What are the opening hours?

Monday 8am - 8pm Tuesday 8am - 8pm Wednesday 8am - 8pm Thursday 8am - 8pm Friday 8am - 8pm Saturday 10am - 6pm Sunday 10am - 6pm

http://www.manuelgonzalezmortgage.com/

Manuel Gonzalez Nmls:346916 Co. Founder, 60 Mountain Boulevard, Hoboken, NJ (2026)

10/05/2021

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗢𝗰𝘁𝗼𝗯𝗲𝗿 𝟰𝘁𝗵, 𝟮𝟬𝟮𝟭

𝗥𝗲𝗰𝗮𝗽 𝗼𝗳 𝗹𝗮𝘀𝘁 𝘄𝗲𝗲𝗸: 𝗥𝗮𝘁𝗲𝘀 𝗿𝗲𝗺𝗮𝗶𝗻 𝗹𝗼𝘄 𝗯𝗮𝘀𝗶𝗰𝗮𝗹𝗹𝘆 𝘂𝗻𝗰𝗵𝗮𝗻𝗴𝗲𝗱 👍
After seeing rates jump the week before, average mortgage rates were up slightly through the middle of last week before improving to end the week basically unchanged. Rates remain low, making it a good time to talk with your mortgage professional about buying a home or refinancing a home you already own.

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 𝘁𝗼 𝗲𝗻𝗱 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 ⚠️
Average mortgage rates this week are likely to be stable through most of the week, but could be volatile on Friday with the release of jobs data. If considering locking your mortgage, be sure to consult with your mortgage professional early in the week.

🗓️ 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Economic data: A quiet week for data, the only real concern is Friday when we get jobs and wages reports that could cause mortgage rates to move. If the jobs report points to labor market strength, it could push rates slightly higher.
- Fed stimulus: The Fed continues to buy Treasuries and mortgage bonds, helping keep mortgage rates low. However, rates could creep up as investors prepare for the Fed to reduce the amount of bonds being purchased, starting in November.

09/30/2021

👍 𝗔𝘀 𝗮 𝗹𝗼𝗰𝗮𝗹 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗽𝗿𝗼𝗳𝗲𝘀𝘀𝗶𝗼𝗻𝗮𝗹, 𝗺𝘆 𝗿𝗲𝗽𝘂𝘁𝗮𝘁𝗶𝗼𝗻 𝗱𝗲𝗽𝗲𝗻𝗱𝘀 𝗼𝗻 𝗽𝗿𝗼𝘃𝗶𝗱𝗶𝗻𝗴 𝗮 𝗯𝗲𝘁𝘁𝗲𝗿 𝗲𝘅𝗽𝗲𝗿𝗶𝗲𝗻𝗰𝗲 𝘁𝗵𝗮𝗻 𝘁𝗵𝗼𝘀𝗲 𝗯𝗶𝗴 𝗯𝗮𝗻𝗸𝘀 𝗮𝗻𝗱 𝗼𝗻𝗹𝗶𝗻𝗲 𝗹𝗲𝗻𝗱𝗲𝗿𝘀.

Getting a mortgage doesn't have to be frustrating and confusing. 😠 If you have the right person guiding you through the process, it can be easy and more convenient! 😀

𝗜𝗳 𝘆𝗼𝘂'𝗿𝗲 𝘁𝗵𝗶𝗻𝗸𝗶𝗻𝗴 𝗮𝗯𝗼𝘂𝘁 𝗯𝘂𝘆𝗶𝗻𝗴 𝗮 𝗵𝗼𝗺𝗲, 𝗼𝗿 𝗿𝗲𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴 𝘁𝗵𝗲 𝗵𝗼𝗺𝗲 𝘆𝗼𝘂 𝗮𝗹𝗿𝗲𝗮𝗱𝘆 𝗼𝘄𝗻, 𝗹𝗲𝘁 𝗺𝗲 𝗯𝗲 𝘆𝗼𝘂𝗿 𝗴𝘂𝗶𝗱𝗲.

There's never any obligation or fees when we talk. I can help you get a great low rate, find out how much home you can comfortably afford, and also help you get pre qualified or pre approved (ask me about the difference!).

