Manresa Mortgage: Michael Burwell, Mortgage Broker NMLS #251847

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Manresa Mortgage: Michael Burwell, Mortgage Broker NMLS #251847 Mortgage Experts providing same day loan approval! Self-Employed specialists Direct Mortgage Lender without the red tape of larger National Banks.

Better Rates, Better Service, Local People.

08/26/2026

Starting a new job while buying a home? Here’s what I want you to know. 👇

Please talk to me before you put in your notice. 😅

Changing jobs doesn’t automatically mean you can’t buy a home, but the timing matters.

If you’re starting a new job, I’m going to need to know:

👉 When is your last day at your current job?
👉 When does the new job officially start?
👉 What will your new pay be?
👉 Are there any conditions you still have to complete?
👉 When are we planning to close?

Depending on your loan type, we may also need an offer letter and additional documentation before we can use that new income to qualify.

This is one of those situations where I’d much rather you call me before making the change than tell me after everything is already in motion. 😂

Changing jobs? Moving money around? Making a big purchase?

When you’re buying a home, keep your loan officer in the loop. A quick conversation can save us both a headache later. 🙌

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗔𝘂𝗴𝘂𝘀𝘁 𝟮𝟰, 𝟮𝟬𝟮𝟲𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝘄𝗼𝗿𝘀𝗲 👎Although mortgage rates crept sl...
08/24/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗔𝘂𝗴𝘂𝘀𝘁 𝟮𝟰, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝘄𝗼𝗿𝘀𝗲 👎
Although mortgage rates crept slightly higher, the move was small and rates really aren't much different from where they've been the last few weeks.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝘄𝗼𝗿𝘀𝗲𝗻 👎
Rates aren't likely to make any big jumps this week, but could creep a little higher depending on oil prices and the outlook for long term bond yields. If yields rise, mortgage rates will creep higher with them. The most likely way we could see rates surprise us and move lower would be a breakthrough in the Middle East that helps drive oil prices down.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
• The Middle East: There's no end in sight for the impasse with Iran, which means we're unlikely to see an increase in shipping traffic through the Strait of Hormuz that would help bring oil prices down. Elevated oil prices will continue to put upward pressure on mortgage rates.
• The Treasury: Treasury Secretary Scott Bessent is looking for ways to bring down longer-term bond yields, which could help keep mortgage rates from moving much higher or even help them improve slightly. However, it would take something significant to push bond yields much lower and bring mortgage rates down.

08/19/2026

Wait… you need to do WHAT before you start looking at houses? 🏡

𝗚𝗲𝘁 𝗽𝗿𝗲-𝗮𝗽𝗽𝗿𝗼𝘃𝗲𝗱.

I know, I know. Looking at houses is the fun part.

But getting pre-approved 𝗯𝗲𝗳𝗼𝗿𝗲 you start house hunting can help you:

🏡 Know what price range makes sense for your budget
💰 Get a better idea of what your monthly payment could look like
📄 Catch any financing issues before you find a house you love
🤝 Show sellers that you’re serious and ready to buy
⚡ Be ready to make an offer when the right house comes along

Because the last thing you want is to fall in love with a home and then start figuring out the financing.

𝗣𝗿𝗲-𝗮𝗽𝗽𝗿𝗼𝘃𝗮𝗹 𝗶𝘀𝗻’𝘁 𝗷𝘂𝘀𝘁 𝗮𝗻𝗼𝘁𝗵𝗲𝗿 𝘀𝘁𝗲𝗽. 𝗜𝘁’𝘀 𝘆𝗼𝘂𝗿 𝗴𝗿𝗲𝗲𝗻 𝗹𝗶𝗴𝗵𝘁 𝘁𝗼 𝘀𝘁𝗮𝗿𝘁 𝘀𝗵𝗼𝗽𝗽𝗶𝗻𝗴. 🟢

Thinking about buying? Reach out to me 𝗯𝗲𝗳𝗼𝗿𝗲 you start scrolling through homes.

