Keller Crowley Team - City Bank Mortgage - NMLS# 937821

11/01/2026

The Wizard & Fort Worth’s Local Mortgage Lender 🤣
Melissa Udoff Crowley

10/14/2026

This morning’s CPI report came in hotter than expected, sending stocks lower and Treasury yields higher. The market’s odds of another Fed rate hike this month more than doubled to roughly 52%. 📊📉

But the biggest headline for housing: Fannie Mae now projects the average 30-year fixed mortgage rate at 7.5% for 2027, up from 6.7% in September’s forecast. That’s roughly a ¾ percentage-point increase in just about a month. 🏡📈

Definitely not the news we wanted to hear, and it looks like we could be in this higher interest rate environment a little longer. Forecasts can change, but waiting for lower rates doesn’t come with a guarantee. 😬⏳

The good news is we have options at City Bank. Our portfolio loan and ARM options may help with both rates and qualifying. Give me a call, and let’s talk through what could work for you! 📲🤝

Please note that this is not a commitment to lend. All clients are subject to credit approval.

10/07/2026

📈 The 10-year Treasury hit 5.35% today—its highest level since 2002. That was the year Nelly gave us “Hot in Herre”… and the mortgage world is definitely feeling the heat. 🔥🥵

My take: meaningful rate relief may be tough to come by until we see inflation cool. 🌡️🧊

But you still have options. 🏡 A traditional 30-year fixed isn’t the only route. Portfolio loans and adjustable-rate mortgages may offer a lower initial rate, depending on your situation, with different terms and future adjustment risks to consider. 🔑💰

Make sure you’re talking with a lender who can walk you through those choices. I have these options and would love to talk with you about what might work best for your situation. We can’t control the market, but we can explore your options together. 🤝🏡

Please note that this is not a commitment to lend. All clients are subject to credit approval.

09/24/2026

The 10-year Treasury yield just hit another high, reaching a level we haven’t seen since 2007. 📈😬

As Vanilla Ice would ask: “Will it ever stop?” 🧊🎤

Here’s the good news for homebuyers: mortgage rates are still below their 2023 peak, some sellers are cutting asking prices, and more buyers are negotiating seller concessions to help with costs. 🏡💰

Don’t give up on buying a home. I’m here to help you explore different loan options and find one that works for you. 🙌🔑

Please note that this is not a commitment to lend. All clients are subject to credit approval.

09/16/2026

SUMMARY OF FED DECISION (9/16/2026):

1. Fed hikes interest rates by 25 bps for first time since July 2023

2. The decision was made in a 12-0 unanimous vote

3. Fed says the decision will support a “timelier” return to 2% inflation

4. Median Fed forecast shows one more 25 basis point rate hike in 2026

5. Fed says job gains are strong and the unemployment rate has “changed little”

6. “The Committee will deliver price stability,” the Fed’s statement says

Higher for longer is back!!

Please note that this is not a commitment to lend. All clients are subject to credit approval.

09/10/2026

📈 The 10-Year Treasury yield has climbed to its highest level since 2023 — and outside of that brief spike, we’re near levels we haven’t seen since 2007. ⏳

🏠 Mortgage rates continue to feel the pressure, and right now there’s no clear sign of meaningful relief on the horizon. 🌥️

🇺🇸 One of the biggest factors: government borrowing. The U.S. continues to issue massive amounts of Treasury debt, and that added supply can push yields higher — putting even more pressure on mortgage rates. 📈

👀 Unfortunately, there’s just not a lot of positive news in sight for rates right now. I’m here to keep an eye on everything, cut through the noise, and keep you updated on what it all means for mortgage rates. 📰

🏡🤝 Please let me know if I can help you in anyway! 📞

Please note that this is not a commitment to lend. All clients are subject to credit approval.

07/30/2026

The Fed held interest rates steady yesterday. 👍📊

The bigger story was the 9-3 vote, with three members pushing for a rate hike—the most dissent we’ve seen in more than 10 years. 👀📈

Now the crystal balls are back out, and many are predicting higher rates ahead. 🔮

I’m hoping those crystal balls work about as well as the ones that had rates falling by now. 🤞😂

Please not that this is not a commitment to lend. All clients are subject to credit approval.

07/23/2026

📈 10-Year Treasury yield: Over 4.7% and a new 52-week high.
🏠 Mortgage rates: Feeling the pressure.
🥵 North Texas: Approximately 147 degrees.
⚽️ Me: Still suffering from a severe case of World Cup fever.

Inflation concerns, oil prices, and the possibility of another Fed rate hike are all creating a tough environment for interest rates right now. Since mortgage rates tend to closely follow the 10-Year Treasury, this is definitely something we’re watching closely.

Rates are hot. Texas is hotter. And apparently I’m still not over the World Cup. 😂⚽️🔥

As always, if you have questions about what all of this means for buying, refinancing, or your mortgage options, give me a call!

☀️

06/23/2026

“Elevator up, stairs down.” 📈➡️📉 🏡

The Iran-US deal is good news for mortgage rates, but don’t expect them to race back below 6% overnight. 🇺🇸🤝🌍

While easing tensions and lower oil prices help ⛽️⬇️, inflation is still proving stubborn 📊 and Fed policy remains the biggest factor. In fact, one potential future Fed Chair recently mentioned the possibility of a rate increase this year. That’s one reason rates are coming down the stairs instead of taking the elevator. 🏢⬇️

The good news? We are moving in the right direction. 👍 The bad news? Patience is still required. ⏳

I’ll keep watching the bond market 📈 and keeping everyone updated while trying to focus on work through a serious case of World Cup fever. ⚽️🌎🇺🇸🔥
⚽️

05/20/2026