prices
• The bond market has stabilized
• And mortgage rates have pulled back slightly from recent highs
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📉 Bond Market & 10-Year Treasury Update
Chris walks through the 10-year Treasury and bond market, highlighting:
• Rates appear to have peaked around March 27th
• Since then, we’ve seen a nice rebound lower in mortgage rates
• If this trend continues, it could signal a more stable rate environment heading into spring
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💰 Joe’s Mortgage Rate Breakdown
Joe wraps things up with his full mortgage rate update, covering:
• Conventional purchases
• FHA & VA loans
• Jumbo options
• Refinances
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⛳ Masters Picks
Of course, it wouldn’t be Masters Week without a little fun—Joe and Chris close things out with their picks to win The Masters.
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🎯 Final Takeaway
With geopolitical tensions easing and the bond market stabilizing, we’re seeing some relief in mortgage rates. It’s a welcome shift as we move into a busy time of year for buyers and sellers.
Have a great weekend, enjoy The Masters, and we’ll see you next week!

🏡 Happy Masters Week! Mortgage Market UpdateWith Joe & Chris – The Murphy Whitlock GroupJoe and Chris are back with this week’s update, and while it wasn’t ...

04/10/2026

10/25/2023

🍂 Fall is a great time to prepare your home for the colder months ahead. Here are some fall home maintenance ideas to help you get started:

🍁 Clean Gutters and Downspouts:
Remove debris for proper water drainage.

🏠 Inspect Roof:
Check for damage and leaks; repair if needed.

🚪 Seal Windows and Doors:
Use weather-stripping to keep the cold out.

🔥 Service Heating System:
Have a professional inspect and service it.

🌳 Trim Trees and Shrubs:
Prevent potential storm damage.

❄️ Winterize Outdoor Faucets:
Drain and turn them off to prevent freezing.

🧹 Clean Dryer Vent:
Prevent potential fire hazards by cleaning the dryer vent.

🌱 Prepare Lawn and Garden:
Trim plants, apply fertilizer, and tidy up for winter.

10/19/2023

As we celebrate Financial Planning Month, let's shed light on an often untapped resource for creating wealth—your home's equity. 🏡💡

Your home is more than just a place to live; it's a potential asset that can help secure your financial future. By leveraging your home's equity wisely, you can unlock opportunities to invest, grow your wealth, and achieve your financial goals.

Here's how you can utilize your home's equity to make a positive impact on your financial success:

1️⃣ Home Equity Loans or Lines of Credit (HELOCs): Tap into your home's equity to fund important projects, education, or investments. HELOCs offer flexible access to funds, making it a smart financial tool.

2️⃣ Real Estate Investment: Consider investing in additional properties using your home's equity as leverage. Real estate has historically proven to be a valuable long-term investment strategy.

3️⃣ Debt Consolidation: Pay off high-interest debts with a home equity loan, consolidating multiple payments into one manageable monthly payment at a lower interest rate.

4️⃣ Home Improvements: Enhance the value of your property through strategic renovations, increasing its worth and contributing to your financial portfolio.

Let's work together to devise a personalized financial plan that aligns with your aspirations and leverages your home's equity to propel you towards financial success. 📊✅

Reach out to us to discuss how you can make the most of your home's equity and achieve your financial dreams! 📲💡

Direct: (303) 759-7457 | Cell: (323) 363-6760 | Fax: (800) 447-7968
License: CO: 100509704, WY: 8821 | NMLS: 1675161
[email protected] | www.murphyloans.com
ULC NMLS 2996

10/17/2023

Mums can add lots of fall beauty to your home! Here are a few tips to make them last all season! 👇

🌱 Choose healthy mums with unopened buds.
☀️ Place them in full sunlight.
💧 Water the soil, not the leaves, keeping it moist but not waterlogged.
🏞️ Ensure well-drained soil and proper planting or potting.
🌼 Use slow-release fertilizer and pinch stems for bushier growth.
❄️ Protect from frost and provide support if needed.
🌿 Mulch to retain moisture and regulate soil temperature.
🐞 Check for pests, diseases, and stress regularly.
🏡 Consider overwintering indoors for future blooms

10/14/2023

🏠 💡 October is Financial Planning Month! 💰 🏠

Dreaming of owning a home? Let's talk about laying the groundwork for your homeownership journey. 💭✨ Here are some tips to financially plan for that exciting step:

1️⃣ Budget & Save: Start by creating a detailed budget to understand your income, expenses, and savings potential. Allocate a portion of your income to a dedicated home fund.

2️⃣ Research Home Costs: Explore the housing market in your desired area. Get an idea of what your new home might cost.

3️⃣ Credit Check: A good credit score is very beneficial. Check your credit report, address any issues, and work on improving your score. You can visit www.annualcreditreport.com to get a FREE copy of your credit report per year.

4️⃣ Financial Health Check: Evaluate your debts, outstanding loans, and other financial obligations. Aim to reduce debt to improve your financial health.

5️⃣ Consult a Mortgage Professional: Reach out to our team to guide you through the process. We can help tailor a mortgage plan that suits your financial situation and goals.

6️⃣ Down Payment Strategy: Determine the down payment amount you can comfortably afford. Consider strategies to save for this upfront cost.

7️⃣ Emergency Fund: Build or replenish your emergency fund to ensure you're prepared for unexpected home maintenance or additional costs that may arise.

By taking these steps, you're setting yourself up for success in achieving your homeownership goals. Let's make October a month of strategic financial planning and inch closer to making your dream home a reality! 💰 🏡

Direct: (303) 759-7457 | Cell: (323) 363-6760
License: CO: 100509704, WY: 8821 | NMLS: 1675161
[email protected] | www.murphyloans.com
ULC NMLS 2996