Montana Mortgage Partners - Toby Gilchrist

07/07/2026

07/05/2026

11/21/2025

https://housingnewsletters.com/toby-gilchrist/6920c04f8c2720ee1c9b18e5?s=em

This week marked the return of delayed economic data from the government shutdown. Specifically, we received the important jobs report that was set to come out in early October.

11/15/2025

Register today!

11/14/2025

https://housingnewsletters.com/toby-gilchrist/69179aab2926aa0f24733b24?s=em

After the longest shutdown in history the U.S. government reopened on Thursday. As expected, this has added a bit of upward pressure for rates.

11/07/2025

https://housingnewsletters.com/toby-gilchrist/690e6b6af13aff4d3f96a760?s=em

Rates are dictated by bonds and bonds take cues from economic data. But during the shutdown, the most important data has been on hold. This week brought a rare concentration of non-government data to help bridge the gap and bonds were more than willing to respond.

11/06/2025

This event continues to impress year after year!

09/11/2025

Take advantage of the recent drop in interest rates! Visit tobygilchrist.com for contact information and to schedule a call for a free Consultation!

08/16/2025

https://housingnewsletters.com/toby-gilchrist/68a091081a3aa393a08fdc94

Mortgage rates fell in concert with increased odds for a Fed rate cut. But it's critical to remember that an actual Fed rate cut WOULD NOT guarantee further improvement in mortgage rates unless the economic data keeps supporting the case for more cuts ahead.