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Manresa Mortgage: Michael Burwell, Mortgage Broker NMLS #251847

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Loomis, CA
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.

01/12/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗝𝗮𝗻𝘂𝗮𝗿𝘆 𝟭𝟮, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗹𝗼𝘄𝗲𝗿 👍
Mortgage rates took a big step lower on Friday after markets reacted to a social post by President Trump saying he would instruct Fannie Mae and Freddie Mac to purchase $200 billion in mortgage bonds. The announcement overshadowed the jobs data and quickly shifted market focus. While no details have been released and no purchases have occurred yet, mortgage rates have already begun pricing in the expected bond buying.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
Mortgage rates may be volatile this week, depending on if more details come out about the proposed bond purchases or if traders start to doubt the moves and shed some of the mortgage bonds purchased last week. If no new information comes out, rates will possibly creep up a bit this week. It is important this week to act with urgency and speak with your mortgage professional, these rates may not hold long.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Mortgage bond market: Mortgage rates are currently pricing in expectations of coming mortgage bond purchases, and any news about this plan could affect rates.
- CPI inflation data: Not as big of a market mover as usual, but still could affect mortgage rates this week.

01/07/2026

Wouldn’t it be nice to know your budget before falling in love with a house? 👀 Pre-approval protects your time, emotions, and expectations.

Imagine you are scrolling through houses, knowing you have a high chance of finding one you'd love to live in!

🏡 Let’s get you clear on your numbers so home shopping actually feels exciting.

01/05/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗝𝗮𝗻𝘂𝗮𝗿𝘆 𝟱, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗿𝗲𝗺𝗮𝗶𝗻 𝗹𝗼𝘄 👍
Mortgage rates ended the year near their best levels, with little movement as markets stayed calm during the year-end holidays.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗶𝗺𝗽𝗿𝗼𝘃𝗲 👍
Markets return to full trading this week, with plenty of economic and labor market data on the calendar. Rates aren’t expected to move much overall, but we could see small day-to-day changes as the data is released, especially later in the week. Expected weakness in the labor data could help rates improve slightly this week.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Labor market data: This week brings the first regular release of labor data since the government shutdown, starting with Wednesday's job opening and labor turnover survey, and ADP private payroll data. Thursday will bring unemployment claims, which the last few weeks have shown companies are hesitant to lay off current workers even though hiring is down. Friday's BLS jobs data will have the most effect on mortgage rates, and signs of further labor market softening could help rates improve.
- Other economic data: Some smaller reports this week could have a lesser effect on mortgage rates for the week, and aren't likely to cause any bigger moves in rates.

12/31/2025

Happy New Year! 🎆
I hope everyone is starting the year feeling excited and hopeful. Let’s make memories, take action on our plans, and enjoy the journey this year brings. 🏡

12/29/2025

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗗𝗲𝗰𝗲𝗺𝗯𝗲𝗿 𝟮𝟵, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘄𝗲𝗿𝗲 𝗰𝗮𝗹𝗺 👍
Mortgage rates were essentially unchanged for the week, with little market activity to move them. Markets closed early on Christmas Eve and were closed on Christmas, and activity remained light on Friday. Rates stayed near the lowest levels of the year.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝘄𝗶𝗹𝗹 𝗯𝗲 𝗰𝗮𝗹𝗺 👍
Rates are likely to remain relatively unchanged for a second straight week, as markets close early on Wednesday and remain closed on Thursday for New Year’s. While this week should stay calm, volatility could pick up early next week as traders return to work and fresh economic and labor market data is released. If you're currently in process, it's a good idea to check in with your mortgage professional this week to discuss the best time to consider locking in a rate.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- New Year's holiday: Markets close at 2pm ET on Wednesday and are closed all day Thursday. Friday resumes normal trading; however, volume is usually extremely low as traders remain home for the holidays.
- Economic data: There is very little relevant data this week that will affect rates, and almost all of it will come on Tuesday.

12/22/2025

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗗𝗲𝗰𝗲𝗺𝗯𝗲𝗿 𝟮𝟮, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝗯𝗲𝘁𝘁𝗲𝗿 👍
Mortgage rates improved last week after unemployment moved higher and inflation moved lower. Rates didn’t change much overall, but there was some improvement for the week, as inflation generally pressures rates higher and data showing inflation came in lower than expected helped rates move slightly lower.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝘄𝗶𝗹𝗹 𝗯𝗲 𝗰𝗮𝗹𝗺 👍
Rates are not likely to move much between now and the end of the year, as traders generally take off the last couple of weeks of the year for the holidays. In fact, there will be no important economic data until January, when fresh jobs data from December is reported. This week is likely to see little or no movement in rates, nor will next week with the New Year’s holiday.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Christmas holiday: Markets close at 2pm ET on Wednesday and are closed all day Thursday. Friday resumes normal trading; however, volume is usually extremely low as traders remain home for the holidays.
- Economic data: Only Tuesday brings any economic data this week, and it is unlikely mortgage rates will react to the final Q3 GDP figures. It should be a calm week with little data.

