Joshua Lonborg NMLS-934895

05/02/2026

Spring is certainly here, the mountain is nearly bare.

But if the sunshine and the warm air have you dreaming about a place to call your own - that is actually my job. Rates are in the low 6s and the spring market is moving.

Let's talk.

Licensed in Oregon and Washington.

*Directors Mortgage: Information subject to change without notice. Qualified borrowers only. This is not a commitment to lend. NMLS #3240. Equal Housing Opportunity.

Call now to connect with business.

04/19/2026

Rates just hit a 5-week low last week, fingers-crossed it keeps rolling

The 30-year fixed is hovering right around 6% — down nearly half a point from where it was just a few weeks ago. That's a real shift, and for buyers who've been watching from the sidelines, it's worth paying attention to.

Will it last? Honestly, nobody knows. The market has been moving fast and the conditions driving rates down could just as easily reverse.

What I do know: windows like this are worth a conversation. Whether you're buying, refinancing, or just want to know where you stand, let's talk.

Drop a comment or send me a message. Link in bio.

*Directors Mortgage: Information subject to change without notice. Qualified borrowers only. This is not a commitment to lend. NMLS #3240. Equal Housing Opportunity.*

04/12/2026

Every mortgage payment is a deposit into your future — not your landlord's.

Equity builds quietly. Month by month. Year by year. Until one day you look up and realize your home has been working for you the whole time.

If 2026 is the year you start building - let's talk.

Call now to connect with business.

03/31/2026

March is done. Spring market is just getting started. 🌱

If buying a home or refinancing is on your 2026 radar, now is a great time to build the plan — so when the moment hits, you're ready to move instead of scrambling to catch up.

The buyers who feel the most confident are usually the ones who gave themselves a little runway. Whether you're 30 days out or 6 months away, a quick conversation can bring a lot of clarity.

No pressure, no obligation — just a plan that works for you. Drop a comment, send me a message, or hit the link in my bio to get started. 🏡

05/20/2025

Looking to buy a home in a rural community? VanDyk Mortgage offers Rural Development Housing Loans with 100% financing and no down payment! This program helps families find affordable homes in designated areas and is open to all buyers, though specific guidelines apply for those with existing properties. Your new home awaits!

05/15/2025

Did you know you can do an appraisal without having the utilities on in the home? It’s one less thing to worry about during the process. If you have questions about how this works, let’s chat!

05/13/2025

Did you know that as the surviving spouse of a veteran who passed due to a service-related injury, you can still qualify for a loan? It’s a benefit many don’t realize is available. If this applies to you, let's talk about how you can take advantage of it and start your homeownership journey.

05/08/2025

Life doesn’t always line up with a perfect move-in schedule. If you’re getting a VA loan, you can delay occupancy by up to a year and still meet the guidelines. If you have plans or commitments that require some flexibility, a VA loan can still be a great option. Let’s chat about how this works!

05/06/2025

With conventional loans, you can finance a multi-unit property and live in one of the units. It’s a great way to start building wealth through real estate while earning rental income to help with the mortgage. Ready to explore how this can work for you? Let’s chat about the possibilities.

05/01/2025

Ever feel like owning your first home is a far-off dream? It might be closer than you think! With conventional loans offering low down payments (as little as 3%), you could be taking that first step toward homeownership sooner than you expected. Plus, once you reach 80% loan-to-value, mortgage insurance could be a thing of the past. Ready to make that first home a reality? Let’s chat about how a conventional loan can help.