Torrey Jacoby at Rate NMLS 1002704

06/26/2026

06/23/2026

Your mortgage is just one part of the picture, not the whole story. When you understand what it actually costs to own, planning gets a lot clearer. I’ll help you break it down so you know what to expect from the start.
https://myoc.io/jpxHm0qSS6O/WFM0V



NMLS # 1002704

06/22/2026

There isn’t just one way to use your home equity, and there shouldn’t be. Some homeowners prefer flexibility they can access over time. Others want a set amount with a clear repayment structure. The right approach depends on your goals, your timeline and how you manage it. Options like a Home Equity Line of Credit (HELOC)* or a fixed-rate lump sum option** could help you access equity without replacing your current mortgage.

Let’s connect and find what fits your situation.
https://myoc.io/jpxHm0qSS6O/Q84UI



NMLS # 1002704

06/18/2026

The Fed held rates steady this week, choosing patience while inflation remains elevated and the economy keeps growing at a solid pace. For anyone weighing a move, that steadiness works in your favor. With rates holding, you can focus on your own goals instead of the market's next turn.

If you're thinking about your next step, I'm here to help you make sense of it. Let's map out something that fits where you're headed.
https://myoc.io/jpxHm0qSS6O/0rpbT



NMLS # 1002704

06/17/2026

The spring market showed more momentum than many expected. New pending home sales data points to renewed buyer activity across the country, even as mortgage rates held steady. For buyers and sellers, that could signal a market where preparation matters more than waiting for perfect conditions. Because pending sales reflect signed contracts, they can also offer an early look at where the market may be headed next.

Let's review what today's housing market trends could mean for your homeownership goals.
https://myoc.io/jpxHm0qSS6O/ILz8T



NMLS # 1002704

06/16/2026

Winning your dream home is full of excitement, but moving, not so much. However, with the right tips your move could be a bit easier. These are some of my favorites, what are yours?
https://myoc.io/jpxHm0qSS6O/WuSDH



NMLS #1002704

06/15/2026

Escrow is designed to smooth out your costs over time. It’s one of the key terms that shapes how homeownership actually works. Instead of large, unpredictable expenses, you’re planning ahead each month. I’ll help you understand how it fits into your full payment.

Let's connect.
https://myoc.io/jpxHm0qSS6O/8ILE3



NMLS #1002704

06/11/2026

You don’t just live in your home, you build something in it over time. That accumulated value could become a powerful financial tool when you need it. I’ll help you understand how your home equity fits into your bigger plan.

Contact me to learn more.
https://myoc.io/jpxHm0qSS6O/6qnZL



NMLS #1002704

06/09/2026

Knowing the numbers could give you an edge in a competitive market. With home sales reaching a peak in May, more Americans are on the move. Increases in existing-home sales across the Northeast, Midwest and South suggest more homeowners are on solid financial footing.

Understanding the full housing breakdown could help you win your dream home.
https://myoc.io/jpxHm0qSS6O/Tk6IK



NMLS #1002704

06/08/2026

Closing costs are part of both buying and selling. The details can vary based on how each loan is structured. Seeing both sides helps you plan with clarity. Learn how you can structure the costs of your loan so it works best for you.
https://myoc.io/jpxHm0qSS6O/i1z2e



NMLS #1002704