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗔𝘂𝗴𝘂𝘀𝘁 𝟭𝟳, 𝟮𝟬𝟮𝟲𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝗱 👍Mortgage rates started the we...
08/17/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗔𝘂𝗴𝘂𝘀𝘁 𝟭𝟳, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝗱 👍
Mortgage rates started the week moving higher, but fell after both consumer and wholesale inflation data for July showed prices moderating across a range of goods and services, reducing the chances that the Fed will hike its policy rate in September.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝘄𝗼𝗿𝘀𝗲𝗻 👎
There's not much economic data that could move rates this week, which will leave markets to follow headlines instead. Although it is unlikely rates will move much lower from here, the good news is that they are also unlikely to make any big jumps this week. However, they could creep slightly higher.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
• The Middle East: Oil prices remain elevated but continue to hold steady. If Brent crude remains below $90/barrel, that will help keep mortgage rates from moving significantly higher. However, if oil prices increase this week, expect mortgage rates to increase as well.
• The Fed: Markets recently were pricing in the likelihood of a Fed rate hike at the September meeting. Markets are now speculating that a rate hike isn't likely until the December meeting, which has taken some pressure off mortgage rates because they generally price in expected Fed action early.

08/12/2026

Rent keeps going up… but what are you getting for that extra money? 📈🏠

Buying a home can help you get off the rent cycle.

Rent can increase – Your landlord may raise your rent when it is time to renew.
You can build equity – Each mortgage payment can help you build ownership in your home.
Your home may grow in value – If your home becomes worth more over time, that can help build wealth.
You get something that is yours – Instead of paying more rent year after year, you are putting money toward a home you own.

If your rent keeps going up, it may be worth finding out what buying could look like.

You might be closer than you think. 🏡💰

DM me and let's look at the numbers together.

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗔𝘂𝗴𝘂𝘀𝘁 𝟭𝟬, 𝟮𝟬𝟮𝟲𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝗱 👍Mortgage rates moved lower last week, ...
08/10/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗔𝘂𝗴𝘂𝘀𝘁 𝟭𝟬, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝗱 👍
Mortgage rates moved lower last week, despite a lack of progress reopening the Strait of Hormuz and oil prices remaining elevated. Many lenders improved rate sheets after Friday's big miss in the jobs data, with a net loss of jobs making it unlikely the Fed will hike rates at next month's meeting.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗶𝗺𝗽𝗿𝗼𝘃𝗲 👍
Rates this week will take their cue from inflation, while also being influenced by developments in the Middle East. It's possible rates may improve a bit, but don't expect any big moves. There is also the risk that if inflation comes in higher than expected, markets could react poorly and rates would likely creep higher.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
• Inflation: Wednesday brings the CPI consumer inflation report, and Thursday brings the wholesale PPI inflation report. Both are expected to show inflation cooled slightly in July, which could help mortgage rates if that proves to be the case.
• The Middle East: If oil prices continue moving higher, mortgage rates will likely move higher as well. If a deal to reopen the Strait of Hormuz is announced, oil prices would likely fall and mortgage rates would benefit.

Getting your offer accepted is exciting... but you're not at the finish line yet.Sometimes you can accidentally create d...
08/05/2026

Getting your offer accepted is exciting... but you're not at the finish line yet.

Sometimes you can accidentally create delays or even lose the deal...

Common mistakes include:
• Opening a new credit card
• Financing furniture or a car
• Changing jobs
• Moving large amounts of money between accounts
• Making big cash deposits
• Waiting too long to send requested documents

The good news? Almost all of these can be avoided with a quick conversation before you make a financial move. Save this post so you know what to avoid, message me if you have any questions, and send it to someone who's buying a home this year.

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗔𝘂𝗴𝘂𝘀𝘁 𝟯, 𝟮𝟬𝟮𝟲𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗵𝗶𝗴𝗵𝗲𝗿 👎Mortgage rates were volatile last w...
08/03/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗔𝘂𝗴𝘂𝘀𝘁 𝟯, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Mortgage rates were volatile last week, improving through the middle of the week before jumping on Friday to end slightly higher.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗶𝗺𝗽𝗿𝗼𝘃𝗲 👍
Rates are starting the week a little better, reflecting a drop in oil prices and speculation that the Strait of Hormuz could reopen soon. Labor data this week could play a role in daily mortgage pricing, with Friday's BLS jobs report expected to have the biggest effect. Rates could improve this week, but don't expect any big moves.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
• Oil prices: Oil prices continue to be a major driver of mortgage bonds, which lenders use to determine mortgage rates, and can push rates higher or lower.
• Labor data: This week brings a different labor report each day, although many will play only a small role in mortgage rates. Friday's BLS jobs report is the one to watch and could have the biggest effect. If it shows the labor market weakened in July, mortgage rates could improve.
• The Fed: Mortgage rates continue to reflect the possibility of a Fed rate hike at September's meeting. If markets become more confident a hike won't be needed to fight inflation, mortgage rates could improve a bit.

