YLM Financial

YLM Financial NMLS # 1661883
We are an experienced mortgage brokerage designed to help families build a legacy through homeownership.

We provide a variety of mortgage products in both Nevada and Texas. We educate and empower homebuyers to buy with confidence! You've heard the horror stories...how hard it is to qualify, not to mention the fighting, shopping, and haggling to get a good rate. We've got great news...When you're ready, the next step in getting a low rate mortgage made easy is to contact us so we can review your unique situation and make sure that you get a low rate mortgage without the stress and hassle.

๐Ÿค” ๐—ช๐—ต๐˜† ๐—ป๐—ผ๐˜ ๐˜„๐—ฎ๐—ถ๐˜ ๐—ณ๐—ผ๐—ฟ ๐—ต๐—ผ๐—บ๐—ฒ ๐—ฝ๐—ฟ๐—ถ๐—ฐ๐—ฒ๐˜€ ๐˜๐—ผ ๐—ฑ๐—ฟ๐—ผ๐—ฝ ๐—ฏ๐—ฒ๐—ณ๐—ผ๐—ฟ๐—ฒ ๐—ฏ๐˜‚๐˜†๐—ถ๐—ป๐—ด ๐—ฎ ๐—ต๐—ผ๐—บ๐—ฒ?Because you might just be waiting... and waiting... and wait...
03/28/2025

๐Ÿค” ๐—ช๐—ต๐˜† ๐—ป๐—ผ๐˜ ๐˜„๐—ฎ๐—ถ๐˜ ๐—ณ๐—ผ๐—ฟ ๐—ต๐—ผ๐—บ๐—ฒ ๐—ฝ๐—ฟ๐—ถ๐—ฐ๐—ฒ๐˜€ ๐˜๐—ผ ๐—ฑ๐—ฟ๐—ผ๐—ฝ ๐—ฏ๐—ฒ๐—ณ๐—ผ๐—ฟ๐—ฒ ๐—ฏ๐˜‚๐˜†๐—ถ๐—ป๐—ด ๐—ฎ ๐—ต๐—ผ๐—บ๐—ฒ?
Because you might just be waiting... and waiting... and waiting.

๐Ÿ‘‰ Remember when everyone said home prices would crash in 2022... 2023... 2024?
Yeah, about that. Prices have actually gone upโ€”again and again.

๐Ÿšจ ๐—ง๐—ต๐—ฒ ๐—ด๐—ผ๐—ผ๐—ฑ ๐—ป๐—ฒ๐˜„๐˜€ ๐—ถ๐˜€ ๐˜๐—ต๐—ฎ๐˜ ๐—ก๐—ข๐—ช ๐—ถ๐˜€ ๐˜€๐˜๐—ถ๐—น๐—น ๐—ฎ ๐—ด๐—ฟ๐—ฒ๐—ฎ๐˜ ๐˜๐—ถ๐—บ๐—ฒ ๐˜๐—ผ ๐—ฏ๐˜‚๐˜† ๐—ฎ ๐—ต๐—ผ๐—บ๐—ฒ! ๐Ÿšจ

If youโ€™re holding out for 5% rates and cheaper home prices, you might be holding out forever. Right now, weโ€™ve got steady mortgage rates and improving inventoryโ€”but it wonโ€™t stay this way for long.

๐—œ๐—ณ ๐˜†๐—ผ๐˜‚'๐—ฑ ๐—น๐—ถ๐—ธ๐—ฒ ๐˜๐—ผ ๐˜๐—ฎ๐—น๐—ธ ๐—ฎ๐—ฏ๐—ผ๐˜‚๐˜ ๐—ด๐—ฒ๐˜๐˜๐—ถ๐—ป๐—ด ๐—ฝ๐—ฟ๐—ฒ๐—พ๐˜‚๐—ฎ๐—น๐—ถ๐—ณ๐—ถ๐—ฒ๐—ฑ ๐˜๐—ผ ๐—ฝ๐˜‚๐—ฟ๐—ฐ๐—ต๐—ฎ๐˜€๐—ฒ ๐—ฎ ๐—ป๐—ฒ๐˜„ ๐—ต๐—ผ๐—บ๐—ฒ ๐—ผ๐—ฟ ๐—ณ๐—ถ๐—ป๐—ฑ ๐—ผ๐˜‚๐˜ ๐˜„๐—ต๐—ฎ๐˜ ๐˜†๐—ผ๐˜‚ ๐—ฐ๐—ฎ๐—ป ๐—ฎ๐—ณ๐—ณ๐—ผ๐—ฟ๐—ฑ, ๐—ณ๐—ฒ๐—ฒ๐—น ๐—ณ๐—ฟ๐—ฒ๐—ฒ ๐˜๐—ผ ๐—ฟ๐—ฒ๐—ฎ๐—ฐ๐—ต ๐—ผ๐˜‚๐˜ ๐˜๐—ผ ๐—บ๐—ฒ ๐—ฎ๐—ป๐˜†๐˜๐—ถ๐—บ๐—ฒ. I'm here to help and happy to answer any questions. ๐Ÿ™‚

๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐—ช๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐— ๐—ฎ๐—ฟ๐—ฐ๐—ต ๐Ÿฎ๐Ÿฐ, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฑ๐—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—ฆ๐—น๐—ถ๐—ด๐—ต๐˜ ๐—ถ๐—บ๐—ฝ๐—ฟ๐—ผ๐˜ƒ๐—ฒ๐—บ๐—ฒ๐—ป๐˜ ๐Ÿ‘Mortgage rates did improve last week,...
03/24/2025

๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐—ช๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐— ๐—ฎ๐—ฟ๐—ฐ๐—ต ๐Ÿฎ๐Ÿฐ, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฑ

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—ฆ๐—น๐—ถ๐—ด๐—ต๐˜ ๐—ถ๐—บ๐—ฝ๐—ฟ๐—ผ๐˜ƒ๐—ฒ๐—บ๐—ฒ๐—ป๐˜ ๐Ÿ‘
Mortgage rates did improve last week, although not by much. Rates started the week off a bit worse, but improved following the Fed meeting and Fed Chair Powell's press conference. The Fed kept its policy rate unchanged, but a majority of Fed members still forecast two policy rate cuts this year. Mortgage rates were helped by the Fed's outlook that the economy could be weaker this year than previously thought. A weak economy helps keep rates low or move them lower.

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—บ๐—ผ๐˜ƒ๐—ฒ ๐—ต๐—ถ๐—ด๐—ต๐—ฒ๐—ฟ ๐Ÿ‘Ž
After improving last week, we could see mortgage rates creep higher this week as concerns ease over tariffs taking effect in April. The Fed's favored gauge of inflation, the PCE price index, comes out on Friday and could help rates end the week. It is not likely weโ€™ll see rates improve much, if at all, this week.

๐—ช๐—ต๐—ฎ๐˜'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:
- Economic data: Fourth quarter GDP data comes out Thursday, but it's Friday's PCE price index inflation data that will have the biggest influence over mortgage rates this week.
- Tariffs: Markets are optimistic that President Trump's tariffs taking effect April 2nd will be more targeted and less of a drag on the economy.

๐Ÿ  If you've been thinking about buying a home, and wondering if you can afford it, we should talk!
03/17/2025

๐Ÿ  If you've been thinking about buying a home, and wondering if you can afford it, we should talk!

๐Ÿก ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐—ช๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐— ๐—ฎ๐—ฟ๐—ฐ๐—ต ๐Ÿญ๐Ÿณ, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฑ๐—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˜‚๐—ป๐—ฐ๐—ต๐—ฎ๐—ป๐—ด๐—ฒ๐—ฑ ๐Ÿ‘Other than some small day-to-day movem...
03/17/2025

๐Ÿก ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐—ช๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐— ๐—ฎ๐—ฟ๐—ฐ๐—ต ๐Ÿญ๐Ÿณ, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฑ

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˜‚๐—ป๐—ฐ๐—ต๐—ฎ๐—ป๐—ด๐—ฒ๐—ฑ ๐Ÿ‘
Other than some small day-to-day movements, rates were basically unchanged last week. Despite concerns that the Trump administration's implementation of tariffs would drive inflation, there are no signs of that yet as consumer prices rose at the slowest pace in four months. Lower inflation than was forecast helped keep mortgage rates steady for the week.

