Adam Stempin/ UMortgage

Adam Stempin/ UMortgage Providing opportunities for low rates, hassle-free mortgages for buying or refinancing a home throughout VA & MD

NMLS 1199494/1892115
(www.nmlsconsumeraccess.org)

๐Ÿก ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐—ช๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐—ฆ๐—ฒ๐—ฝ๐˜๐—ฒ๐—บ๐—ฏ๐—ฒ๐—ฟ ๐Ÿณ, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฒ๐—Ÿ๐—ฎ๐˜€๐˜ ๐—ช๐—ฒ๐—ฒ๐—ธ'๐˜€ ๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฅ๐—ฎ๐˜๐—ฒ ๐—ฅ๐—ฒ๐—ฐ๐—ฎ๐—ฝ: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—บ๐—ผ๐˜ƒ๐—ฒ๐—ฑ ๐—ต๐—ถ๐—ด๐—ต๐—ฒ๐—ฟ ๐Ÿ‘ŽMortgage rates continued to cree...
09/08/2026

๐Ÿก ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐—ช๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐—ฆ๐—ฒ๐—ฝ๐˜๐—ฒ๐—บ๐—ฏ๐—ฒ๐—ฟ ๐Ÿณ, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฒ

๐—Ÿ๐—ฎ๐˜€๐˜ ๐—ช๐—ฒ๐—ฒ๐—ธ'๐˜€ ๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฅ๐—ฎ๐˜๐—ฒ ๐—ฅ๐—ฒ๐—ฐ๐—ฎ๐—ฝ: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—บ๐—ผ๐˜ƒ๐—ฒ๐—ฑ ๐—ต๐—ถ๐—ด๐—ต๐—ฒ๐—ฟ ๐Ÿ‘Ž
Mortgage rates continued to creep higher last week, helped along by rising oil prices and markets pricing in a possible Fed rate hike this month after Fed Chair Warsh's comments in Jackson Hole and stronger-than-expected jobs data.

๐—ง๐—ต๐—ถ๐˜€ ๐—ช๐—ฒ๐—ฒ๐—ธ'๐˜€ ๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฅ๐—ฎ๐˜๐—ฒ ๐—™๐—ผ๐—ฟ๐—ฒ๐—ฐ๐—ฎ๐˜€๐˜: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ฐ๐—ผ๐˜‚๐—น๐—ฑ ๐˜„๐—ผ๐—ฟ๐˜€๐—ฒ๐—ป ๐Ÿ‘Ž
This week features a focus on inflation, and if it comes in higher than expected it will pressure rates higher. Rates will also be influenced by oil prices, which continue to rise. It looks likely that mortgage rates will continue to creep higher unless something unforeseen happens this week.

๐Ÿ“ˆ ๐—ช๐—ต๐—ฎ๐˜โ€™๐˜€ ๐—ฎ๐—ณ๐—ณ๐—ฒ๐—ฐ๐˜๐—ถ๐—ป๐—ด ๐—ฟ๐—ฎ๐˜๐—ฒ๐˜€ ๐˜๐—ต๐—ถ๐˜€ ๐˜„๐—ฒ๐—ฒ๐—ธ:
โ€ข The Fed: Mortgage rates currently reflect about a 60% chance of a Fed rate hike this month, and if inflation comes in hot, that could increase. Mortgage rates rise ahead of actual Fed rate hikes, so if markets anticipate a hike after this week's data, it will push mortgage rates higher to end the week.
โ€ข Inflation data: Wholesale inflation data comes out on Thursday, with consumer inflation data on Friday. If inflation comes in hotter than expected, it could push mortgage rates up to end the week.
โ€ข Oil: If oil prices continue to rise this week, it will pressure mortgage rates higher.

New 5.0-star Review: "From the very beginning, and through every step of the way, Adam was there to offer help, quickly,...
09/08/2026

New 5.0-star Review: "From the very beginning, and through every step of the way, Adam was there to offer help, quickly, professionally, and honestly. We hit a few bumps in the road, and with each one, Adam guided us to a successful closing. I couldn't be more pleased with Adam, and with my new home."

