Chris Borg Nmls#116995

10/31/2026

⏰ Don't forget: clocks fall back Saturday night!

Sunday, November 1, you gain an hour.

Enjoy the extra sleep — and if you have a few minutes to spare, use them to check whether your mortgage still fits your life. Rates, payments, and plans change, and a quick check-in costs nothing.

Want me to run your numbers? Call or message me at (503) 481-1369.

Chris Borg | Mortgage Broker | Edge Home Finance | NMLS #116995
[email protected] | (503) 481-1369 | borg-edge.com

10/30/2026

🎃 Happy Halloween!

Wishing you a night of great costumes, full candy buckets, and zero scary surprises. Whether you're out trick-or-treating or on porch duty handing out the good stuff, stay safe and have a spooktacular night! 🍬

Happy Halloween!

Chris Borg | Mortgage Broker | Edge Home Finance | NMLS #116995
[email protected] | (503) 481-1369 | borg-edge.com

10/28/2026

🏡 Rates are dropping! Now's the time to chat about your mortgage options!
https://conta.cc/3UlxfTy

Email from Edge Home Finance Mortgage Rates Ease for a third straight week! Borg's Edge Weekly Rates Chris Borg NMLS #116995/ #891464 Borg Edge Home Finance 503-481-1369 [email protected] Mortgage Rat

10/28/2026

Home prices didn't wait for rates to drop.

Here's the simple version: Case-Shiller is a well-known tracker of home prices across the country. It just reported August, and prices went up 0.3% that month — the fourth month in a row they've gone up. Compared to a year ago, prices are up 2.1%. Back in July that yearly number was 1.9%, so price growth is picking up speed.

Here's how the year went: prices dipped a little in the spring (down 0.2% in March, down 0.1% in April). Then they turned around — up 0.1% in May, up 0.2% in June, up 0.3% in July, and up 0.3% again in August. Each month a little stronger than the last.

Here's the surprising part: all of that happened while 30-year mortgage rates went UP, from 6.2% to 6.8%. More expensive loans didn't stop prices from rising.

If you've been waiting for lower rates to save you money, prices have been moving the other way while you wait. And if you're selling and wondering whether you missed your chance — prices are still going up.

Thinking about buying? Let's run your numbers using today's rates — not the rates you're hoping for someday.

Source: S&P Cotality Case-Shiller Indices, August 2026 release.

10/27/2026

Oregon homeowners! Your property tax statement is here. Know what to do! 🟡 or 🟢
https://conta.cc/4zcGJQb

Email from Edge Home Finance Yellow = lender pays. Green = you pay. Check yours before Nov 16.   Oregon homeowners — your property tax statement is in the mail! 📬 Before you stress about the number,

10/26/2026

VA vs Conventional vs FHA — which loan actually fits YOUR goals? There's no single "best" loan. The right one depends on your down payment, your credit, how long you'll stay, and what payment you want to live with. In this episode of The Mortgage Borgcast, Chris Borg breaks down all three side by side — in plain English.

Here's what you'll learn:
• VA loans — 0% down, no monthly mortgage insurance, and the funding fee explained (for eligible veterans and active-duty service members)
• Conventional loans — as little as 3% down, private mortgage insurance that can drop off once you hit 20% equity, and why strong credit gets rewarded
• FHA loans — 3.5% down, more forgiving credit guidelines, and the mortgage insurance trade-off to understand before you choose
• The real comparison: down payment, monthly payment, mortgage insurance, credit flexibility, and long-term cost
• How to pick: the 5 questions to ask yourself before you choose — and when it makes sense to switch paths later.

Buying your first home, using your VA benefit, or just trying to figure out which loan gets you the best payment? Chris can run your exact numbers side by side — no guesswork.

Apply with Chris: https://borg-edge.com
Questions? [email protected] | (503) 481-1369

Subscribe for straight answers on home buying, VA loans, and mortgages — new episodes weekly.

You do not need to know every step. You just need someone who does.

Chris Borg | Mortgage Broker | Edge Home Finance, LLC | NMLS #116995 | Licensed in OR & WA

10/25/2026

Remember that homebuyer video where Guy kept asking me to go surfing — for over a year — and I joked about whether I'd even fit into my wetsuit anymore?

Saturday, Guy finally got his wish. 🏄

The wetsuit fit. The waves were kind. And this morning I woke up feeling it in every single muscle in my body 😂

Honestly? I'm glad he never stopped asking. Over a year of "come on, let's go" turned into one of the best days I've had in a long time, out at Cannon Beach with a good friend.

Thanks for dragging me out there, Guy. Worth every sore muscle.

Who's next?

10/23/2026

Catch the dip! 🌊

After the recent run-up, mortgage rates have pulled back to 1-month lows — the best levels we've seen since late September. Freddie Mac's weekly average just dropped to 7.32% from 7.40%.
And here's why right now is a sweet spot — two windows are open at the same time:

✅ Rates at 1-month lows = lower payments than any time in the last month

✅ Sellers are making concessions — credits and rate buydowns are on the table
That combo doesn't usually last. If rates firm back up or buyers jump back in, the concessions are the first thing to disappear.
Thinking about buying, or just want to see what today's numbers do to your payment? Give me a call and let's run them

10/22/2026

How much money do you actually need to buy your first home?

In Part 3 of my three-part First-Time Home Buyer Series, I break down the cash you may need for your down payment, closing costs and prepaid expenses. I also explain down-payment assistance programs and how seller-paid closing costs may help reduce the amount you need at closing.

You may need less cash than you think—and understanding your options early can help you create a realistic plan.

10/22/2026

🚨 Mortgage bonds just made a BIG move.

The 30YR UMBS 6.0 jumped to 99.50 today (+0.65).

Simple translation: when bond prices go UP ⬆️, yields go DOWN ⬇️ — and mortgage rates take their cues from those yields.

What's driving it:

• Money rotating out of tech/AI stocks into safer U.S. bonds

• Global risk-off buying, including stress in French government bonds

• The 10-year Treasury yield dropping sharply to ~5.03%

• Traders repositioning ahead of next week's Fed meeting

What it means for you:

🏡 Buyers — if you're pre-approved, under contract and floating, or just watching payments, this is the kind of window worth checking. Let's run your lock and payment options with today's numbers.

🔑 Sellers — better affordability can bring sidelined buyers back to the table. Pricing strategy, seller credits, and rate buydowns can do real work right now.

Windows like this can open fast — and close fast. Want me to run your numbers?

📲 Call/text (503) 481-1369 or DM me "RATE CHECK"