Real Estate Lending by John Choboian nmls#310998

08/21/2026

Where did 2%–3% mortgage rates Go?

The U.S. bond market reached extraordinary levels in 2020 as interest rates fell to historic lows.

It took a remarkable event — a global pandemic and extraordinary Federal Reserve intervention

To see those same ultra-low rate levels again would likely take another remarkable event.

That’s an important perspective for homebuyers and homeowners who are still waiting for very low mortgage rates to come back.

I believe the better approach is to structure financing around today’s market while keeping an eye on opportunities to refinance as conditions change.

08/14/2026

Buying a home in Denver....

Seller offering a $10,000 Seller Credit - How Would You Use It?

• Reduce the purchase price
• Pay eligible closing costs
• Buy down the interest rate

Which is best?

As a former CPA, this is one of my favorite parts of mortgage lending: analyzing the alternatives rather than simply quoting a rate.

08/10/2026

Repeat clients are one of the greatest compliments in this business.
I recently had the pleasure of helping Tim and Michelle purchase a second home in Granby, Colorado. I’m grateful they trusted me again and allowed me to help with another important chapter in their lives.

Congratulations, Tim and Michelle!

If you’re considering a mountain property or second home in Colorado, I’d be happy to help you understand your financing options.

07/31/2026

The Federal Reserve has decided to maintain the current fed funds rate. As the economy shows resilience, mortgage rates are projected to remain in the 6.5-7% range for the foreseeable future. Stay informed on market trends and opportunities.

https://conta.cc/4blknCl

Email from Max Mortgage LLC Mortgage Update "Max Clarity, Max Confidence"  John Choboian NMLS # 310998 Principal, Formerly Licensed CPA Max Mortgage News & Rates 7/29/26 Federal Reserve Chairman Kevi

03/25/2026

Home values have historically trended upwards, which is why owning a home has remained one of the most dependable ways to grow wealth over time.

The numbers tell a powerful story! Home values have historically trended upwards, which is why owning a home has remained one of the most dependable ways to grow wealth over time. With each payment, you’re building equity and creating a stronger financial foundation. It’s not just buying a house...

03/20/2026

On Wednesday, the Fed Governors voted 11–1 to maintain current rates.

Updated economic projections indicate that a majority of Fed Governors anticipate a single rate cut by the end of 2026.

03/06/2026

Mortgage Rates Tick Up on Iran Conflict

Interest rates rise a .25% since the bombing started last weekend
A week ago mortgage rates were nearing the mid 5% and today just under 6%. The conflict sparked a surge in global oil prices, reigniting fears of persistent inflation that could force the Federal Reserve to keep interest higer for longer.

02/19/2026

Last Thursday, Mortgage Bond Prices Make the Biggest One Day Move since 2024. And Mortgage Rates Drop to lows we haven't seen since 2022. click link below for interest rates

On Wednesday, the Bureau of Labor Statistics (BLS) released January’s employment data, reporting that 130,000 jobs were created. The market, initially, took this as an inflationary signal, and rates spiked immediately.

Markets digested the numbers overnight and reflected back to 2025 when the BLS revised its numbers lower by a staggering total of 862,000 jobs. Then rates dropped the next day.

Interest Rates: https://conta.cc/4kJBq4j

Email from Max Mortgage LLC Mortgage Update Financing Homes Since 1999 Today's Rates & Mortgage News 2/17/26 Last Thursday Mortgage Bond Prices Make the Biggest One Day Move since 2024 And Mortgage R

01/23/2026

https://conta.cc/4bhUxjy