Block and Lock Mortgage Loans

05/22/2024

Celebration post! Happy anniversary my love. 14 years with a knot + 5 before i learned to tie the knot. You are such a wonderful partner in this world. Thank you, I’m so grateful for my happiness which you are such a key part

05/12/2024

Happy day celebrating all day is no prob for this fam since she serves us the greatest love all day everyday. I am blessed to see this mom in action everyday, in awe of all that she can handle and do

03/18/2022

Credit is one of the top reasons mortgage applicants fall out and it begins at the inquiry stage. Based on HMDA data according to HousingWire, at least 30% of fallout during this stage is related to credit. Its unfortunate numbers as ⅓ of the credit scores below 640 can be improved enough to be qualified.
So it comes down to the matter of education then. Through a well-timed mortgage process and aligning yourself with a quality lender, you can get the education and strategy needed that meet either your long-term or short-term plan.

03/18/2022

I told them I’ll post so give me a smile.

03/14/2022

Moving up! Working on our red tail hawk sized hugs now 🦅(close enough emoji)

02/07/2022

Looking to purchase in the Irvine/Newport area, but still want an amazing value?

Message me to set up your pre purchase consultation or...

Go to the link below to begin your pre-approval:
https://mtgpro.co/dr/c/t24do

10/13/2021

Questions? Message me 🏠

09/21/2021

🏡 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.

09/08/2021

🏡 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.

09/07/2021

Buying a home? You may want to compromise in today’s market. But not everything…

It's important to keep an open mind and be flexible, but here are a few instances where it's okay to put your foot down.

08/31/2021

🏠 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.