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Educating families on smart home financing to build generational wealth.

Educating families on smart home financing to build generational wealth | Shelton Mortgage Team powered by Edge Home Finance, LLC | NMLS #1668076 | Edge Home Finance NMLS #891464 | Equal Housing Opportunity | https://www.nmlsconsumeraccess.org We believe a mortgage is more than just a way to buy a home, it can be a powerful financial tool when structured strategically. We help homebuyers and homeowners understand their options, make confident financing decisions, and find mortgage solutions that fit their short and long-term goals. From first-time homebuyers to move-up buyers, veterans, investors, and homeowners looking to leverage their equity, our team provides personalized guidance and access to a wide range of loan programs and lenders.

🏡 Smart financing.
📚 Education first.
🤝 Guidance for every step.
💰 Building toward generational wealth.

08/18/2026

What's pushing mortgage rates higher right now?

08/17/2026

Mortgage rates caught a little relief last week, finishing near their lowest levels in four weeks as softer inflation data helped bonds recover.

This week, I’ll be watching three key drivers:

📈 Inflation
⛽ Oil prices
🌎 Developments in the Middle East

Thursday’s softer PPI data helped rates improve, but the market remains highly headline driven. If inflation continues to cool and oil prices remain stable, rates could see further improvement. Renewed pressure from oil prices or geopolitical tensions could quickly reverse those gains.

08/17/2026

Mortgage rates are starting the week pretty much where we left off.

02/10/2025

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗙𝗲𝗯𝗿𝘂𝗮𝗿𝘆 𝟭𝟬, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝗱 👍
Rates improved last week, even as jobs data indicated a resilient labor market despite the Fed maintaining higher policy rates. However, the gains were small, with rates remaining relatively steady for the second consecutive week instead of seeing the expected volatility.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗶𝗺𝗽𝗿𝗼𝘃𝗲 👍
A lot is happening this week that could impact mortgage rates, with inflation being the biggest factor. While some day-to-day rate fluctuations are expected, significant swings in either direction are unlikely.

📈 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Tariffs: While still making headlines, traders seem less concerned about tariffs, and they are not having a significant impact on mortgage rates.
- Fed speakers: This week features several speeches from Fed officials, with the most notable being Fed Chair Powell’s semiannual testimony before Congress, where he will discuss the economy, interest rates, and inflation outlook.
-Inflation: Consumer inflation data will come out on Wednesday, and is expected to have the biggest impact on mortgage rates this week. Higher inflation could push rates up, while inflation in line with expectations should keep rates steady.

02/04/2025

𝗙𝗲𝗲𝗹 𝗹𝗶𝗸𝗲 𝘆𝗼𝘂 𝗰𝗮𝗻'𝘁 𝗮𝗳𝗳𝗼𝗿𝗱 𝘁𝗼 𝗯𝘂𝘆 𝗮 𝗵𝗼𝗺𝗲? ☹️

👉 I can help. 😀

With mortgage rates that refuse to fall, and home prices that just won't drop, there may be some creative ways I can help you get a mortgage with a payment you can afford.

✅ 𝗖𝗮𝗹𝗹, 𝘁𝗲𝘅𝘁, 𝗼𝗿 𝗗𝗠 𝗺𝗲 𝗮𝗻𝗱 𝗹𝗲𝘁'𝘀 𝘁𝗮𝗹𝗸!

02/03/2025

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗙𝗲𝗯𝗿𝘂𝗮𝗿𝘆 𝟯, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗯𝗮𝘀𝗶𝗰𝗮𝗹𝗹𝘆 𝘂𝗻𝗰𝗵𝗮𝗻𝗴𝗲𝗱 👍
Mortgage rates remained steady last week, with minimal reaction to the Fed meeting and Fed Chair Powell's press conference. The Fed left its policy rate unchanged as expected, but didn't give any clear indication that it would stop cutting rates this year. Inflation data for the week also came in as expected, helping keep mortgage rates stable.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
Last week was calmer than expected, but this week could bring volatility. Markets are responding to tariffs on Canada, Mexico, and China, with stocks reacting more than bonds. Mortgage rates have already priced in the expected tariffs, showing minimal movement. Labor market data later this week could influence mortgage rates.