12/17/2025

If your home loan process has felt messy, stressful, or all over the place — you’re not imagining it 😤

That’s when it’s time to slow down, breathe, and let me work my Mr. Miyagi loan magic 🥋💼
Because not every loan comes in perfect… and that’s okay.

Some of us don’t just close loans...
We fix them, we clean them up, and we get people across the finish line.

If your situation feels messy or complicated, you’re not alone. I am used to it :)
There’s almost always a way forward. 🏡💬

Need a second opinion? My inbox is open.

12/15/2025

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗗𝗲𝗰𝗲𝗺𝗯𝗲𝗿 𝟭𝟱, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝘄𝗼𝗿𝘀𝗲 👎
Mortgage rates were volatile last week, as expected. Rates started slightly higher but improved after the Fed meeting. That improvement wasn’t driven by the policy rate cut itself, which had already been priced in, but by Chair Powell’s comments during his press conference signaling the Fed could be open to additional cuts in 2026 if the data supports it.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝘄𝗶𝗹𝗹 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
Rates face another potentially volatile week as delayed labor market and inflation data is released in the same week following the shutdown. While day-to-day movement is likely, there shouldn’t be any major moves pushing rates significantly higher or lower.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Labor data: Tuesday brings November jobs data, including number of new jobs created and unemployment figures. The forecast is for a low jobs number, and if the report comes in higher it could be bad for rates.
- Inflation data: This week brings a fresh look at inflation, which could help mortgage rates if the data comes in lower than expected. However, if inflation remains stubbornly above the Fed’s target, the numbers could instead put upward pressure on rates.

12/10/2025

You don’t need perfect paperwork, a 9-5 job, or a textbook situation to make this work. There are more ways than most people realize, and I can help you figure out what fits your real life, not some ideal scenario.

If you’ve got questions or you’re just wondering what’s even possible, reach out.

No pressure, no judgment.

Just a simple conversation about your situation and what can be done. 🏡💬

12/08/2025

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗗𝗲𝗰𝗲𝗺𝗯𝗲𝗿 𝟴, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝘄𝗼𝗿𝘀𝗲 👎
Mortgage rates lost a bit of ground last week, although it really wasn't much. Mortgage rates continued to reflect the expectation of a Fed policy rate cut this week, and there was little reaction to the limited amount of economic data for the week, including inflation data.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝘄𝗶𝗹𝗹 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
Rates still appear to have limited room for improvement, though that could change depending on the market’s reaction to Wednesday’s Fed meeting. Still, there’s a strong possibility we see a repeat of the last two Fed meetings, when mortgage rates moved higher afterward.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- The Fed: Markets expect the Fed to cut its policy rate by a quarter percent at this week’s meeting, but mortgage rates already reflect that cut and won’t move lower because of it. Instead, if markets sense the Fed may be done cutting for a while, the reaction could put upward pressure on mortgage rates.
- Fed Powell's press conference: Mortgage rates usually make the biggest move after the Fed meeting, during Fed Chair Jerome Powell's press conference. This could be especially true this week as Powell is asked about future Fed plans heading into 2026.

12/03/2025

Feeling stuck between high home prices and mortgage rates? 😩
You’re not alone, and honestly, it makes sense to feel that way. Many people feel like they’re being forced to choose between two hard options right now.

But here’s the thing I want you to really hear: the real cost of waiting is usually the part no one sees.
🏡 Prices don’t usually drop the way we wish they would
📈 Rates don’t always move on our timeline
💸 And every extra year of renting is money we never get back

I don’t want you stressing yourself out trying to time the “perfect” moment; that moment rarely exists.
What does exist is a strategy that actually supports your life, your timing, and your budget.

Let’s look at your numbers, slow things down, and talk through what makes sense for you.
You deserve clarity, confidence, and a plan, not more confusion. 💬

12/01/2025

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗗𝗲𝗰𝗲𝗺𝗯𝗲𝗿 𝟭, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝗱 👍
Mortgage rates continued to improve last week ahead of the holiday, and although rates only moved slightly lower they were near the best levels seen since October.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝘄𝗼𝗿𝘀𝗲𝗻 👎
Rates may creep back up a bit this week, or at best will likely stay near current levels. It's tough to imagine mortgage rates can move much lower in the next couple of weeks, especially understanding that mortgage rates already reflect expectations that the Fed will cut policy rates one more time at its December meeting.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Economic data: This week should have been a week filled with important labor market data ahead of next week's Fed meeting, but due to the government shutdown most of the reports have been delayed until later this month. However, there is still some data this week that could influence mortgage rates depending on how strong it shows the labor market and economy to be.
- The Fed: Markets are currently betting on a Fed policy rate cut at its next meeting, which is why mortgage rates have moved lower from earlier in November. If anything were to cause doubt about a coming cut, it could pressure mortgage rates slightly higher once again.

Address

3875 Taylor Road, Suite B
Loomis, CA
95650

Opening Hours

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

Telephone

+19168727975

Website

http://www.michaelburwellmortgage.com/

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