I hope to hear from you soon!

09/27/2021

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗦𝗲𝗽𝘁𝗲𝗺𝗯𝗲𝗿 𝟮𝟳, 𝟮𝟬𝟮𝟭

𝗥𝗲𝗰𝗮𝗽 𝗼𝗳 𝗹𝗮𝘀𝘁 𝘄𝗲𝗲𝗸: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Average mortgage rates last week moved higher after the Fed announced it would likely begin reducing bond purchases in November. The Fed has been keeping mortgage rates low through the purchase of mortgage bonds, called quantitative easing, and reducing those bond purchases will contribute to rates increasing over time.

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗴𝗲𝘁 𝘄𝗼𝗿𝘀𝗲 👎
This is a tough week to forecast where rates are headed, after seeing last week's sudden rate jump. Rates could get slightly worse or slightly better depending on how the underlying mortgage bond market performs, although we're hoping not to see any big jump in rates like we got last week. This is an important time to stay in touch with your mortgage professional about your unique situation.

🗓️ 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Economic data: A busy week for economic and housing data, we could see some day-to-day movement caused by a reaction to different reports including inflation data at the end of the week.
- Fed stimulus: The Fed continues to buy Treasuries and mortgage bonds, helping keep mortgage rates low, although it is now expected that the Fed will begin tapering back on bond purchases after their November Fed meeting.

09/23/2021

❗ Don't be surprised by rising mortgage rates!

🤭 𝗧𝗵𝗶𝗻𝗸𝗶𝗻𝗴 𝗼𝗳 𝗿𝗲𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴? 🏡 𝗧𝗵𝗲𝗻 𝘄𝗲 𝗻𝗲𝗲𝗱 𝘁𝗼 𝘁𝗮𝗹𝗸.

Despite outdated headlines 📰 about mortgage rates hitting record lows, mortgage rates are actually starting to creep up a bit.

👉 𝗗𝗼𝗻'𝘁 𝘄𝗼𝗿𝗿𝘆, 𝗜 𝗰𝗮𝗻 𝘀𝘁𝗶𝗹𝗹 𝗵𝗲𝗹𝗽 𝘆𝗼𝘂 𝗴𝗲𝘁 𝗮𝗻 𝗮𝗺𝗮𝘇𝗶𝗻𝗴𝗹𝘆 𝗹𝗼𝘄 𝗿𝗮𝘁𝗲... but you may want to reach out to me sooner than later. Just shoot me a text, an email, a DM, or give me a call. I'll run your numbers and see what we can do for you.

I'm looking forward to hearing from you soon.

09/20/2021

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗦𝗲𝗽𝘁𝗲𝗺𝗯𝗲𝗿 𝟮𝟬, 𝟮𝟬𝟮𝟭

𝗥𝗲𝗰𝗮𝗽 𝗼𝗳 𝗹𝗮𝘀𝘁 𝘄𝗲𝗲𝗸: 𝗥𝗮𝘁𝗲𝘀 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Average mortgage rates moved slightly higher last week, as economic data showed the economy continues to recover from the pandemic. Data showed inflation continues to be a concern, and consumers are out spending despite headlines about virus variants.

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 𝗮𝗻𝗱 𝗺𝗮𝘆 𝗴𝗲𝘁 𝘄𝗼𝗿𝘀𝗲 ⚠️
Average mortgage rates this week are likely to remain stable to begin the week, but could get volatile on Wednesday when the Fed releases its policy statement and Fed Chair Jerome Powell holds his press conference. It is a good idea to speak with your mortgage professional before Wednesday if you are making the decision soon to lock or float your mortgage loan.

🗓️ 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Economic data: Despite a few housing reports, there isn't really any data this week that will affect rates.
- Fed stimulus: The Fed continues to buy Treasuries and mortgage bonds, helping keep mortgage rates low.
- Fed meeting: Although highly unlikely that the Fed will raise policy rates or start tapering bond purchases at this meeting, markets will be watching closely for signs of when tapering will begin (it could be as soon as November) and if Fed official think rates will go up in 2022.

