Loans By Thomas

08/19/2026

Another one FUNDED! 🏡🔑💙

$319,113 across the finish line. Another client officially HOME. 🙌🏾

08/11/2026

🏡 Waiting for mortgage rates to drop? This week could get interesting. 👀

The market was relatively quiet today—but Wednesday could be a completely different story.

The latest inflation report is coming, and depending on what those numbers show, we could see the conversation around mortgage rates start to shift.

Meanwhile, something else is happening that buyers shouldn’t ignore: home values are still moving. National home prices increased 0.3% in June and are up 1.2% year-over-year.

So while everyone is watching rates, remember: the housing market isn’t standing still while you wait.

🎥 I break down what’s happening, what’s coming next, and—most importantly—what it actually means for homebuyers.

Follow for the next market update. Wednesday could be a big one.

08/07/2026

🚨 The market just got a major surprise.

Today’s jobs report came in much weaker than expected—and that’s welcome news for mortgage rates.

The economy lost jobs instead of adding them, previous months were revised lower, and wage growth continued to slow. While nothing is guaranteed, this report increases the chances that mortgage rates could improve if this trend continues.

If you’re thinking about buying a home, refinancing, or you’re a Realtor helping clients navigate this market, understanding what’s driving rates can give you an advantage.

I break down the mortgage market every weekday in plain English, so you don’t have to sift through the headlines yourself.

💬 Do you think mortgage rates will be lower by the end of the year?

08/06/2026

Another file across the finish line. ✅💼

There’s something satisfying about hearing the words “Closed & Funded.”

Every file has a story. Every closing takes teamwork, problem-solving, and persistence. Grateful for another successful one in the books.

On to the next. 🔥🏡

08/06/2026

Welcome to today’s Mortgage Market Update.

If you’re buying a home, refinancing, or you’re a Realtor helping clients navigate today’s market, this series is for you.

Every weekday the markets are open, I’ll break down what’s moving mortgage rates, explain what it actually means in plain English, and help you separate the headlines from what really matters.

No confusing financial jargon. Just quick, honest updates to help you make smarter real estate decisions.

📅 New market updates every weekday when the markets are open. Save this post, share it with someone buying a home, and check back tomorrow for the next update.

07/21/2026

07/18/2026

🏡 Thinking about waiting for mortgage rates to drop before buying your first home?

A lot of buyers are doing exactly that. But here's what the latest housing data is telling us...

📈 Home prices just reached another record high.
📉 Existing home sales slowed.
🏠 Inventory is still limited.
👥 First-time buyers made up only 33% of June purchases.

A slower market doesn't automatically mean lower home prices.

The biggest mistake I see is people waiting for the "perfect" market instead of understanding what they can afford today. The right strategy depends on your budget, your goals, and your timeline—not headlines.

If you're thinking about buying in Wesley Chapel, Tampa Bay, or anywhere in Florida, let's talk through your options so you can make an informed decision.

What do you think—are home prices going up or down over the next year? Let me know in the comments. 👇

07/18/2026

🏡 Is NOW the time to buy in Hillsborough County? The numbers are telling a different story…

📊 Here’s what’s happening:
✅ 6,037 active homes on the market
✅ Average of 63 days on market
✅ Median list price: $429,000

More homes to choose from. Less competition. More negotiating power.

If you’ve been waiting for the “right time,” this market may be giving first-time buyers the opportunity they’ve been looking for.

Thinking about buying your first home? Let’s build a game plan and see what you qualify for—before the market shifts again.