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—ฏ๐—ฒ ๐˜ƒ๐—ผ๐—น๐—ฎ๐˜๐—ถ๐—น๐—ฒ โš ๏ธ
Although this week lacks significant economic data, the Fed meeting and Fed Chair Powell's press conference will take center stage. While a policy rate change is unlikely, Fed members will provide forecasts on future rate movements. The outcome of the meeting could lead to volatility in mortgage rates.

๐Ÿ“ˆ ๐—ช๐—ต๐—ฎ๐˜'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:
- The Fed: Markets are looking for assurances that the Fed will take action and cut its policy rate if signs of economic slowdown or labor market weakness emerge. However, if Powell and the Fed don't assure markets, we could see rates creep higher to end the week.
- Fed Chair Powell's Press Conference: Powell will hold a press conference following the Fed meeting, which often leads to market volatility and potential rate fluctuations.

๐Ÿก ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐—ช๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐— ๐—ฎ๐—ฟ๐—ฐ๐—ต ๐Ÿญ๐Ÿฌ, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฑ๐—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˜‚๐—ป๐—ฐ๐—ต๐—ฎ๐—ป๐—ด๐—ฒ๐—ฑ๐Ÿ‘Although mortgage rates didn't improve ...
03/10/2025

๐Ÿก ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐—ช๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐— ๐—ฎ๐—ฟ๐—ฐ๐—ต ๐Ÿญ๐Ÿฌ, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฑ

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˜‚๐—ป๐—ฐ๐—ต๐—ฎ๐—ป๐—ด๐—ฒ๐—ฑ๐Ÿ‘
Although mortgage rates didn't improve for an eighth week in a row, they did hold steady. Friday's jobs data showed some weakness in the labor market, helping rates open a bit better, but comments from Fed Chair Jerome Powell later in the day that the economy was in a good place and the Fed was "well positioned to wait for greater clarity," caused rates to end the week unchanged.

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—ถ๐—บ๐—ฝ๐—ฟ๐—ผ๐˜ƒ๐—ฒ ๐—ณ๐˜‚๐—ฟ๐˜๐—ต๐—ฒ๐—ฟ ๐Ÿ‘
This week begins with market concerns about a potential economic and labor market slowdown, with some even mentioning the word "recession." However, it is still too early to determine if that will happen. Inflation data, along with other economic and labor market reports, will influence interest rates in the coming days.

๐Ÿ“ˆ ๐—ช๐—ต๐—ฎ๐˜'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:
- Jobs data: The Job Openings and Labor Turnover Survey will be released this week, and if the data points to a weakening labor market, it could help rates improve.
- Inflation data: The consumer price index report will come out on Wednesday, and wholesale inflation data will come out on Thursday. Falling inflation could help rates improve, but higher inflation could push rates higher for a few days.

๐Ÿก ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐—ช๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐— ๐—ฎ๐—ฟ๐—ฐ๐—ต ๐Ÿฏ, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฑ๐—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˜€๐—น๐—ถ๐—ด๐—ต๐˜๐—น๐˜† ๐—ฏ๐—ฒ๐˜๐˜๐—ฒ๐—ฟ ๐Ÿ‘Mortgage rates once again moved l...
03/03/2025

๐Ÿก ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐—ช๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐— ๐—ฎ๐—ฟ๐—ฐ๐—ต ๐Ÿฏ, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฑ

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˜€๐—น๐—ถ๐—ด๐—ต๐˜๐—น๐˜† ๐—ฏ๐—ฒ๐˜๐˜๐—ฒ๐—ฟ ๐Ÿ‘
Mortgage rates once again moved lower last week, and similar to previous weeks the moves weren't large but were consistent. A string of recent data showing economic activity is slowing and consumer spending is falling has helped mortgage rates fall to the best levels of the year, although still much higher than last September.

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—ถ๐—บ๐—ฝ๐—ฟ๐—ผ๐˜ƒ๐—ฒ ๐—ณ๐˜‚๐—ฟ๐˜๐—ต๐—ฒ๐—ฟ ๐Ÿ‘
This week brings a few economic reports, but more importantly, it will bring January's jobs data. Signs of labor market weakening, on top of the economic weakness we've seen recently, could help mortgage rates continue lower. If rates do move lower, it will likely continue at a slow and steady pace, as we've seen in the past few weeks.

