Shane LaMacchia, Producing Sales Manager at Bank Five Nine

03/11/2026

Are you getting ready to buy a home? Here are four keys (see what we did there?! :)) to being prepared to make your first offer. https://ow.ly/YsW930sUcY8

03/05/2026

Thinking about building? We’ve got something exciting for you. Check out our new Construction Loan Special – and yes, the rate IS really THAT good 👉 https://ow.ly/fWwI30sU33k.

02/11/2026

If building is in your plans, now is the perfect time! We have an exciting new Construction loan special to share! Connect with us to learn more! https://ow.ly/iPLl50YcUC5

12/11/2025

The Federal Reserve lowered policy rates by 0.25% at its December meeting - the third cut this year. But their latest projections show fewer cuts ahead, with just one expected in 2026 and one in 2027.
So, what does this mean for mortgage rates?

While the Fed doesn’t set mortgage rates, its decisions influence investor behavior. Fewer expected cuts could mean mortgage rates stay higher than many hoped.

If you’ve been waiting for rates to drop, here are some things to consider:
✅ Future cuts may already be priced in, so waiting might not bring big savings.
✅ Rates are unpredictable, influenced by global events and economic data -not just the Fed.
✅ If rates fall later, home prices could rise, making today’s prices a smart move.
✅ Renting? Buying now means building equity sooner.
✅ If you took out a mortgage in the last 3 years, refinancing could save you money -lower your monthly payment or access equity.

Bottom line: If you’re ready to buy, refinance, or tap into home equity, don’t let uncertainty hold you back. We’re here to help, and we’re closing loans every day!

Contact Bank Five Nine Mortgage today to explore your options!

10/01/2025

Ready to get started? Reach out today!

09/11/2025

Markets are eyeing Fed rate cuts this fall. While the Federal Reserve doesn’t set mortgage rates directly, their actions can push them lower. In fact, rates can fall early, in anticipation of Fed decisions.

And for many homeowners, it takes only a small drop to realize meaningful monthly savings.

If rates do fall, the window of opportunity may be short, and you can bet plenty of homeowners will rush to refinance. The best way to take advantage is to prepare now so you can act quickly:
Gather your income and asset documents
Protect your credit score (no new debt and pay down balances)
Consider the potential benefits of consolidating high interest debt for bigger savings

A little preparation can put you ahead of the crowd and in a better position to save money if rates move in your favor.

Let's talk now so you can be first in line if rates fall!

07/23/2025

05/19/2025

When you apply for a mortgage and your credit is pulled, you may start receiving calls or offers from other lenders you never contacted. These are called "mortgage trigger leads" – and they can catch borrowers off guard. What’s happening? Credit bureaus sell your inquiry data to other lenders, allowing them to market mortgage offers to you.

Why it matters: Unwanted calls and emails can be overwhelming and even feel suspicious. While some say these leads offer competitive options, others see them as invasive and confusing. There have been efforts to restrict or ban trigger leads, with some states enacting laws prohibiting their use.

You can opt out!
> Visit https://ow.ly/8K9s30sMAb1
> Register at https://ow.ly/gtsz30sMk2k

At Bank Five Nine, we’re committed to making lives better - including helping you understand the fine print and avoid unnecessary stress during your homebuying journey.

03/25/2025

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