Patty Villalobos, Mortgage Broker - NMLS #247845

04/15/2025

De Novios
❤️

03/18/2025

Looking to Purchase, Refinance or a HELOC?Not all Mortgages are created equal. I can help you find the right one for you! 🏡☘️🌈

03/17/2025

📊 BREAKING: Mortgage rates have dropped to their lowest level in 5 months!

This is huge news for potential homebuyers who’ve been waiting on the sidelines. With rates becoming more favorable, now might be the perfect time to jump back into the housing market.

Industry data reveals the average loan size among buyers has hit a record high - suggesting people are feeling confident enough to make larger investments.

Ready to explore your options? Let’s connect and discuss how this market shift could benefit your homeownership goals!



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11/20/2024

09/02/2024

Beautiful Mia’s Quinceañera, may your life always be full of rainbows and sunshine!! 💕💐🌸

05/11/2024

Feliz Día De Las Mamacitas!! 💐💕

Yo tengo la fortuna de tener a una Mami amorosa, paciente, trabajadora, luchona y que a la que nada se le ase imposible… bueno menos atinarle con la “chancla” 😆😅🩴🩴 Te amo Mami!! 💕Gracias por todo lo que haces por nosotros 💐🫶🏼

🇲🇽🌹❤️

03/25/2024

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗠𝗮𝗿𝗰𝗵 𝟮𝟱, 𝟮𝟬𝟮𝟰

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝗱 👍
Rates actually improved last week when the Fed continued to project three rate cuts for 2024 and more to come in 2025. The Fed also signaled that it wasn't yet concerned with the recent uptick in inflation and still felt that it would have no need to raise rates further in this tightening cycle, and left its policy rate unchanged.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗮𝘆 𝗶𝗺𝗽𝗿𝗼𝘃𝗲 👍
This week is a holiday shortened week that is unlikely to see rates make any significant moves, but we could see slight improvement. The latest trend is that rates may slowly improve ahead of April's labor and inflation data, as markets start to see a June Fed rate cut as more likely after the latest Fed meeting.

🗓️ 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Economic data: Although there are some mid tier economic reports that will come out this week, the PCE inflation data comes out on Friday when markets will be closed for Good Friday and we are not likely to see a reaction to that data until Monday. It is unlikely rates move much on this week's data.
- Holiday weekend: Markets close early on Thursday and will be closed on Friday, meaning that most lenders will not change rates after Thursday until next week.

03/18/2024

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗠𝗮𝗿𝗰𝗵 𝟭𝟴, 𝟮𝟬𝟮𝟰

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Mortgage rates moved quite a bit higher last week, giving up all of the gains seen earlier in March. Rates moved higher due to hotter inflation and strong economic data that make it much less likely the Fed will need to cut rates anytime soon.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝘄𝗶𝗹𝗹 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 𝗮𝗻𝗱 𝗰𝗼𝘂𝗹𝗱 𝗺𝗼𝘃𝗲 𝗵𝗶𝗴𝗵𝗲𝗿 ⚠️
This week has the potential to open the door for rates to move even higher, or to settle back down a bit, depending on how Wednesday's Fed meeting and press conference play out.

🗓️ 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Fed meeting: Wednesday at 2pm ET, the Fed is expected to leave policy rates unchanged, but will signal what may come at future meetings in its policy statement.
- Fed rate forecasts: At this meeting, Fed members will make their anonymous forecasts for where policy rates will end this year and the next few years. The last projection was for three Fed rate cuts in 2024, and if that falls to two cuts it could pressure mortgage rates higher.
- Powell press conference: Fed Chair Jerome Powell's press conference at 2:30pm ET Wednesday is likely to cause volatility in mortgage rates, causing lender repricing and setting the direction for rates over the next few weeks.

03/14/2024

I’m thrilled to announce that I’ll be presenting in the Real Estate Planning Workshop this Today , March 14th, from 6-7:30pm!

This workshop is part of a FREE online financial workshop series, and open to everyone interested in learning more about purchasing your 1st Home & real estate planning. I encourage you to share this with friends, family, or anyone who could benefit from this valuable information. Be sure to register soon to secure your spot!

✨ For more details and registration, please visit nlbwa-la.org/womeninwealth

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03/11/2024

Join us this Thursday March 14th from 6-7:30pm for our Real Estate Planning Workshop with speaker Patty Villalobos!

This event is a FREE online financial workshop series open to the public!

We invite you to share this with anyone who would benefit from this program.

Register Today! ✨
nlbwa-la.org/womeninwealth