๐Ÿ“ˆ ๐—ช๐—ต๐—ฎ๐˜'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:
-Jobs data: Multiple reports this week about jobs and unemployment, although the Job Openings and Labor Turnover Survey will not be released until next week. Friday's BLS jobs data will have the biggest effect on mortgage rates to end the week.
-Market momentum: Markets have grown less optimistic about the economy, and concerns are rising that tariffs taking effect this week will bring about retaliatory actions from other countries.

โš ๏ธ ๐—›๐—ฒ๐—ฟ๐—ฒ'๐˜€ ๐—ฎ ๐˜„๐—ฎ๐—ฟ๐—ป๐—ถ๐—ป๐—ด ๐—ฎ๐—ฏ๐—ผ๐˜‚๐˜ ๐˜๐—ต๐—ผ๐˜€๐—ฒ ๐—ผ๐—ป๐—น๐—ถ๐—ป๐—ฒ ๐—น๐—ฒ๐—ป๐—ฑ๐—ฒ๐—ฟ๐˜€... ๐˜๐—ต๐—ฒ๐˜† ๐—ฎ๐—ฟ๐—ฒ๐—ป'๐˜ ๐—ฎ๐—น๐˜„๐—ฎ๐˜†๐˜€ ๐—ฎ๐˜€ ๐—ด๐—ผ๐—ผ๐—ฑ ๐—ฎ๐˜€ ๐—ฎ๐—ฑ๐˜ƒ๐—ฒ๐—ฟ๐˜๐—ถ๐˜€๐—ฒ๐—ฑ.Who's going to answer your qu...
02/28/2025

โš ๏ธ ๐—›๐—ฒ๐—ฟ๐—ฒ'๐˜€ ๐—ฎ ๐˜„๐—ฎ๐—ฟ๐—ป๐—ถ๐—ป๐—ด ๐—ฎ๐—ฏ๐—ผ๐˜‚๐˜ ๐˜๐—ต๐—ผ๐˜€๐—ฒ ๐—ผ๐—ป๐—น๐—ถ๐—ป๐—ฒ ๐—น๐—ฒ๐—ป๐—ฑ๐—ฒ๐—ฟ๐˜€... ๐˜๐—ต๐—ฒ๐˜† ๐—ฎ๐—ฟ๐—ฒ๐—ป'๐˜ ๐—ฎ๐—น๐˜„๐—ฎ๐˜†๐˜€ ๐—ฎ๐˜€ ๐—ด๐—ผ๐—ผ๐—ฑ ๐—ฎ๐˜€ ๐—ฎ๐—ฑ๐˜ƒ๐—ฒ๐—ฟ๐˜๐—ถ๐˜€๐—ฒ๐—ฑ.

Who's going to answer your questions... help you get a low rate... make sure you've taken advantage of any special programs available to you? ๐Ÿค”

๐Ÿ‘ As a local mortgage professional, I'm available to talk when it is convenient for you and not just during "business" hours. You won't get a different person every time you call, instead I'll know your unique situation and how to help you get the most house for your money.

๐—ฌ๐—ผ๐˜‚'๐—น๐—น ๐—ฏ๐—ฒ ๐—ฎ๐—ฏ๐—น๐—ฒ ๐˜๐—ผ ๐˜๐—ฒ๐˜…๐˜ ๐—บ๐—ฒ ๐—น๐—ถ๐—ธ๐—ฒ ๐˜„๐—ฒ'๐—ฟ๐—ฒ ๐—ฏ๐—ฒ๐˜€๐˜๐—ถ๐—ฒ๐˜€, ๐—ฒ๐—บ๐—ฎ๐—ถ๐—น ๐—บ๐—ฒ ๐—ถ๐—ณ ๐˜๐—ต๐—ฎ๐˜'๐˜€ ๐˜„๐—ต๐—ฎ๐˜ ๐˜†๐—ผ๐˜‚ ๐—ฝ๐—ฟ๐—ฒ๐—ณ๐—ฒ๐—ฟ, ๐—ฐ๐—ฎ๐—น๐—น ๐—บ๐—ฒ ๐˜๐—ผ ๐˜๐—ฎ๐—น๐—ธ ๐—ฝ๐—ฎ๐˜†๐—บ๐—ฒ๐—ป๐˜, ๐—ผ๐—ฟ ๐—ฒ๐˜ƒ๐—ฒ๐—ป ๐˜๐—ผ ๐—บ๐—ฒ๐—ฒ๐˜ ๐—ณ๐—ฎ๐—ฐ๐—ฒ-๐˜๐—ผ-๐—ณ๐—ฎ๐—ฐ๐—ฒ ๐—ถ๐—ณ ๐˜†๐—ผ๐˜‚ ๐—น๐—ถ๐—ธ๐—ฒ.