𝗗𝗼𝗻'𝘁 𝗹𝗲𝘁 𝗷𝘂𝘀𝘁 𝗴𝗲𝘁𝘁𝗶𝗻𝗴 '𝗽𝗿𝗲𝗾𝘂𝗮𝗹𝗶𝗳𝗶𝗲𝗱' 𝗰𝗼𝘀𝘁 𝘆𝗼𝘂 𝘆𝗼𝘂𝗿 𝗰𝗵𝗮𝗻𝗰𝗲 𝗮𝘁 𝗮 𝗵𝗼𝗺𝗲!𝗜𝗻𝘀𝘁𝗲𝗮𝗱, 𝘆𝗼𝘂 𝗺𝗮𝘆 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝘄𝗮𝗻𝘁 𝘁𝗼 𝗴𝗲𝘁 𝗽𝗿𝗲𝗮𝗽𝗽𝗿𝗼𝘃𝗲𝗱.W...
07/29/2026

𝗗𝗼𝗻'𝘁 𝗹𝗲𝘁 𝗷𝘂𝘀𝘁 𝗴𝗲𝘁𝘁𝗶𝗻𝗴 '𝗽𝗿𝗲𝗾𝘂𝗮𝗹𝗶𝗳𝗶𝗲𝗱' 𝗰𝗼𝘀𝘁 𝘆𝗼𝘂 𝘆𝗼𝘂𝗿 𝗰𝗵𝗮𝗻𝗰𝗲 𝗮𝘁 𝗮 𝗵𝗼𝗺𝗲!

𝗜𝗻𝘀𝘁𝗲𝗮𝗱, 𝘆𝗼𝘂 𝗺𝗮𝘆 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝘄𝗮𝗻𝘁 𝘁𝗼 𝗴𝗲𝘁 𝗽𝗿𝗲𝗮𝗽𝗽𝗿𝗼𝘃𝗲𝗱.

What is the difference? 🤔

👉 Getting prequalified is the process of providing a mortgage lender with some background information like your credit, income, and expenses so the lender can help you determine how much you can afford and what you are likely to qualify for.

👉 A preapproval, however, means you've provided the lender with proof of your income and assets and had a credit check to determine exactly how much you can be approved for. In some cases, a preapproval can show you are approved for a loan before making an offer, which makes your offer stronger and could help you win a bidding war.

𝗪𝗵𝗶𝗰𝗵 𝗼𝗻𝗲 𝗶𝘀 𝗿𝗶𝗴𝗵𝘁 𝗳𝗼𝗿 𝘆𝗼𝘂? 𝗚𝗶𝘃𝗲 𝗺𝗲 𝗮 𝗰𝗮𝗹𝗹 𝗼𝗿 𝗰𝗼𝗻𝘁𝗮𝗰𝘁 𝗺𝗲 𝗱𝗶𝗿𝗲𝗰𝘁, 𝗮𝗻𝗱 𝗜'𝗹𝗹 𝗯𝗲 𝗵𝗮𝗽𝗽𝘆 𝘁𝗼 𝗵𝗲𝗹𝗽 𝘆𝗼𝘂 𝗱𝗲𝗰𝗶𝗱𝗲. 👍

I can provide either one, depending on your unique situation and where you are in the house hunting process. The best part? The conversation is absolutely free, and there's no obligation. 🏡 😁

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗝𝘂𝗹𝘆 𝟮𝟳, 𝟮𝟬𝟮𝟲𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗵𝗶𝗴𝗵𝗲𝗿 👎Mortgage rates moved higher last wee...
07/27/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗝𝘂𝗹𝘆 𝟮𝟳, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Mortgage rates moved higher last week, reaching their worst levels of the year for many lenders. Rates were pushed higher by spiking oil prices and speculation that the Fed would hike its policy rate at this week's meeting or at its next meeting in September.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
This week is starting with some optimism that rates could improve, as military strikes in the Middle East have paused and oil prices have fallen. However, it's tough to predict how markets will react to this week's Fed meeting and press conference. Rates could move either way, depending on what happens in the Middle East and how markets respond to the Fed.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
• Oil prices: Oil prices continue to be a major driver of mortgage bonds, which lenders use to determine mortgage rates.
• Fed meeting: The Fed meeting concludes Wednesday afternoon with the Fed's rate decision and policy statement, followed by Fed Chair Kevin Warsh's press conference. Warsh has said he will not provide markets with forward guidance on future Fed actions, leaving traders to interpret his comments, which could create some volatility in mortgage rates.

Address

3875 Taylor Road, Suite B
Loomis, CA
95650

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Tuesday 8am - 9pm
Wednesday 8am - 9pm
Thursday 8am - 9pm
Friday 8am - 9pm

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