The Guthrie Team - Mortgage Lending

08/29/2026

🏠 Should you wait for mortgage rates to come down before buying?

That’s probably the #1 question I get right now.

Here’s what I tell buyers: don’t look at the interest rate in a vacuum. Look at the entire opportunity.

Higher rates have slowed demand, but that has also created something we haven’t had much of over the last several years — buyer negotiating power.

We’re negotiating seller-paid closing costs, temporary buydowns, permanent rate buydowns and other concessions that can make a BIG difference in both the cash needed to close and the monthly payment.

Here’s the part buyers need to think about:

When mortgage rates eventually improve, you probably won’t be the only person who notices. More buyers come off the sidelines, competition increases, and sellers have less reason to give away concessions.

The best time to negotiate the purchase may come BEFORE the best interest rate.

Find the right house. Negotiate the best deal we can today. Structure the financing intelligently. Then when rates improve, we look at refinancing.

If you’re thinking about buying, let’s run the numbers before you decide to wait. You may be surprised at what we can put together.

📲 Jeff Guthrie
📞 469-600-9575

08/21/2026

Friday Market Update 🏡

A lot of buyers are waiting for rates to get back into the 4s—but don’t overlook the negotiating power they have right now.

On a $450K home, we’re often able to negotiate around $10K off the price + $8K–$10K in seller-paid closing costs + title & survey. That can easily add up to $20K–$25K in savings today.

Here’s the interesting part: On a $450K loan, going from 6.5% to 4.5% saves roughly $564/month. It would take almost 4 years of that lower payment just to equal $25K.

And when rates do fall, more buyers will likely enter the market and sellers may not be nearly as generous.

You can refinance the rate later. You can’t renegotiate the purchase price and seller concessions after closing.

If you have buyers waiting on rates, let’s run the numbers. I’m available this weekend!

08/14/2026

🏡 Friday Mortgage Market Update

Mortgage rates remained relatively steady this week, with conventional 30-year fixed rates improving slightly. Stability is good news for buyers—it makes budgeting easier and creates opportunities to negotiate seller concessions or a temporary rate buydown.

If you have clients considering a purchase, I’m available all weekend to provide updated numbers and same-day preapprovals.

Have a great weekend!

Jeff Guthrie | NMLS #920178
📱 469-600-9575
📧 [email protected]

08/11/2026

🏡 Big news for homebuyers!

New conventional guidelines may allow us to use assets from checking, savings, and retirement accounts as qualifying income — with no age restriction.

This could be a game changer for buyers who have strong assets but limited traditional income.

Want to know if this could help you qualify? Let’s talk!

08/07/2026

Waiting for the “perfect” rate could mean missing the perfect home.

The right strategy isn’t always about waiting—it’s about knowing your options and being ready when the right opportunity comes along.

🏡 How long are you willing to wait on rates?

Let’s run the numbers and make a plan.

07/22/2026

07/16/2026

Buying a home doesn’t have to be overwhelming. With the right strategy, it can actually be a smooth and enjoyable experience.

Whether you’re buying your first home, moving up, refinancing, or investing, I’m here to help you find the mortgage solution that fits your goals.

✅ Available 7 days a week
✅ Personalized mortgage strategies
✅ Clear communication from application to closing

If you’re thinking about buying a home or just have questions about today’s market, let’s talk.

📞 (469) 600-9575
📧 [email protected]

07/10/2026

Happy Friday! 🤩

We get asked all the time, “What will this do to mortgage rates?” The truth is, rates don’t usually move because of one headline—they’re driven by the bigger economic picture, and by the time the news hits, the market has often already priced it in. That’s why we focus on strategy, not headlines. Whether it’s negotiating seller-paid closing costs, using temporary rate buydowns, or securing a permanent rate buydown, there are often ways to save buyers money regardless of the day’s news. If you have a client with questions, I’m always happy to help them explore their options.
Call me seven days a week!