The Hamm Team

40+ Years of Experience
Rick Hamm(NMLS #187346)
Zach Pomeroy(NMLS #1626734)
Nyk Harper(NMLS #2142116)
Equal Housing Lender

06/19/2026

Mortgage Rates Inch Down

Market Update | June 19th, 2026

The 30-year fixed-rate mortgage decreased this week averaging 6.47%. Incoming data continues to reflect a resilient consumer, with retail sales improving and pending home sales strengthening, suggesting purchase demand is continuing to modestly improve.

Chart provided by Freddie Mac. You can view the chart for more context here: https://www.freddiemac.com/pmms

Information provided by Mortgage News Daily You can view the full article for more context here: https://www.mortgagenewsdaily.com/

06/12/2026

Average Mortgage Rates Fluctuate

Market Update | June 12th, 2026

Big news moves markets, including the bond market. Mortgage lenders prefer to set rates only once per day, but they will make mid-day changes if the underlying bond market makes a big enough move. The 30-year fixed-rate mortgage averaged 6.52% this week. Stronger employment momentum has helped existing home sales reach a five-month high. Importantly, homebuyers are looking past the short-term rate fluctuations and actively entering the market, signaling renewed confidence in homeownership opportunities.

Chart provided by Freddie Mac. You can view the chart for more context here: https://www.freddiemac.com/pmms

Information provided by Mortgage News Daily You can view the full article for more context here: https://www.mortgagenewsdaily.com/

05/29/2026

Mortgage Rates Officially Hit Two Week Lows

Market Update | May 28th, 2026

The 30-year fixed-rate mortgage averaged 6.53% this week. Pending home sales have increased three months in a row, indicating there’s latent demand and homebuyers are ready to jump back into the market if mortgage rates decline.

The 30-year fixed-rate mortgage averaged 6.53% as of May 28, 2026, up from last week when it averaged 6.51%. A year ago at this time, the 30-year FRM averaged 6.89%.

The 15-year fixed-rate mortgage averaged 5.87%, up from last week when it averaged 5.85%. A year ago at this time, the 15-year FRM averaged 6.03%.

Chart provided by Freddie Mac. You can view the chart for more context here: https://www.freddiemac.com/pmms

Information provided by Mortgage News Daily You can view the full article for more context here: https://www.mortgagenewsdaily.com/

05/28/2026

Congratulations to our winners of the Chow Down gift bags!

We got to meet many great people and dogs at the Colar of Duty event last weekend.

Collar of Duty was established in 2023 to assist any Veteran in need of a service dog in Mesa County, Colorado. They pair Veterans with dogs, train them, and our goal is for the Veteran to regain a sense of hope.
https://www.collarofduty.org/

Shout out to Chow Down Pet Supply for helping us with the goodies!
https://chowdownpetsupplies.com/

05/22/2026

Mortgage Rates Average 6.51%

Market Update | May 22nd, 2026

After recovering from 9-month highs, it looks like mortgage rates are destined to creep back toward slightly higher levels.

Global news has been impactful on rates recently and when news broke regarding additional progress in the Iran war peace process rates responded with a slight recovery. Much like many similar headlines of late, good news can easily unravel at any time, but the bond market has responded positively enough to erase some recent losses. These sorts of news stories come and go with markets ultimately adjusting as the next set of headlines push the narrative back in the other direction.

On the plus side, lower is lower, and that's a victory. On the other hand, rates are still very close to long-term highs in the bigger picture.

Chart provided by Freddie Mac. You can view the chart for more context here: https://www.freddiemac.com/pmms

Information provided by Mortgage News Daily You can view the full article for more context here: https://www.mortgagenewsdaily.com/

05/15/2026

Mortgage Rates Inched Down... Until Today.

Market Update | May 15th, 2026

Mortgage rates ticked down this week, averaging 6.36%. While purchase demand is softening, it remains above this time last year. Recent data also shows existing-home sales modestly edging up.

As markets opened on Friday, volatility returned in-force and higher rates are likely in store for the coming week.

Chart provided by Freddie Mac. You can view the chart for more context here: https://www.freddiemac.com/pmms

Information provided by Mortgage News Daily You can view the full article for more context here: https://www.mortgagenewsdaily.com/

05/08/2026

Mortgage Rates Average 6.37%

Market Update | May 8th, 2026

The 30 year fixed rate mortgage averaged 6.37% this week. Recent data points to slightly better conditions for buyers with a boost in new-home sales, median new-home prices being down to their lowest level since July 2021, and higher inventory than in recent years. Together, these trends could modestly ease affordability pressures through the spring homebuying season.

The 30-year fixed-rate mortgage averaged 6.37% as of May 7, 2026, up from last week when it averaged 6.30%. A year ago at this time, the 30-year FRM averaged 6.76%.

The 15-year fixed-rate mortgage averaged 5.72%, up from last week when it averaged 5.64%. A year ago at this time, the 15-year FRM averaged 5.89%.

Chart provided by Freddie Mac. You can view the chart for more context here: https://www.freddiemac.com/pmms

Information provided by Mortgage News Daily You can view the full article for more context here: https://www.mortgagenewsdaily.com/

05/01/2026

Mortgage Rates Creep Up

Market Update | May 1st, 2026

The 30-year fixed-rate mortgage averaged 6.30% this week. As rates had modestly declined the last few weeks, purchase demand has accelerated with purchase applications rising to over 20 percent above a year ago. It is clear that purchase demand continues to hold up as prospective buyers react to both modestly lower rates and more inventory to choose from than the last few years.

Chart provided by Freddie Mac. You can view the chart for more context here: https://www.freddiemac.com/pmms

Information provided by Mortgage News Daily You can view the full article for more context here: https://www.mortgagenewsdaily.com/

04/24/2026

The 30-Year Fixed-Rate Mortgage Declines Further

Market Update | April 24th, 2026

The 30-year fixed-rate mortgage declined again this week to 6.23%. Rates currently stand at their lowest level in the last three spring homebuying seasons. This improvement, coupled with a pickup in purchase applications and refinance activity, as well as an increase in monthly pending home sales, underscores signs of improving momentum in the market.

Chart provided by Freddie Mac. You can view the chart for more context here: https://www.freddiemac.com/pmms

Information provided by Mortgage News Daily You can view the full article for more context here: https://www.mortgagenewsdaily.com/

04/17/2026

Mortgage Rates Continue to Decline

Market Update | April 17th, 2026

Mortgage rates declined this week to a four-week low of 6.30%. Compared to one year ago when rates were at 6.83%, this is a meaningful improvement for homebuyers during what is typically the busy spring homebuying season.

Chart provided by Freddie Mac. You can view the chart for more context here: https://www.freddiemac.com/pmms

Information provided by Mortgage News Daily You can view the full article for more context here: https://www.mortgagenewsdaily.com/

Address

215 Colorado Avenue
Grand Junction, CO
81501

Website

https://unifirstlending.com/meet-the-team/

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