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What Are Rates At 📉 What are rates at? Find out. 🏆 20yr Mortgage Veteran 🏠 Real Stories. Real Rates. No BS. 👇 Rates & Loan Apps: NMLS # 274080 | Econ NMLS # 170916

10/09/2026

📉 Surprising Mortgage Rate Drop Ahead of Columbus Day Weekend! 📊

Going into a three-day weekend where banks and the bond market are closed for Columbus Day, you'd normally expect lenders to pad their rates. Instead, we saw a surprise improvement on all government loan programs! With no major economic data until next Wednesday, the bond market is entirely at the mercy of inflation—and a drop of less than two dollars a barrel in oil prices was all it took to make this happen.

Whether you're looking at a purchase, refinance, or reverse mortgage, let's see how these shifting rates impact your buying power. Reach out today to get pre-qualified!

📞 Call or Text: 801-682-5626

📧 Email: [email protected]

🌐 Website: whatareratesat.com

Today's Rate Sheet
FHA: 6.500% (APR 7.356%)

Conventional: 7.125% (APR 7.265%)

VA: 6.499% (APR 6.837%)

USDA: 6.375% (APR 6.955%)

Parameters: Based on 30-year fixed, $400k, 760 FICO, prim. res. Conv: 20% down, FHA: 3.5% down, VA/USDA: $0 down.
Date: October 9, 2026 📅
NMLS #: 274080
Econ Mortgages NMLS #: 1709162
Contact: 📧 [email protected] | 🌐 whatareratesat.com | Phone: 801-682-5626

10/08/2026

📉 Fed Minutes, Oil, & Today's Mortgage Rates 📊

Things might get a little tricky on Friday. Even though the stock market is open on Monday, the bond market and banks are closed for Columbus Day, which typically means you'll see banks padding rates ahead of the holiday weekend.

Aside from that, we don't have any major economic news right now, meaning we are completely at the mercy of inflation—and by extension, what oil pricing does. If oil goes up, rates go up; if oil goes down, rates go down. 🛢️

I've actually got a client out looking right now, and it really highlights how fast things change. When we first started this process, rates were at 6.25% (APR 7.025%) and now they're at 6.625% (APR 7.479%), which means their buying power shifted from $525,000 down to $510,000. If you're out house hunting right now, you need to be very leery of how rate changes impact your budget!

And if you haven't had me qualify you yet, you really should. Because my rates and fees are lower, your buying power is likely going to be greater with me than wherever else you got pre-approved.

Whether it's a purchase or a refinance, I’m here to help you—so please let me. Call, text, or email me today! 🤝🏠📞 801-682-5626

Today's Rate Sheet
FHA: 6.625% (APR 7.479%)

Conventional: 7.125% (APR 7.265%)

VA: 6.625% (APR 6.964%)

USDA: 6.490% (APR 7.074%)

Parameters: Based on 30-year fixed, $400k, 760 FICO, prim. res. Conv: 20% down, FHA: 3.5% down, VA/USDA: $0 down.
Date: October 8, 2026 📅
NMLS #: 274080
Econ Mortgages NMLS #: 1709162
Contact: 📧 [email protected] | 🌐 whatareratesat.com | Phone: 801-682-5626

10/07/2026

📉 Fed Minutes, Oil, & Today's Mortgage Rates 📊

The Fed has hinted that we need to keep rates up to fight off inflation. With this being the only economic report this week, and we won't have another one until next Wednesday, pretty much any movement in rates is going to have to do with oil. Since oil is hovering around the same as it has all week, hopefully we get some improvement tomorrow! 🛢️🤞

Whether it's a purchase or a refinance, I’m here to help you—so please let me. Call, text, or email me today! 🤝🏠📞 801-682-5626 📧 [email protected]

Today's Rate Sheet
FHA: 6.625% (APR 7.479%)

Conventional: 7.125% (APR 7.265%)

VA: 6.625% (APR 6.964%)

USDA: 6.490% (APR 7.074%)

Parameters: Based on 30-year fixed, $400k, 760 FICO, prim. res. Conv: 20% down, FHA: 3.5% down, VA/USDA: $0 down.
Date: October 7, 2026 📅
NMLS #: 274080
Econ Mortgages NMLS #: 1709162
Contact: 📧 [email protected] | 🌐 whatareratesat.com | Phone: 801-682-5626

