The Guthrie Team - Mortgage Lending

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The Guthrie Team - Mortgage Lending Apex Funding NMLS #2486773
OK: MB016026
LO: NMLS # 920178
Oklahoma:MLO33304
www.apexfunding.net

10/15/2026

🤩 It’s a good day for mortgage rates! Let’s keep this momentum going 🏡🚀

rates

09/25/2026

🏡 Friday Market Update! Mortgage rates higher this week! Might be the best thing for homebuyers… Sellers paying closing cost, title, rate buy downs, coming off the asking price! 🤩
Let’s put a strategy in place and negotiate a deal of a life time for your clients.
Call me 7 Days a Week (469) 600-9575📲

09/15/2026

🚨Realtors, start thinking about your VA home buyers 🇺🇸
100% Financing + Seller Paid Closing cost = Successful Home Buyer 🤩

Available 7 Days a Week (469) 600-9575📲

09/11/2026

We know your working this weekend and so are we! The Guthrie Team is on standby for any of your home buying needs. 🏡 🎈

09/09/2026

🏡 The mortgage market is changing — and opportunity comes with knowing how to use it.

Whether you’re thinking about buying now, waiting for rates to improve, or simply trying to figure out what makes the most financial sense, there are strategies available that can make a BIG difference.

Temporary rate buydowns, seller-paid closing costs, negotiating the purchase price, and structuring the right loan can sometimes be just as important as the headline interest rate.

My job isn’t simply to quote you a rate — it’s to help you put together the best overall mortgage strategy for your situation.

If you’re thinking about buying a home, give me a call. I’m always happy to run the numbers and show you what your options look like.

[email protected]
(469)600-9575 📲

🏠 Should you wait for mortgage rates to come down before buying?That’s probably the #1 question I get right now.Here’s ...
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

Friday Market Update 🏡A lot of buyers are waiting for rates to get back into the 4s—but don’t overlook the negotiating p...
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!

🏡 Friday Mortgage Market UpdateMortgage rates remained relatively steady this week, with conventional 30-year fixed rate...
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]

🏡 Big news for homebuyers!New conventional guidelines may allow us to use assets from checking, savings, and retirement ...
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!

Address

2591 Dallas Pkwy, Suite 300
Frisco, TX
75034

Telephone

+14696009575

Website

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