Kevin Ebbecke at Guaranteed Rate NMLS# 187549

09/08/2025

🏠💃 It’s limbo time… but with your mortgage!

Rates have recently dropped, and that could mean one thing for you: lower payments. A smart refinance move today may set you up for a brighter financial future tomorrow.

The question is… how low could YOUR payments go? Let’s find out together. 📉

📲 Message us today to run the numbers and see if a refinance makes sense for you.

07/07/2025

🏡 Monday Mortgage & Market Minute – July 7, 2025

📊 June’s job data sent mixed signals:

✅ Headline job growth beat expectations
📉 Private sector jobs declined for the first time in over a year
📈 Job openings rose, but hiring and quit rates hit decade lows
📉 Continuing unemployment claims just under 2 million

💬 Bottom line: The labor market is softening beneath the surface. The Fed is expected to stay cautious, which could keep mortgage rates steady.

📉 Bonds remain range-bound, yields are holding—great window for buyers to lock in.

💪 Competition happens at the bottom. The people at the top are collaborating.

📲 Let’s secure your next deal—faster, smarter, and with a winning strategy.

Call now to connect with business.

06/30/2025

📊 Monday Mortgage & Market Minute – June 30, 2025
Fueling your week with fast, insightful updates 🔥

🏡 What happened last week?
• Inflation ticked up slightly, but relief may be ahead
• Home sales stayed soft — but values are still strong
• New builds dipped, but inventory remains tight
• Jobless claims are rising — Fed rate cuts are still on the table

💡 What it means:
Buyers waiting for the “perfect moment” may miss the right one. Inventory is low, prices are holding, and strategic financing is making a difference.

🛠️ Investor Alert:
Turnkey Build-to-Rent homes in Florida are cash flow ready — and We'’ve got the numbers to prove it.
💼 DSCR loans up to 80% LTV
💵 Interest-only options = early ROI boost
🏘️ Fully leased, pro-managed, brand-new construction

📩 DM me “Deals” for a fresh look at this week’s top performers — let’s build wealth smarter.

06/23/2025

🏡 Monday Mortgage & Market Minute – June 24, 2025

Mortgage markets are calm despite global headlines.

📉 The 10-Year Treasury yield easing rate pressure, while MBS pricing nudging higher—creating a window of opportunity for savvy buyers.

🏗️ Builder confidence and home construction both slowed, keeping inventory tight. And while retail sales dipped, core consumer spending remains stable.

📈 Jobless claims are still elevated, pointing to a softer labor market—but that could support lower rates ahead.

👉 If your clients are on the fence, this could be the moment to act.

Let’s secure your next deal—faster, smarter, and with a winning strategy. We've got your back.

📲 Call or message anytime.

06/19/2025

🇺🇸 VA House Hack Opportunity 🏡

💼 House Hack a BTR Duplex with $0 Down – VA Eligible 🇺🇸💰

Veterans and Active Duty: Want to own a cash-flowing investment and live for nearly free?

We’re helping VA buyers purchase brand-new build-to-rent duplexes using 0% down VA loans. Live in one side, rent the other. It’s a smart strategy we’ve helped clients repeat again and again across Florida.

🎖️ Why It Works for the Military Community:
✔️ Live for nearly free while building wealth
✔️ Appreciation + equity growth
✔️ Powerful tax write-offs (depreciation, interest, expenses)
✔️ Maximize your VA benefit
✔️ Start investing with minimal out-of-pocket
💥 Current Incentives Available:
✅ 3 Months Rent Protection
✅ FREE Property Management
✅ Exclusive Below-Market Rate Options
✅ New Construction – No Repairs, No Headaches

This is a no-brainer if you're serious about using your VA benefits to build long-term wealth through real estate.

📲 DM me to run the numbers or see what’s available now. These go fast.

06/16/2025

🏡 Monday Mortgage & Market Minute

📉 Inflation is soft. Jobless claims are rising
✅ Cooler inflation = possible rate relief
📈 Jobless claims hit a 7-month high
📆 Fed rate decision drops Wednesday

🧠 Smart buyers and investors can use this window to secure strong deals before momentum shifts.

👉 Let’s lock in your next deal—quick, smooth, and strategic.

Send a message to learn more

06/09/2025

💰 4% growth on a $500K home = $100K+ in 5 years 📈. Here’s why homeownership is still one of the smartest plays →

𝐌𝐨𝐧𝐝𝐚𝐲 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 & 𝐌𝐚𝐫𝐤𝐞𝐭 𝐌𝐢𝐧𝐮𝐭𝐞 | June 9, 2025

✅ Labor market is cooling—job growth slowing, unemployment claims elevated
✅ Homeownership continues to build wealth: 4.3% price growth forecast.
📈 4% growth on a $500K home = +$20K in 1 year → $100K+ in equity over 5 years!

✅ Key focus this week: Inflation data + Treasury auctions → rate watch.

💪 “To achieve greatness, you must let go of old habits that could hold back your progress.”

Helping your buyers build long-term wealth? Let’s connect.
📲 DM me anytime.

Call now to connect with business.

06/02/2025

🏡 Monday Mortgage & Market Minute | June 2, 2025
Quick insights to fuel your week 💡

📉 Inflation is easing – Core PCE down to 2.5% = rate relief in sight
🏠 Home values holding strong – 3.4% annual growth, low inventory supports equity
📝 Pending sales dropped – More listings = better deals for buyers
📉 Jobless claims rising – Signs of a cooling labor market

📊 This week: Big jobs report + rate watch = opportunity ahead

💬 "When you understand the game, you don’t panic."
We’re your secret weapon in a tough market. Let’s win together.
📲 Call/text anytime!

Call now to connect with business.

05/30/2025

💥 W-2s? Optional.
🏠 Cash flow? Required.

Whether you're an investor, self-employed, or just don't fit the cookie-cutter loan mold — we've got you.

✅ DSCR
✅ Bank Statement
✅ 1099-Only
✅ Asset-Based

🏆 Voted #1 in the Non-QM space — and helping more people close, faster.

Let’s get you financed. 📲

04/29/2025

Not every client fits the W-2 mold—and that’s okay.
Clients need mortgage solutions that align with their unique financial situations.

Our Rate Portfolio Non-QM loans are designed for self-employed individuals, real estate investors, and borrowers with significant assets or diverse income streams.

💼 More flexibility.
🔑 More approvals.
✅ More ways to close.

Partner with Rate Portfolio and expand what’s possible.
📩 Contact us today to learn how we can help you close!

03/31/2025

Don’t wait – speed is essential to making it yours! With our Same Day Mortgage, your offer can pack the same punch as an all-cash offer. Ready to move fast? Learn more: https://www.rate.com/buying-a-house?LOID=24247

03/17/2025

May the road rise up to meet you, and the wind always be at your back." ☘️

We’re thankful for your continued support. Cheers to good times, great company, and all things Irish! 🍀💚