Birchtree Mortgage Inc.

04/08/2026

The homebuying journey can feel overwhelming at first, but it’s much more manageable when you break it down step by step. Having the right guidance along the way makes all the difference in keeping things smooth and stress-free. I’m here to help you understand your options, stay on track, and feel confident from start to finish. No matter where you are in the process, you don’t have to figure it out on your own. Send me a message and let’s get you started

01/04/2026

Jerome Powell often says that the Fed is "data dependent". Well, the latest data clearly showed both a slowing job market and easing inflation rates. The December Fed rate cut now looks well-justified, but the market remains skeptical that the Fed will cut again on January 28.

National news and local views for the week

12/12/2025

The Fed cut short-term interest rates for the 3rd time in 2025, admitted that the BLS jobs numbers were probably "overstated", and announced the resumption of short-term asset purchases - all good news for bond yields (and by extension, mortgage rates).

National news and local views for the week

10/27/2025

Sharing a recent client review that made my day ⭐️⭐️⭐️⭐️⭐️

“Mike Richton at Birchtree Mortgage was recommended to me during my home search, and I couldn’t be happier I reached out. He made the process simple and stress-free — taking the time to explain every step, always staying responsive, and securing a great rate.

I couldn’t have asked for a better mortgage experience!”

Helping clients feel confident and cared for every step of the way is what it’s all about.

10/25/2025

The market is still competitive, but there are smart moves you can make to position yourself ahead of the pack. At Birchtree Mortgage we’re focused not just on rates—but strategy.

Whether you’re buying your first home or your next one, understanding your loan options, timeline, and purchase flexibility can give you the edge.

Let’s talk about:
✔️ Which loan types fit your goals
✔️ How your timeline impacts your offer strength
✔️ Tips to keep your financing clean and simple

Message me today and we’ll make sure you’re ready—not just approved.

10/20/2025

In the absence of new data (due to the gov't shutdown), the bond market focused on Jerome Powell's comments that QT (quantitative tightening) could be ending soon. The yield on the 10-year US treasury bond moved below the psychologically important 4% level, which suggests that average 30-yr mortgage rates could break below 6% if historical mortgage spreads hold.

National news and local views for the week

10/08/2025

Refinancing can be stressful — but it doesn’t have to be.

I recently helped a client refinance their mortgage, and here’s what they shared after closing:

“Mike was incredibly supportive and helpful throughout my refinance. His communication was timely and clear every step of the way — even when things got complicated. I fully trusted his expertise and would highly recommend Birchtree Mortgage.”

What I loved most about this one is that it shows the power of personal service. I don’t pass clients off to a team — I handle every step myself, from our first conversation to the final closing call. That hands-on approach gives my clients peace of mind and keeps the process smooth, even when things get complex.

If you’re wondering whether a refinance makes sense for you, I’m happy to take a look and give you an honest opinion.

10/01/2025

From June to July, U.S. home values slipped 0.2% before seasonal adjustment and 0.1% after adjusting for seasonality. Compared to a year ago, prices are still up 1.7%.

From June to July, U.S. home values slipped 0.2% before seasonal adjustment and 0.1% after adjusting for seasonality. Compared to a year ago, prices are still up 1.7%.

09/26/2025

The Fed cuts rates and mortgage rates go up? That’s counterintuitive, isn’t it? Well, yes, it would be, if it were true. But it isn’t. Markets anticipate change, and the bond markets had already priced in multiple Fed rate cuts well in advance of the actual Fed meeting.

National news and local views for the week

09/12/2025

The BLS jobs report showed that the US added just 22K jobs in August, and the figure for June was revised to a negative number! This convinced the market that at least 2, and maybe 3, Fed rate cuts will happen before year-end. Average mortgage rates plunged in response.

National news and local views for the week

08/20/2025

Birchtree Mortgage is proud to call Hingham home (yes, right above Peel Pizza 🍕), but our reach goes well beyond the South Shore. We serve clients across Massachusetts, the Cape, and the Islands — making the mortgage process simple no matter where you plant your roots.

07/23/2025

Your credit score helps lenders see how you've handled debt in the past; the higher your score, the lower the interest rate on your mortgage might be. So, as you can imagine, it's good to raise your score in preparation for applying for a loan. Send me a message for more tips to help get your finances in good shape for a mortgage