Jon Kutsmeda

Website

Creator of LendZen.com, the first and only fully autonomous mortgage shopping experience; no logins, no humans, no hassles. NMLS # 374680

Founder and Top Mortgage Expert in Luxury Homes, Vacation Rentals, and Military VA Loans.

10/19/2026

Is the housing market going to crash?

10/19/2026

Despite last week's improvement, mortgage rates are still near their 2023 peak.

10/19/2026

Real estate in the U.S. has been a tale of two markets for the past half-dozen years.

Many Northern states still have limited inventory and stubbornly high prices.

Across the South prices are gradually retreating, but still most sellers refuse to budge.

10/18/2026

Bonds staged an unlikely comeback last week despite no progress in Iran and inflation still running hot.

However, absent a lasting resolution in the Strait of Hormuz, war-driven inflation will make a sustained recovery in mortgage rates unlikely.

For now, enjoy the “risk-off” bounce while it lasts...

10/16/2026

𝗪𝗼𝗻𝗱𝗲𝗿𝗶𝗻𝗴 𝗶𝗳 𝘆𝗼𝘂 𝘀𝗵𝗼𝘂𝗹𝗱 𝗿𝗲𝗳𝗶𝗻𝗮𝗻𝗰𝗲? 🏠💰

1) Find your current mortgage rate across the top of either section.

2) Find a refinance rate down the left side.

3) Decide if the breakeven timeline (years) fits your objectives.

10/16/2026

Noooo, why would you think...

10/16/2026

Welcome to Bizarro World...

Despite red-hot inflation data, mortgage rates keep improving.

Today, monthly Core PPI rose 0.7%, nuking expectations of 0.3%.
This would normally send mortgage pricing into orbit faster than a SpaceX rocket, but instead bonds rallied big.

Is it opposite day or have we entered a new dimension?

10/13/2026

Mortgage rates fought back last week, but it won’t be enough to put out the dumpster fire which has been burning since July.
.. especially if inflation data brings the heat this week.

CPI is on Wednesday and Thursday brings a double dose of Fed manufacturing surveys, followed by PPI and Retail Sales data.

Each report could reignite the bond selloff, further scorching mortgage rates.

We could really use a hero right about now.

10/11/2026

Too early to celebrate?

10/05/2026

Someone please throw a life raft...

Address

Honolulu, HI

Website

https://linktr.ee/JonKutsmeda

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