Don't worry, I have lots of technology at my fingertips to make the process convenient, but I'll still give you the personal attention that will let you sleep at night knowing someone is looking out for you and making sure everything goes according to plan.

๐—ง๐—ต๐—ฒ ๐—ฏ๐—ฒ๐˜€๐˜ ๐—ฝ๐—ฎ๐—ฟ๐˜ ๐—ถ๐˜€ ๐—บ๐˜† ๐—ฐ๐—น๐—ถ๐—ฒ๐—ป๐˜๐˜€ ๐˜‚๐˜€๐˜‚๐—ฎ๐—น๐—น๐˜† ๐—ด๐—ฒ๐˜ ๐—ฎ ๐—ฏ๐—ฒ๐˜๐˜๐—ฒ๐—ฟ ๐—ฟ๐—ฎ๐˜๐—ฒ ๐˜„๐—ผ๐—ฟ๐—ธ๐—ถ๐—ป๐—ด ๐˜„๐—ถ๐˜๐—ต ๐—บ๐—ฒ ๐˜๐—ต๐—ฎ๐—ป ๐˜๐—ต๐—ฒ๐˜† ๐˜„๐—ผ๐˜‚๐—น๐—ฑ ๐—ต๐—ฎ๐˜ƒ๐—ฒ ๐˜„๐—ผ๐—ฟ๐—ธ๐—ถ๐—ป๐—ด ๐˜„๐—ถ๐˜๐—ต ๐˜๐—ต๐—ฒ ๐—ฏ๐—ถ๐—ด ๐—ฏ๐—ฎ๐—ป๐—ธ๐˜€ ๐—ผ๐—ฟ "๐—ท๐˜‚๐˜€๐˜ ๐—ฎ ๐—ป๐˜‚๐—บ๐—ฏ๐—ฒ๐—ฟ" ๐—ผ๐—ป๐—น๐—ถ๐—ป๐—ฒ ๐—น๐—ฒ๐—ป๐—ฑ๐—ฒ๐—ฟ๐˜€.

๐Ÿ‘‰ ๐—š๐—ถ๐˜ƒ๐—ฒ ๐—บ๐—ฒ ๐—ฎ ๐—ฐ๐—ฎ๐—น๐—น, ๐˜๐—ฒ๐˜…๐˜, ๐—ผ๐—ฟ ๐—ฒ๐—บ๐—ฎ๐—ถ๐—น ๐˜๐—ผ๐—ฑ๐—ฎ๐˜† so we can find out what mortgage works best for you.I look forward to talking soon!

๐Ÿก ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐—ช๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐—™๐—ฒ๐—ฏ๐—ฟ๐˜‚๐—ฎ๐—ฟ๐˜† ๐Ÿฎ๐Ÿฐ, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฑ๐—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˜€๐—น๐—ถ๐—ด๐—ต๐˜๐—น๐˜† ๐—ฏ๐—ฒ๐˜๐˜๐—ฒ๐—ฟ ๐Ÿ‘Rates continued to creep slig...
02/24/2025

๐Ÿก ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐—ช๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐—™๐—ฒ๐—ฏ๐—ฟ๐˜‚๐—ฎ๐—ฟ๐˜† ๐Ÿฎ๐Ÿฐ, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฑ

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˜€๐—น๐—ถ๐—ด๐—ต๐˜๐—น๐˜† ๐—ฏ๐—ฒ๐˜๐˜๐—ฒ๐—ฟ ๐Ÿ‘
Rates continued to creep slightly lower last week, despite it being a short week with little in the way of economic data. It is important to note though that most of the improvement is in rebate pricing, the credit your lender gives towards costs or a reduced cost for choosing a lower rate (less paid in points). Rates themselves have not moved much lower.