10/06/2026

🎂 Birthday Rate Update (In My Birthday Suit!)It's my birthday today, so in a wild gamble to go viral, I recorded today's market update in my birthday suit! 😂

On the numbers front, VA and USDA rates shifted slightly upward from yesterday. Just a quick heads up: I am taking today off, so please don't call me today—reach out tomorrow if you have any questions! 🛑

Today's Rate Sheet

FHA: 6.500% (APR 7.356%)
Conventional: 7.125% (APR 7.265%)
VA: 6.625% (APR 6.964%)
USDA: 6.375% (APR 6.957%)

Parameters: Based on 30-year fixed, $400k, 760 FICO, prim. res. Conv: 20% down, FHA: 3.5% down, VA/USDA: $0 down.
Date: October 6, 2026 📅
NMLS #: 274080
Econ Mortgages NMLS #: 1709162
Contact: 📧 [email protected] | 🌐 whatareratesat.com | Phone: 801-682-5626

10/05/2026

📈 Weekend Reprices & What's Next for Mortgage Rates 📉

If you saw those Friday morning gains vanish by the afternoon, you aren't imagining things. Investors quickly repriced for the worse just to cover their positions before the weekend—and those higher rates rolled right into this morning. 🔒

We’re heading into a unique 10-day window. With the Fed minutes dropping this Wednesday and practically no heavy-hitting economic reports until next week's inflation data, the market is somewhat flying blind. That means oil prices and broader inflation sentiment are going to dictate the ebb and flow of rates right now. 🛢️📊

Whether it's a purchase, refinance, first, or second mortgage, I’m here to help you make sense of the noise. Call, text, or email me at 801-682-5626 🤝

Today's Rate Sheet
FHA: 6.500% (APR 7.356%)

Conventional: 7.125% (APR 7.265%)

VA: 6.499% (APR 6.837%)

USDA: 6.375% (APR 6.957%)

Parameters: Based on 30-year fixed, $400k, 760 FICO, prim. res. Conv: 20% down, FHA: 3.5% down, VA/USDA: $0 down.
Date: October 5, 2026 📅
NMLS #: 274080
Econ Mortgages NMLS #: 1709162
Contact: 📧 [email protected] | 🌐 whatareratesat.com | Phone: 801-682-5626

10/02/2026

📈 Rare Mortgage Rate Improvement & Friday Market Reprice 📉

For the first time in I don't know how long, I can finally report that we have improvement on pricing on all government programs as well as conventional! 🎉 That came down to a much softer non-farm payrolls report showing fewer new jobs than expected, plus oil pulling back. 🛢️

Of course, while I was filming, I actually watched a reprice for the worse roll in—classic Friday behavior as investors hedge their positions before the weekend closure. 🔒

Have a great weekend, everyone! I’m here to help you whether it's a purchase, a reverse mortgage, or a second mortgage. Call or text me at 801-682-5626 🤝

Today's Rate Sheet
FHA: 6.375% (APR 7.229%)

Conventional: 7.000% (APR 7.138%)

VA: 6.375% (APR 6.711%)

USDA: 6.250% (APR 6.828%)

Parameters: Based on 30-year fixed, $400k, 760 FICO, prim. res. Conv: 20% down, FHA: 3.5% down, VA/USDA: $0 down.
Date: October 2, 2026 📅
NMLS #: 274080
Econ Mortgages NMLS #: 1709162
Contact: 📧 [email protected] | 🌐 whatareratesat.com | Phone: 801-682-5626

10/01/2026

Rates are up again today. 📊 We were hopeful that the labor data would give us some breathing room and let us string together a couple of days of market improvement, but that just wasn't the case. Between the ongoing sell-off in bonds, rising oil and energy costs 🛢️, and a resilient job market keeping pressure on the Fed, we're at where we're at.