📈 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Tariffs: Markets will respond to tariffs and any countermeasures or retaliatory actions from affected countries.
- Labor market data: This week brings multiple reports about the labor market, including job turnover and layoffs, new jobs created, and unemployment numbers. Signs of labor market strength could pressure mortgage rates higher, while data signaling a weaker labor market could help rates.

01/27/2025

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗝𝗮𝗻𝘂𝗮𝗿𝘆 𝟮𝟳, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝘄𝗼𝗿𝘀𝗲 👎
Mortgage rates edged slightly higher last week, but the changes were minimal and not cause for major concern. There was little economic data to influence rates, and the Trump administration has yet to implement the tariffs that previously raised market concerns.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
This week rates could see significant movement. The Fed meeting and Chair Powell's press conference are expected to have the biggest impact, with additional attention on the first release of Q4 GDP and PCE inflation data later in the week.

📈 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- The Fed: The Fed meeting concludes on Wednesday, with expectations the Fed will leave its policy rate unchanged after three consecutive cuts. The policy statement will be released at 2 PM ET, but Fed Chair Powell’s press conference afterward is likely to have a greater effect on mortgage rates. Any indication of continued rate cuts could lead to lower mortgage rates, while signs the Fed has paused rate cuts could push rates higher.
- Economic data: While secondary to the Fed’s decisions, economic data releases later this week - such as Q4 GDP and PCE inflation - may still cause rate fluctuations.

01/24/2025

⚠️ 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗿𝗮𝘁𝗲𝘀 𝗿𝗲𝗳𝘂𝘀𝗲 𝘁𝗼 𝗱𝗿𝗼𝗽, and that has many house hunters waiting until they do... 𝗯𝘂𝘁 𝘁𝗵𝗮𝘁 𝗶𝘀 𝗮 𝗺𝗶𝘀𝘁𝗮𝗸𝗲! 😲

👍 𝗔𝘀 𝗮 𝗴𝗲𝗻𝗲𝗿𝗮𝗹 𝗿𝘂𝗹𝗲, now is a great time to buy a home, and you shouldn't wait for rates to drop.

𝗛𝗲𝗿𝗲 𝗶𝘀 𝘄𝗵𝘆...
✅ Rates are not likely to drop significantly anytime soon. Although we see rates move up and down week-to-week, rates are not likely to drop and stay lower until later this year.

✅ Home prices never fell like some people thought they would, because there continues to be a shortage in home inventory. When rates drop, lots of potential buyers will come back into the market, making it more competitive and driving home prices higher.

✅ Buying now when rates are higher will likely give you more homes to choose from and help get your offer accepted. Once you own the home, you may be able to refinance when rates do fall later this year.

𝗧𝗵𝗼𝘀𝗲 𝗮𝗿𝗲 𝘁𝗵𝗲 𝗴𝗲𝗻𝗲𝗿𝗮𝗹 𝗿𝗲𝗮𝘀𝗼𝗻𝘀, 𝗯𝘂𝘁 𝗶𝗳 𝘆𝗼𝘂 𝘄𝗮𝗻𝘁 𝘁𝗼 𝗱𝗶𝘀𝗰𝘂𝘀𝘀 𝘄𝗵𝗮𝘁 𝘆𝗼𝘂 𝗰𝗮𝗻 𝗾𝘂𝗮𝗹𝗶𝗳𝘆 𝗳𝗼𝗿 𝗮𝗻𝗱 𝗰𝗼𝗺𝗳𝗼𝗿𝘁𝗮𝗯𝗹𝘆 𝗮𝗳𝗳𝗼𝗿𝗱, 𝗮𝘀 𝘄𝗲𝗹𝗹 𝗮𝘀 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁 𝗹𝗼𝗮𝗻 𝗼𝗽𝘁𝗶𝗼𝗻𝘀 𝘁𝗵𝗮𝘁 𝗮𝗿𝗲 𝗻𝗼𝘄 𝗮𝘃𝗮𝗶𝗹𝗮𝗯𝗹𝗲 𝘁𝗼 𝘆𝗼𝘂, 𝗿𝗲𝗮𝗰𝗵 𝗼𝘂𝘁 𝗮𝗻𝘆𝘁𝗶𝗺𝗲.

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Lakeland, FL

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http://www.sheltonmtg.com/

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