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—ถ๐—บ๐—ฝ๐—ฟ๐—ผ๐˜ƒ๐—ฒ ๐—ณ๐˜‚๐—ฟ๐˜๐—ต๐—ฒ๐—ฟ ๐Ÿ‘
Mortgage rates have the potential to improve this week, particularly if current market trends persist. Concerns about tariffs and inflation have eased, allowing rates to stabilize after previous increases earlier in the year. However, after seeing rates improve the last couple of weeks, we could be due for a slight turnaround.

๐Ÿ“ˆ ๐—ช๐—ต๐—ฎ๐˜'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:
- Inflation data: This week brings the Fed's favored gauge of inflation, the personal consumption expenditure report. Released on Friday, the data could help rates improve or worsen at the end of the week depending on if inflation increases.
- Market momentum: Markets have grown much less concerned over the effect of tariffs, and bond yields have improved because of it, which helps mortgage rates move lower over time.

๐Ÿšจ ๐——๐—ผ๐—ป'๐˜ ๐—น๐—ฒ๐˜ ๐˜๐—ต๐—ผ๐˜€๐—ฒ ๐—ผ๐—ป๐—น๐—ถ๐—ป๐—ฒ ๐—ฎ๐—ฑ๐˜€ ๐—ณ๐—ผ๐—ผ๐—น ๐˜†๐—ผ๐˜‚ ๐Ÿ˜ฒMany online ads are still advertising rates that are simply not attainable just t...
02/21/2025

๐Ÿšจ ๐——๐—ผ๐—ป'๐˜ ๐—น๐—ฒ๐˜ ๐˜๐—ต๐—ผ๐˜€๐—ฒ ๐—ผ๐—ป๐—น๐—ถ๐—ป๐—ฒ ๐—ฎ๐—ฑ๐˜€ ๐—ณ๐—ผ๐—ผ๐—น ๐˜†๐—ผ๐˜‚ ๐Ÿ˜ฒ

Many online ads are still advertising rates that are simply not attainable just to get you to contact them, but they can't really close you at that rate (this is often called bait-and-switch). ๐Ÿ˜ก

These ads can make you question if you're getting a good rate with your local mortgage professional, or if you should be looking elsewhere.
๐Ÿ‘‰ ๐——๐—ผ๐—ป'๐˜ ๐—น๐—ฒ๐˜ ๐˜๐—ต๐—ฒ๐—บ ๐—บ๐—ฎ๐—ธ๐—ฒ ๐˜†๐—ผ๐˜‚ ๐—พ๐˜‚๐—ฒ๐˜€๐˜๐—ถ๐—ผ๐—ป ๐˜†๐—ผ๐˜‚๐—ฟ๐˜€๐—ฒ๐—น๐—ณ.

When ๐—œ'๐—บ ๐—พ๐˜‚๐—ผ๐˜๐—ถ๐—ป๐—ด ๐˜†๐—ผ๐˜‚ ๐—ฎ๐—ป ๐—ถ๐—ป๐˜๐—ฒ๐—ฟ๐—ฒ๐˜€๐˜ ๐—ฟ๐—ฎ๐˜๐—ฒ, ๐˜†๐—ผ๐˜‚ ๐—ฐ๐—ฎ๐—ป ๐—ฐ๐—ผ๐˜‚๐—ป๐˜ ๐—ผ๐—ป ๐—ถ๐˜ ๐—ฏ๐—ฒ๐—ถ๐—ป๐—ด ๐—ฎ๐˜๐˜๐—ฎ๐—ถ๐—ป๐—ฎ๐—ฏ๐—น๐—ฒ ๐—ฎ๐—ป๐—ฑ ๐—ฏ๐—ฒ๐—ถ๐—ป๐—ด ๐—ฎ great ๐—ฟ๐—ฎ๐˜๐—ฒ ๐—ณ๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐—ฐ๐˜‚๐—ฟ๐—ฟ๐—ฒ๐—ป๐˜ ๐—ฟ๐—ฎ๐˜๐—ฒ ๐—ฒ๐—ป๐˜ƒ๐—ถ๐—ฟ๐—ผ๐—ป๐—บ๐—ฒ๐—ป๐˜. You don't have to fear you'll overpay or be taken advantage of when you work with me, and you can be assured that the rates I quote you are not bait-and-switch rates like these online ads.