09/16/2021

🏡 Home prices are being driven up with bidding wars 💰 and a lack of inventory, and that can be scary. So scary in fact that it may discourage some folks from looking to buy a home now, afraid that we are in a housing bubble.

𝗛𝗲𝗿𝗲 𝗮𝗿𝗲 𝟯 𝗿𝗲𝗮𝘀𝗼𝗻𝘀 𝘁𝗵𝗼𝘂𝗴𝗵 𝘁𝗵𝗮𝘁 𝘁𝗵𝗶𝘀 𝗺𝗮𝗿𝗸𝗲𝘁 𝗶𝘀 𝘁𝗼𝘁𝗮𝗹𝗹𝘆 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁 𝘁𝗵𝗮𝗻 𝘁𝗵𝗲 𝗵𝗼𝘂𝘀𝗶𝗻𝗴 𝗯𝘂𝗯𝗯𝗹𝗲 𝘄𝗲 𝗲𝘅𝗽𝗲𝗿𝗶𝗲𝗻𝗰𝗲𝗱 𝗮 𝗹𝗶𝘁𝘁𝗹𝗲 𝗼𝘃𝗲𝗿 𝗮 𝗱𝗲𝗰𝗮𝗱𝗲 𝗮𝗴𝗼...

✅ 𝗛𝗼𝘂𝘀𝗶𝗻𝗴 𝘀𝘂𝗽𝗽𝗹𝘆 𝗶𝘀 𝗲𝘅𝘁𝗿𝗲𝗺𝗲𝗹𝘆 𝗹𝗶𝗺𝗶𝘁𝗲𝗱 🏡
Inventory of homes for sale is currently running at less than 2 months, a historic low. A healthy inventory is about 6 months, and in 2008 we were actually up to as high as 11 months inventory.

✅ 𝗛𝗼𝗺𝗲𝗯𝘂𝘆𝗲𝗿𝘀 𝗮𝗿𝗲 𝗺𝗼𝗿𝗲 𝗰𝗿𝗲𝗱𝗶𝘁𝘄𝗼𝗿𝘁𝗵𝘆 👍
In 2008, when the housing market crashed, mortgage standards were at an all time low for credit scores and down payment requirements, as well as proving income and assets to purchase. Current guidelines are much stricter, making the borrowers more financially secure.

✅ 𝗛𝗼𝗺𝗲𝘀 𝗵𝗮𝘃𝗲 𝗲𝗾𝘂𝗶𝘁𝘆 📈
Homeowners were pulling out equity back in 2008, causing many to be upside down. This time around equity levels are extremely high, meaning that homeowners could see values decline slightly without concern.

𝗜'𝗺 𝗮𝘃𝗮𝗶𝗹𝗮𝗯𝗹𝗲 𝘁𝗼 𝘀𝗵𝗮𝗿𝗲 𝘄𝗶𝘁𝗵 𝘆𝗼𝘂 𝗵𝗼𝘄 𝘁𝗼𝗱𝗮𝘆'𝘀 𝗹𝗼𝘄 𝗿𝗮𝘁𝗲𝘀 𝗺𝗮𝗸𝗲 𝘁𝗵𝗶𝘀 𝗮 𝗴𝗿𝗲𝗮𝘁 𝘁𝗶𝗺𝗲 𝘁𝗼 𝗰𝗼𝗻𝘀𝗶𝗱𝗲𝗿 𝗯𝘂𝘆𝗶𝗻𝗴 𝗮 𝗵𝗼𝗺𝗲, 𝗲𝘀𝗽𝗲𝗰𝗶𝗮𝗹𝗹𝘆 𝗮𝘀 𝘃𝗮𝗹𝘂𝗲𝘀 𝗰𝗼𝗻𝘁𝗶𝗻𝘂𝗲 𝘁𝗼 𝗶𝗻𝗰𝗿𝗲𝗮𝘀𝗲. 𝗥𝗲𝗮𝗰𝗵 𝗼𝘂𝘁 𝗮𝗻𝘆𝘁𝗶𝗺𝗲!