Looking ahead to tomorrow, I’d be surprised if rates went down. We have another major jobs report landing right ahead of the weekend, and investors hate uncertainty—they want to cover their positions before the markets close. 🔒

I’ve been navigating this exact rat race for over 20 years, and market volatility like this is precisely why experience matters. Whether you're looking at a first mortgage, second mortgage, purchase, refinance, construction loan, or a reverse mortgage, I’m here to help you make sense of it all. 🏠 I’d be deeply grateful for the opportunity to help you navigate your financing. 🤝

Today's Rate Sheet
FHA: 6.500% (APR 7.356%) — Up .125%

Conventional: 7.125% (APR 7.264%) — Up .125%

VA: 6.500% (APR 6.836%)

USDA: 6.375% (APR 6.955%)

Parameters: Based on 30-year fixed, $400k, 760 FICO, prim. res. Conv: 20% down, FHA: 3.5% down, VA/USDA: $0 down.
Date: October 1, 2026 📅
NMLS #: 274080
Econ Mortgages NMLS #: 1709162
Contact: 📧 [email protected] | 🌐 whatareratesat.com | Phone: 801-682-5626

09/30/2026

Oil is down, GDP revisions helped, and inflation wasn't as bad as feared! 🙌 That gave us some great breathing room this morning—FHA saw nice improvement, USDA and Conventional held steady, and the tiny 0.001% increase on VA is basically a non-issue.

We aren't completely out of the woods yet with more labor data coming the rest of the week, but hopefully, we can string together a couple of days of stability! 📉📊

Whether buying a home, refinancing, or looking into a second mortgage to pay down high-rate debt—reach out, I'm here to help! 🏡🤝

Today's Rate Sheet:

FHA: 6.375% (APR 7.229%) — 3.5% down
Conventional: 7.000% (APR 7.138%) — 20% down
VA: 6.500% (APR 6.836%) — $0 down
USDA: 6.375% (APR 6.955%) — $0 down

📅 Date: September 30, 2026

📞 Phone: 801-682-5626
📧 Email: [email protected]
🌐 Website: whatareratesat.com

Equal Housing Opportunity 🏠 | NMLS # 274080 | Econ Mortgage NMLS # 1709162

09/29/2026

Rates are all over the place today as the market waits on the JOLTS job openings report! When pundits are unsure which way the data will break, we see some rates improve while others tick up. Watch for lender emails today: improvements mean a good report, while repricing for the worse means sticky numbers. 📊📈

Also, with credit card interest rates continuing to climb, looking into a second mortgage might be a smart strategy to significantly lower your monthly debt load. Whether you're a first-time buyer, a veteran, buying a new home, refinancing, or looking at a second lien—I'm here to help, so please reach out! 🏡🤝

Today's Rate Sheet:

FHA: 6.500% (APR 7.356%) — 3.5% down
Conventional: 7.000% (APR 7.138%) — 20% down
VA: 6.499% (APR 6.837%) — $0 down
USDA: 6.375% (APR 6.955%) — $0 down

📅 Date: September 29, 2026

📞 Phone: 801-682-5626
📧 Email: [email protected]
🌐 Website: whatareratesat.com

Equal Housing Opportunity 🏠 | NMLS # 274080 | Econ Mortgage NMLS # 1709162

09/28/2026

Spotted reprice-for-the-worse emails heading out the door Friday, and woke up to two more this morning! With no major economic reports on the calendar today, oil is driving the movement—and with oil up, rates ticked up accordingly. 📊📈

Comparing back to last Friday, conventional and FHA are holding steady, while VA and USDA are both up an eighth of a percent. Get ready for a roller coaster of a week: we've got jobs reports tomorrow, GDP revisions Wednesday, more labor data Thursday, and wage figures on Friday!

Whether it's a purchase or a refinance, I am here to help you navigate the ups and downs. Call or text me today! 🏡🤝

Today's Rate Sheet:

FHA: 6.375% (APR 7.229%) — 3.5% down
Conventional: 7.000% (APR 7.138%) — 20% down
VA: 6.500% (APR 6.837%) — $0 down
USDA: 6.375% (APR 6.955%) — $0 down

📅 Date: September 28, 2026

📞 Phone: 801-682-5626
📧 Email: [email protected]
🌐 Website: whatareratesat.com

Equal Housing Opportunity 🏠 | NMLS # 274080 | Econ Mortgage NMLS # 1709162

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Layton, UT
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