โœ… ๐—œ๐—ณ ๐˜†๐—ผ๐˜‚ ๐˜„๐—ฎ๐—ป๐˜ ๐˜๐—ผ ๐˜๐—ฎ๐—น๐—ธ ๐—บ๐—ผ๐—ฟ๐—ฒ ๐—ฎ๐—ฏ๐—ผ๐˜‚๐˜ ๐˜„๐—ต๐—ฎ๐˜ ๐—ฟ๐—ฎ๐˜๐—ฒ๐˜€ ๐˜„๐—ผ๐˜‚๐—น๐—ฑ ๐—น๐—ผ๐—ผ๐—ธ ๐—น๐—ถ๐—ธ๐—ฒ ๐—ณ๐—ผ๐—ฟ ๐˜†๐—ผ๐˜‚ ๐—ถ๐—ณ ๐˜†๐—ผ๐˜‚'๐—ฟ๐—ฒ ๐—ถ๐—ป๐˜๐—ฒ๐—ฟ๐—ฒ๐˜€๐˜๐—ฒ๐—ฑ ๐—ถ๐—ป ๐—ฟ๐—ฒ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ป๐—ด, ๐—ผ๐—ฟ ๐—ถ๐—ณ ๐˜†๐—ผ๐˜‚'๐—ฟ๐—ฒ ๐—ผ๐˜‚๐˜ ๐˜๐—ต๐—ฒ๐—ฟ๐—ฒ ๐—น๐—ผ๐—ผ๐—ธ๐—ถ๐—ป๐—ด ๐˜๐—ผ ๐—ฏ๐˜‚๐˜† ๐—ฎ ๐—ต๐—ผ๐—บ๐—ฒ, ๐—ท๐˜‚๐˜€๐˜ ๐—น๐—ฒ๐˜ ๐—บ๐—ฒ ๐—ธ๐—ป๐—ผ๐˜„. I'd be glad to run the numbers for you and to talk about how we can get you a great rate... just maybe not as low as the liar ads you see online.

๐Ÿก ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐—ช๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐—™๐—ฒ๐—ฏ๐—ฟ๐˜‚๐—ฎ๐—ฟ๐˜† ๐Ÿญ๐Ÿณ, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฑ๐—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˜€๐—น๐—ถ๐—ด๐—ต๐˜๐—น๐˜† ๐—ถ๐—บ๐—ฝ๐—ฟ๐—ผ๐˜ƒ๐—ฒ๐—ฑ ๐Ÿ‘Rates last week were volati...
02/17/2025

๐Ÿก ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐—ช๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐—™๐—ฒ๐—ฏ๐—ฟ๐˜‚๐—ฎ๐—ฟ๐˜† ๐Ÿญ๐Ÿณ, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฑ

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˜€๐—น๐—ถ๐—ด๐—ต๐˜๐—น๐˜† ๐—ถ๐—บ๐—ฝ๐—ฟ๐—ผ๐˜ƒ๐—ฒ๐—ฑ ๐Ÿ‘
Rates last week were volatile day-to-day, moving higher midweek when consumer inflation data came out showing inflation for January was higher than expected. By week's end, however, rates had recovered and after weak retail sales data on Friday ended the week slightly better.

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—น๐—ถ๐—ธ๐—ฒ๐—น๐˜† ๐˜๐—ผ ๐—ฏ๐—ฒ ๐˜€๐˜๐—ฎ๐—ฏ๐—น๐—ฒ ๐Ÿ‘
This week is light on economic data, as well as a short week with markets closed for Presidents Day, which makes it likely that rates will not move much. There may be some day-to-day movement, but unless there is a surprise event, rates will likely end the week relatively unchanged.

๐Ÿ“ˆ ๐—ช๐—ต๐—ฎ๐˜'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:
- Presidents Day: Markets will be closed on Monday, and rates won't change.
- Tariffs: Although many proposed tariffs have been postponed, continued concerns from traders could play at least a small role in mortgage rates for the week.
- The Fed: Markets are still contemplating the potential for Fed rate cuts later this year, and the minutes from the last Fed meeting will be released this week. However, Fed rate cut expectations will only play a small role in mortgage rates this week.

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