09/13/2021

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗦𝗲𝗽𝘁𝗲𝗺𝗯𝗲𝗿 𝟭𝟯, 𝟮𝟬𝟮𝟭

𝗥𝗲𝗰𝗮𝗽 𝗼𝗳 𝗹𝗮𝘀𝘁 𝘄𝗲𝗲𝗸: 𝗥𝗮𝘁𝗲𝘀 𝘂𝗻𝗰𝗵𝗮𝗻𝗴𝗲𝗱 👍
Average mortgage rates ended last week's holiday shortened week basically unchanged. Rates have continued a trend of stability over the last few weeks, with small movements day-to-day but no big jumps or drops in rates.

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝘄𝗶𝗹𝗹 𝗿𝗲𝗺𝗮𝗶𝗻 𝗹𝗼𝘄 👍
Average mortgage rates are likely to remain low this week, as markets wait to see what the Fed will do at next week's Fed meeting. Rates are not likely to improve much from here, although we may see some small improvements in rebate pricing - the credit you get towards closing costs from your lender or the fee you pay to get a lower rate, often called 'points'. Be sure to consult your mortgage professional this week about the benefits of locking or floating.

🗓️ 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Economic data: Inflation data on Tuesday could put a bit of pressure on mortgage rates, as could some retail sales data on Thursday.
- Fed stimulus: The Fed continues to buy Treasuries and mortgage bonds, helping keep mortgage rates low for now.
- Fed tapering: Rates may creep higher if markets speculate that the Fed may begin reducing Treasury and mortgage bond purchases at this month's Fed meeting, which will be held next week.

09/07/2021

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗦𝗲𝗽𝘁𝗲𝗺𝗯𝗲𝗿 𝟳, 𝟮𝟬𝟮𝟭

𝗥𝗲𝗰𝗮𝗽 𝗼𝗳 𝗹𝗮𝘀𝘁 𝘄𝗲𝗲𝗸: 𝗥𝗮𝘁𝗲𝘀 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Average mortgage rates were slightly higher to end the week, after Friday's jobs data caused mortgage bonds to lose ground. Overall though, rates are still very close to what we've seen the last few weeks.

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝘄𝗶𝗹𝗹 𝗿𝗲𝗺𝗮𝗶𝗻 𝗹𝗼𝘄 𝗯𝘂𝘁 𝗰𝗼𝘂𝗹𝗱 𝗴𝗲𝘁 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝘄𝗼𝗿𝘀𝗲 👎
Average mortgage rates this holiday shortened week are unlikely to improve, and could get slightly worse as the week goes on. Rates are not likely to move much lower from here in the coming weeks, but it is always a good idea to discuss your unique situation with your mortgage professional who can give you the best individual guidance on interest rates.

🗓️ 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Economic data: Not a lot of data this week, it's unlikely we see much movement in rates due to what is on the economic calendar. Friday morning and Wednesday afternoon has the highest chance of seeing movement due to economic reports.
- Fed stimulus: The Fed continues to buy Treasuries and mortgage bonds, helping keep mortgage rates low.
- Fed tapering: Rates may creep higher if markets speculate that the Fed may begin reducing Treasury and mortgage bond purchases at this month's Fed meeting.

09/01/2021

"𝗖𝗮𝗻 𝘆𝗼𝘂𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗹𝗲𝗻𝗱𝗲𝗿 𝗺𝗮𝗸𝗲 𝗮 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝗰𝗲 𝗶𝗻 𝗴𝗲𝘁𝘁𝗶𝗻𝗴 𝘆𝗼𝘂𝗿 𝗼𝗳𝗳𝗲𝗿 𝗮𝗰𝗰𝗲𝗽𝘁𝗲𝗱?" 🤔

Yes, they sure can.

And in this 💰 bidding war market, you need every edge you can get.

🏡 𝗗𝗶𝗱 𝘆𝗼𝘂 𝗸𝗻𝗼𝘄 𝘁𝗵𝗮𝘁 𝗯𝘆 𝘄𝗼𝗿𝗸𝗶𝗻𝗴 𝘄𝗶𝘁𝗵 𝗮 𝗹𝗼𝗰𝗮𝗹 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗽𝗿𝗼𝗳𝗲𝘀𝘀𝗶𝗼𝗻𝗮𝗹 𝗹𝗶𝗸𝗲 𝗺𝗲, 𝗜 𝗰𝗮𝗻 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝗛𝗘𝗟𝗣 𝘆𝗼𝘂 𝘁𝗼 𝗴𝗲𝘁 𝘆𝗼𝘂𝗿 𝗼𝗳𝗳𝗲𝗿 𝗮𝗰𝗰𝗲𝗽𝘁𝗲𝗱? 😀

Most seasoned real estate agents have had some kind of negative experience working with the big online lenders or the big banks. They know that an offer with a pre-approval letter from one of these institutions could have problems down the road, and that's the message they share with the home sellers when they are reviewing the multiple offers we see on almost every home these days.

