Family Team Leahy - Mortgage Broker NMLS 1449506

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Family Team Leahy - Mortgage Broker NMLS 1449506

Family Team Leahy - We treat clients like family!

Ryan Leahy NMLS 1449506
Laurie Baker NMLS 1734365
Providing opportunities for low rates, hassle free mortgages for buying or refinancing a home throughout CO & CA 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 c

ontact us so we can review your unique situation and make sure that you get a low rate mortgage without the stress and hassle.

08/05/2026

Getting your offer accepted is exciting... but you're not at the finish line yet.

Sometimes you can accidentally create delays or even lose the deal...

Common mistakes include:
• Opening a new credit card
• Financing furniture or a car
• Changing jobs
• Moving large amounts of money between accounts
• Making big cash deposits
• Waiting too long to send requested documents

The good news? Almost all of these can be avoided with a quick conversation before you make a financial move. Save this post so you know what to avoid, message me if you have any questions, and send it to someone who's buying a home this year.

08/03/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗔𝘂𝗴𝘂𝘀𝘁 𝟯, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Mortgage rates were volatile last week, improving through the middle of the week before jumping on Friday to end slightly higher.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗶𝗺𝗽𝗿𝗼𝘃𝗲 👍
Rates are starting the week a little better, reflecting a drop in oil prices and speculation that the Strait of Hormuz could reopen soon. Labor data this week could play a role in daily mortgage pricing, with Friday's BLS jobs report expected to have the biggest effect. Rates could improve this week, but don't expect any big moves.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
• Oil prices: Oil prices continue to be a major driver of mortgage bonds, which lenders use to determine mortgage rates, and can push rates higher or lower.
• Labor data: This week brings a different labor report each day, although many will play only a small role in mortgage rates. Friday's BLS jobs report is the one to watch and could have the biggest effect. If it shows the labor market weakened in July, mortgage rates could improve.
• The Fed: Mortgage rates continue to reflect the possibility of a Fed rate hike at September's meeting. If markets become more confident a hike won't be needed to fight inflation, mortgage rates could improve a bit.

07/29/2026

𝗗𝗼𝗻'𝘁 𝗹𝗲𝘁 𝗷𝘂𝘀𝘁 𝗴𝗲𝘁𝘁𝗶𝗻𝗴 '𝗽𝗿𝗲𝗾𝘂𝗮𝗹𝗶𝗳𝗶𝗲𝗱' 𝗰𝗼𝘀𝘁 𝘆𝗼𝘂 𝘆𝗼𝘂𝗿 𝗰𝗵𝗮𝗻𝗰𝗲 𝗮𝘁 𝗮 𝗵𝗼𝗺𝗲!

𝗜𝗻𝘀𝘁𝗲𝗮𝗱, 𝘆𝗼𝘂 𝗺𝗮𝘆 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝘄𝗮𝗻𝘁 𝘁𝗼 𝗴𝗲𝘁 𝗽𝗿𝗲𝗮𝗽𝗽𝗿𝗼𝘃𝗲𝗱.

What is the difference? 🤔

👉 Getting prequalified is the process of providing a mortgage lender with some background information like your credit, income, and expenses so the lender can help you determine how much you can afford and what you are likely to qualify for.

👉 A preapproval, however, means you've provided the lender with proof of your income and assets and had a credit check to determine exactly how much you can be approved for. In some cases, a preapproval can show you are approved for a loan before making an offer, which makes your offer stronger and could help you win a bidding war.

𝗪𝗵𝗶𝗰𝗵 𝗼𝗻𝗲 𝗶𝘀 𝗿𝗶𝗴𝗵𝘁 𝗳𝗼𝗿 𝘆𝗼𝘂? 𝗚𝗶𝘃𝗲 𝗺𝗲 𝗮 𝗰𝗮𝗹𝗹 𝗼𝗿 𝗰𝗼𝗻𝘁𝗮𝗰𝘁 𝗺𝗲 𝗱𝗶𝗿𝗲𝗰𝘁, 𝗮𝗻𝗱 𝗜'𝗹𝗹 𝗯𝗲 𝗵𝗮𝗽𝗽𝘆 𝘁𝗼 𝗵𝗲𝗹𝗽 𝘆𝗼𝘂 𝗱𝗲𝗰𝗶𝗱𝗲. 👍

I can provide either one, depending on your unique situation and where you are in the house hunting process. The best part? The conversation is absolutely free, and there's no obligation. 🏡 😁

07/27/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗝𝘂𝗹𝘆 𝟮𝟳, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Mortgage rates moved higher last week, reaching their worst levels of the year for many lenders. Rates were pushed higher by spiking oil prices and speculation that the Fed would hike its policy rate at this week's meeting or at its next meeting in September.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
This week is starting with some optimism that rates could improve, as military strikes in the Middle East have paused and oil prices have fallen. However, it's tough to predict how markets will react to this week's Fed meeting and press conference. Rates could move either way, depending on what happens in the Middle East and how markets respond to the Fed.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
• Oil prices: Oil prices continue to be a major driver of mortgage bonds, which lenders use to determine mortgage rates.
• Fed meeting: The Fed meeting concludes Wednesday afternoon with the Fed's rate decision and policy statement, followed by Fed Chair Kevin Warsh's press conference. Warsh has said he will not provide markets with forward guidance on future Fed actions, leaving traders to interpret his comments, which could create some volatility in mortgage rates.

