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Cody Clark - Loan Officer - NMLS #1228640

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United States
Clarkston, MI
Cody Clark - Loan Officer - NMLS #1228640

Sr. Loan Officer - With a decade of experience, I’ve helped hundreds of homebuyers. You’re next!
(1)

09/08/2026

🚨Rate Update 🚨

Virtually not much movement across the board on interest rates over the last month. Oil barrel prices are currently above $93 a barrel, adding further inflation pressure because with increased oil prices means increased energy costs, which push the prices for lots of other things as well.

The 10-year treasury yield also continues to climb. Why? Well, the government is borrowing a lot of money, and when there's a lot of something to borrow, the “price” (the yield investors want) goes up.

Cody Clark, Team Leader & Sr. Loan Officer
(989)737-5844

08/07/2026

🚨Rate Update 🚨

The war in Iran and the Strait of Hormuz being closed hasn't done the market any favors over the last month. We watched interest rates increase nearly a quarter of a percent through the month of July. Now a lot of that is simply because stocks have stayed stagnant with the volatility surrounding the current environment. As a reminder, when stocks aren't doing well, more investors buy bonds. When bond yields are up, interest rates go up. When the news of an Iran deal ultimately goes through, stocks will increase (like they did a few days ago), bond yields will go down, interest rates will follow.

Now at the same time, this disagreement isn't just between us and Iran. This blockage of the Strait is causing a global energy crisis. Saudi Arabia is developing a plan to cut Iran out and develop a way to ship without using the Strait so if they are able to figure that out, the Iranian government would be at a loss and their GDP growth would be nonexistent so there is pressure on both Iran and us to figure out a deal. It's only a matter of time until we're back to normal. Until then, we sit tight and ride the wave.

Cody Clark, Team Leader & Sr. Loan Officer
(989)737-5844

06/10/2026

You don't need a new house at a higher rate in order to have the space/upgrades that you need! We can do an equity loan for 30 years with a fixed rate where you can take out up to 90% of your property value depending on your credit score (740+). These have a minimum loan amount of $10,000 so this even applies to small upgrades as well!

Reach out to me today and I can walk you through what a potential equity loan might look like for you 🤘

Cody Clark, Team Leader & Loan Officer
989-737-5844

06/08/2026

🚨 Rate Update 🚨

Early into June and we can see that rates from this time last month were lower than where we are today. What's not pictured here is that in the month of May, rates at one point for a 30 year fixed mortgage were averaging 6.73%. Thank GOODNESS these numbers are coming down. I'm sure you've also noticed that gas prices are making their way back to reality. Now technically, we've now been at "war" with Iran for 100 days now and with no deal on the horizon, gas prices and interest rates may be poised to go back up. Enjoy the dip while it lasts and let's hope that we can get a deal done and get the Strait of Hormuz back open for business!

Cody Clark, Team Leader & Loan Officer
(989)737-5844

05/29/2026

Special friends lunch with my favorite nephews today! What a beautiful Friday to have it! ☀️😎

05/01/2026

Happy Friday and thank you for all of your support last few years! 🤘

Since November of 21, we’ve received 253 reviews and of which, 98% of them were 5 STAR! 🤩 We couldn’t do it without your support so here’s to you! 🍻

04/29/2026

Listen up! 📢

Escrow accounts are SUPER IMPORTANT. As a lender, we have to set the account up based on what the taxes are at the time of closing, not what they are going to be. Because of this, you can run into what is called an escrow shortage. To be prepared for this, find yourself a lender (like myself) that gives you an estimated payment based on future taxes so that you can put those extra funds aside for when the shortage comes so there are no surprises.

04/25/2026

Knockout’s content is on point 🎯 Nice dance moves Rachel! 💃

04/17/2026

Little dad joke for your Friday - Happy Tax Season!! 😅😂

04/16/2026

What I love about being a loan officer, is the daily problem solving! 🧐

Just in the last day we've had a closing, 3 clear to closes, 2 new applications, a good amount of new borrowers approved to buy their dream homes, and three other clients making offers! 🙏

All of this doesn't happen by mistake! 🙌 It takes persistence and being solution focused.

Whether it be:

💥Negotiating a well issue into seller concessions to keep costs down
💥Challenging appraisal values and working with a builder and the buyer's agent
💥Having a special endorsement added to a condo association master insurance policy
💥Document requests, asset paper trails 😅, rush appraisals, constant number crunching, brokered loan products when normal financing just doesn't work out, etc..

Don't work with just anyone for your mortgage, work with someone that cares and finds ways to make loans CLOSE. Don't make a 30 minute decision on a 30 year investment 🤘

Cody Clark, Sn. Loan Officer
(989)737-5844

Address

Clarkston, MI
48734

Telephone

+19897375844

Website

https://myloan.mortgage300.com/homehub/signup/[email protected]

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