I can work closely with your real estate agent to make your offer stand out. I can give you advice and options to make your offer more enticing to sellers and the sellers' agent.

👉 𝗕𝘆 𝘄𝗼𝗿𝗸𝗶𝗻𝗴 𝘄𝗶𝘁𝗵 𝗺𝗲, 𝘄𝗲 𝗰𝗮𝗻 𝗽𝘂𝘁 𝘆𝗼𝘂 𝗶𝗻 𝘁𝗵𝗲 𝗯𝗲𝘀𝘁 𝗽𝗼𝘀𝗶𝘁𝗶𝗼𝗻 𝘁𝗼 𝘄𝗶𝗻 𝘁𝗵𝗲 𝗱𝗮𝘆 𝗮𝗻𝗱 𝗴𝗲𝘁 𝘁𝗵𝗲 𝗵𝗼𝗺𝗲 𝘆𝗼𝘂'𝗿𝗲 𝘁𝗿𝘆𝗶𝗻𝗴 𝘁𝗼 𝗯𝘂𝘆. 👈

Reach out to me any time to discuss how I can help. I look forward to hearing from you.

08/30/2021

🏠 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗔𝘂𝗴𝘂𝘀𝘁 𝟯𝟬, 𝟮𝟬𝟮𝟭

𝗥𝗲𝗰𝗮𝗽 𝗼𝗳 𝗹𝗮𝘀𝘁 𝘄𝗲𝗲𝗸: 𝗥𝗮𝘁𝗲𝘀 𝘂𝗻𝗰𝗵𝗮𝗻𝗴𝗲𝗱 👍
Average mortgage rates were basically unchanged last week, keeping rates near historic lows, despite the Fed signaling it would likely begin reducing the volume of bonds purchased monthly sometime before the end of the year.

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝘄𝗶𝗹𝗹 𝗿𝗲𝗺𝗮𝗶𝗻 𝗹𝗼𝘄 👍
Average mortgage rates this week are unlikely to see much movement, as the summer effectively comes to a close for Labor Day weekend. It is unlikely we see rates move much lower from here in the coming weeks, but it is always a good idea to discuss your unique situation with your mortgage professional who can give you the best individual guidance on interest rates.

🗓️ 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Economic data: Nothing at the beginning of the week to worry about, but Friday's jobs data has the potential to cause some movement ahead of the holiday weekend. If locking your loan's rate this week, it may be best to consider doing so before Friday.
- Fed stimulus: The Fed continues to buy Treasuries and mortgage bonds, helping keep mortgage rates low, although it will begin tapering purchases sometime before the end of the year which could contribute to rates creeping higher.
- Holiday weekend: Markets and lenders will be closed Monday.

08/25/2021

⚠️ 𝗪𝗵𝗲𝘁𝗵𝗲𝗿 𝘆𝗼𝘂'𝗿𝗲 𝗴𝗲𝘁𝘁𝗶𝗻𝗴 𝗮 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝘁𝗼 𝗯𝘂𝘆 𝗮 𝗵𝗼𝗺𝗲 𝗼𝗿 𝘁𝗼 𝗿𝗲𝗳𝗶𝗻𝗮𝗻𝗰𝗲, 𝘁𝗵𝗲𝘀𝗲 𝗮𝗿𝗲 𝟰 𝘁𝗵𝗶𝗻𝗴𝘀 𝘆𝗼𝘂 𝘀𝗵𝗼𝘂𝗹𝗱 𝗡𝗢𝗧 𝗱𝗼... ⚠️