07/22/2026

Buying a home isn't just about saving for a down payment.

We look at your whole financial picture.

That can include:
• Old credit cards you forgot about
• Late payments
• Personal loans
• Job changes
• Spending habits
• Gift money that isn't documented the right way

None of these automatically mean you'll be denied.

They just mean we may need more information or a different loan option.

That's why it's smart to know where you stand before you start house hunting.

Send me a message, and I'll help you understand what we look at before you apply.

07/20/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗝𝘂𝗹𝘆 𝟮𝟬, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘄𝗲𝗿𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
Mortgage rates worsened early in the week but improved after midweek inflation data showed inflation eased more than expected in June during the ceasefire with Iran, when oil and gas prices fell. Rates ended the week basically unchanged.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝘄𝗼𝗿𝘀𝗲𝗻 👎
There isn't much in the way of economic data to influence mortgage rates this week. Instead, rates are likely to follow oil prices as attacks continue and tensions rise once again in the Middle East. It's tough to see a scenario that leads to mortgage rates improving much this week.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
• Oil prices: Oil prices have not yet risen nearly as high as they were in the months leading up to the ceasefire with Iran, which has helped mortgage rates remain near current levels. If oil prices move higher, rates will likely move higher as well. If military action is halted and negotiations resume, reopening the Strait of Hormuz, it could help oil prices fall again, which would help mortgage rates improve.

07/15/2026

One mistake I see a lot of first-time homebuyers make...

They worry about getting approved instead of making sure the payment fits their life.
Just because you're approved for a certain amount doesn't mean you should spend it all.
Before you buy, try to keep these things in mind:

🏡 Keep your monthly housing payment around 28% of your income.
💰 Have money set aside for emergencies.
🔧 Save a little extra for repairs. Every home needs something eventually.
📅 If you can, plan to stay in the home for at least 5 years.

Buying a home doesn't have to be stressful. A little planning now can make a big difference later.

If we haven't met yet, I'm a mortgage professional who loves helping people understand the home-buying process. If you have questions or just want to know where to start, send me a message. I'd be happy to help.

07/13/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗝𝘂𝗹𝘆 𝟭𝟯, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗿𝗲𝗽𝘁 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Mortgage rates worsened last week as the ceasefire with Iran unexpectedly fell apart and oil prices moved higher, increasing concerns about inflation and making Fed policy rate hikes later this year more likely.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝘄𝗼𝗿𝘀𝗲𝗻 👎
After creeping slightly higher last week, rates could continue to worsen this week, now that the conflict with Iran is back front and center. Inflation will also play a role, with both consumer and wholesale inflation data being released. Lastly, Fed Chair Warsh's biannual testimony before Congress could also affect mortgage rates.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
• Economic data: Consumer and wholesale inflation data could play a role in rates through the middle of the week, along with retail sales and consumer sentiment data later in the week.
• The Fed: Markets will be looking for clues about future Fed rate hikes during Fed Chair Warsh's testimony before Congress. Warsh has been against the Fed providing "forward guidance," so he will likely try to avoid offering any hints.
• Oil prices: Oil prices are on the rise after Iran announced it is closing the Strait of Hormuz once again, putting upward pressure on mortgage rates.

07/08/2026

🚨 Big mistake! 🚨

Once you're under contract, try not to make any big money moves until after you close.

That means:
❌ Don't buy furniture.
❌ Don't finance a new car.
❌ Don't open a new credit card.
❌ Don't co-sign for someone else.

Why?

Your lender may check your credit and finances again right before closing. New debt can change your loan, your monthly payment, or even stop your loan from being approved.

When in doubt, give me a call. A quick phone call can save you a lot of stress.

Closing first. Shopping second. 🏡🛋️

Have questions about what you can (and can't) do before closing? Send me a message; I'm happy to help!

07/06/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗝𝘂𝗹𝘆 𝟲, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Mortgage rates crept up a bit last week, despite Thursday's labor market data coming in weaker than expected, with fewer new jobs created than anticipated. The increase was small and not enough to cause much concern.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗶𝗺𝗽𝗿𝗼𝘃𝗲 👍
This should be a relatively quiet week for mortgage rates. Expect the normal day-to-day movement, but nothing that suggests rates are about to make a big move higher or lower. Rates are likely to stay very close to where they've been over the last couple of weeks.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
• Economic data: After last week's busy calendar, this week is much quieter, with little on the economic calendar and even less that's likely to have any effect on mortgage rates.
• The Fed: Mortgage rates now reflect market expectations that the Fed will hike rates at least once this year, likely as soon as September. If markets begin expecting the Fed to hike sooner, possibly at this month's meeting, it could put a little more upward pressure on mortgage rates. However, that doesn't seem likely.
• Oil prices: Oil prices are back near pre-conflict levels and are not likely to help mortgage rates fall further.

Address

Highlands Ranch, CO
80126

Website

https://www.mottomortgage.com/offices/assist-fort-collins/, http://familyteamleahymortgage.com/

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