New 5.0-star Review: "From the very beginning, and through every step of the way, Adam was there to offer help, quickly,...
09/08/2026

New 5.0-star Review: "From the very beginning, and through every step of the way, Adam was there to offer help, quickly, professionally, and honestly. We hit a few bumps in the road, and with each one, Adam guided us to a successful closing. I couldn't be more pleased with Adam, and with my new home."

New 5.0-star Review: "Adam handled our process with all of the full transparency and care that you would want in an advi...
09/04/2026

New 5.0-star Review: "Adam handled our process with all of the full transparency and care that you would want in an advisor. He made sure every step was explained in its entirety and was very responsive when we had any questions at all."

New 5.0-star Review: "Adam was amazing to work with and really made the process feel a lot easier than we thought it wou...
09/04/2026

New 5.0-star Review: "Adam was amazing to work with and really made the process feel a lot easier than we thought it would be. He helped us every step of the way and was always available to answer our questions. Truly grateful that we had him."

New 5.0-star Review: "We just closed on our first home and our Loan Officer - Adam Stempin, was incredible from start to...
09/04/2026

New 5.0-star Review: "We just closed on our first home and our Loan Officer - Adam Stempin, was incredible from start to finish. He explained every guideline clearly, kept us on track, and made a very stressful process feel doable. Thanks to his knowledge and steady guidance, my mom, my son, and I are settling into our new home. I recommend him to anyone looking for a lender who truly communicates and cares. Thank you for all you do Adam!!!"

New 5.0-star Review: "Adam handled our process with all of the full transparency and care that you would want in an advi...
09/03/2026

New 5.0-star Review: "Adam handled our process with all of the full transparency and care that you would want in an advisor. He made sure every step was explained in its entirety and was very responsive when we had any questions at all. "

New 5.0-star Review: "Adam was excellent and very professional."
09/03/2026

New 5.0-star Review: "Adam was excellent and very professional."

I've lived PCS. relocations over and over,  I know the chaos. If you're PCSing to Virginia, Quantico, Fort Belvoir, Dahl...
09/02/2026

I've lived PCS. relocations over and over, I know the chaos.

If you're PCSing to Virginia, Quantico, Fort Belvoir, Dahlgren, or anywhere in the Fredericksburg corridor, here's the VA-loan checklist that changes the math:

1. Day 1 of your orders: pull your Certificate of Eligibility (COE). Free, online, 5 minutes. Don't wait.
2. 60 days out from arrival: interview realtors who know VA structures or I can introduce you to one.
3. Pre-arrival financial planning: BAH, COLA, and special pay changes affect your qualifying ratios.
4. Bonus entitlement: if you've used your VA loan once, you still have 2nd-tier entitlement. Don't accept "you've used it" as the final answer.
5. The funding-fee exemption: disabled veterans and Purple Heart recipients, the 2.15-2.4% fee is waived.

๐Ÿ˜Ž ๐Ÿ‰ ๐—›๐—ฎ๐˜ƒ๐—ฒ ๐—ณ๐˜‚๐—ป ๐˜๐—ต๐—ถ๐˜€ ๐˜„๐—ฒ๐—ฒ๐—ธ๐—ฒ๐—ป๐—ฑ! ๐Ÿšค ๐Ÿฆ
09/02/2026

๐Ÿ˜Ž ๐Ÿ‰ ๐—›๐—ฎ๐˜ƒ๐—ฒ ๐—ณ๐˜‚๐—ป ๐˜๐—ต๐—ถ๐˜€ ๐˜„๐—ฒ๐—ฒ๐—ธ๐—ฒ๐—ป๐—ฑ! ๐Ÿšค ๐Ÿฆ

Address

Fredericksburg, VA
22401

Opening Hours

Monday 8am - 8pm
Tuesday 8am - 8:15pm
Wednesday 8am - 8pm
Thursday 8am - 8pm
Friday 8am - 8pm
Saturday 8am - 8pm
Sunday 8am - 8pm

Telephone

+15402725927

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