✅ 𝗠𝗮𝗸𝗲 𝗮𝗻𝘆 𝗹𝗮𝗿𝗴𝗲 𝗽𝘂𝗿𝗰𝗵𝗮𝘀𝗲𝘀 𝗹𝗶𝗸𝗲 𝗮 𝗻𝗲𝘄 𝗰𝗮𝗿 𝗼𝗿 𝗳𝘂𝗿𝗻𝗶𝘁𝘂𝗿𝗲 𝗳𝗼𝗿 𝘆𝗼𝘂𝗿 𝗻𝗲𝘄 𝗵𝗼𝗺𝗲
Even if you don't have to pay any interest or make any payments for awhile, new purchases come with new debt that will have to be factored in and can affect qualifying for your loan.

✅ 𝗗𝗲𝗽𝗼𝘀𝗶𝘁 𝗰𝗮𝘀𝗵 𝗶𝗻𝘁𝗼 𝘆𝗼𝘂𝗿 𝗯𝗮𝗻𝗸 𝗮𝗰𝗰𝗼𝘂𝗻𝘁
All money into and out of your accounts has be be accounted for during the mortgage process, even if not being used for the mortgage or a down payment. Talk with me about how to document unexpected or large deposits, especially cash deposits.

✅ 𝗤𝘂𝗶𝘁 𝗼𝗿 𝗰𝗵𝗮𝗻𝗴𝗲 𝗷𝗼𝗯𝘀.
Now isn't the time to make a move, even for a better opportunity... at least not without talking to me first about how it can impact your loan.

✅ 𝗢𝗽𝗲𝗻 (𝗼𝗿 𝗲𝘃𝗲𝗻 𝗰𝗹𝗼𝘀𝗲) 𝗰𝗿𝗲𝗱𝗶𝘁 𝗮𝗰𝗰𝗼𝘂𝗻𝘁𝘀
Don't take that new store card to save 10% on your purchase, don't pay off old debts or collections, and don't close or pay off any other accounts. Some of these actions can have unexpected consequences to your credit score, so be sure to talk with me first.

👉 𝗥𝗲𝗺𝗲𝗺𝗯𝗲𝗿, 𝗜'𝗺 𝗮𝗹𝘄𝗮𝘆𝘀 𝗵𝗲𝗿𝗲 𝘁𝗼 𝗵𝗲𝗹𝗽.
If any of these situations comes up and you're thinking of buying or refinancing soon, be sure to reach out to me for guidance.

08/23/2021

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗔𝘂𝗴𝘂𝘀𝘁 𝟮𝟯, 𝟮𝟬𝟮𝟭

𝗥𝗲𝗰𝗮𝗽 𝗼𝗳 𝗹𝗮𝘀𝘁 𝘄𝗲𝗲𝗸: 𝗥𝗮𝘁𝗲𝘀 𝘂𝗻𝗰𝗵𝗮𝗻𝗴𝗲𝗱 👍
Average mortgage rates were basically unchanged last week, with very little movement from day-to-day, keeping rates near historic lows.

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝘄𝗶𝗹𝗹 𝗿𝗲𝗺𝗮𝗶𝗻 𝗹𝗼𝘄 👍
Average mortgage rates this week are unlikely to see much movement, at least not until Fed Chair Jerome Powell speaks on Friday at the Jackson Hole symposium. Markets will be listening to Mr. Powell's comments for clues on when the Fed will begin tapering back bond purchases, which have kept mortgage rates at or near record lows since the start of the pandemic. Friday could see some rate volatility depending on what is said and the reaction from investors.

🗓️ 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Economic data: Nothing at the beginning of the week to worry about, but data coming out on Thursday and Friday could have a small effect on mortgage rates.
- Fed stimulus: The Fed continues to buy Treasuries and mortgage bonds, helping keep mortgage rates low.
- Jackson Hole symposium: If the Fed makes comments that lead markets to anticipate tapering to happen in Q4 it could cause rates to worsen to end the week. However, if tapering looks more likely in 2021 that could help rates hold these levels or even improve slightly.

Manuel Gonzalez Nmls:346916 Co. Founder

10/05/2021

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09/27/2021

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09/20/2021

09/16/2021

09/13/2021

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08/23/2021

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