United Mortgage Lending

04/22/2026

04/17/2026

Mortgage Market Update — April 17, 2026

Heading into the weekend, here's where things stand if you're buying, selling, or advising clients:

Where rates are today
30-year fixed conventional is running ~6.00%–6.30%, with FHA still dipping below 6% for strong scenarios. That's down about 25 basis points in the past two weeks and meaningfully better than last April, when the 30-year was sitting around 6.83%.

What's moving rates
The current U.S./Israel/Iran ceasefire has pulled oil back under $100/barrel and eased inflation worries, which helped the 10-year Treasury settle into the low 4s — and that's why mortgage pricing improved.

What to watch
April 22 — ceasefire expiration. If it breaks, rates likely move up fast.
April 29 — Fed meeting. Markets are pricing in ~99% odds of no cut, so don't expect big drops short-term.

Got a scenario you want real numbers on? Call me anytime this weekend — I'm available.
📞 502-649-6247
🏠 Serving KY, IN, TN, and FL
NMLS #112763 | Company NMLS #1981098

11/18/2025

Buying your first home doesn’t have to feel overwhelming. 🏠✨
Our team helps first-time buyers understand their options, get pre-approved, and move through the process with confidence.

Here are a few things many new buyers don’t realize:

You don’t need 20% down — some programs allow 3%. 💡

Down-payment assistance and gift funds are often allowed. 🎁

Credit requirements may be more flexible than you think. 📊

A strong pre-approval helps your offer stand out. 📝

When you're ready to take the next step, we’re here to guide you — with clear answers, not pressure. 🤝

Call us anytime 502-649-6247 or message us.

11/14/2025

Here's a quick glance at mortgage rates from yesterday. Reach out to discuss options for purchasing, refinancing, etc. These are national averages and we run below these averages.

Mortgage rates rose somewhat sharply following the late October Fed meeting but have been in a relatively narrow range so far in November.  The range is so narrow, in fact, that yesterday's aver...

08/29/2025

Mortgage rates have been trending down recently—great news for buyers and refinancers! Thinking about making a move? Now might be your time. 🏡

There is no singular, official primary source for mortgage rate levels. The going rate is whatever can be locked/closed at any given lender. As such, we rely on surveys and data aggregations in order ...

06/27/2025

First-time homebuyer? Let me help you make the right mortgage decisions to keep your finances strong. Call today! 502-649-6247

06/21/2025

🚨 OUR MORTGAGE RATES HAVE DROPPED! 🚨

Thinking about buying, refinancing, or getting pre-approved?
Realtors — help your clients get the best deal on the market!

Don’t make a decision without getting a quick quote from us first.
Our rates are beating many big-name lenders, and that could mean serious savings on your monthly payment. 🏡💸

✅ Same-day pre-approvals
✅ Fast, no-pressure quotes
✅ Bilingual support available
✅ Personalized guidance — never one-size-fits-all
✅ Available this weekend to run numbers or answer questions

Before you lock in anywhere else, let us show you what’s possible.
It’s free, fast, and could save you thousands.

Let’s see what you qualify for and get you the lowest rate on the market. Just call or text us all weekend. 502-649-6247.

Send a message to learn more

06/11/2025

We're back with our 1% Conventional Down Payment for qualified buyers. Reach out today to learn more and see if you qualify. 502-649-6247

05/30/2025

🚨 Rate Drop Alert! 🚨
Thinking about buying a home? Now might be the perfect time to take the next step.

Rates dipped slightly today after softer economic data — a small change that could make a big difference in your monthly payment 💸

If you haven’t gotten pre-approved yet, we’ve got you covered. We make it fast, simple, and no-pressure.

✅ Real pre-approvals (not estimates)
✅ Access to better rates through multiple lenders
✅ Ready to go when the right home hits the market

📱 Text or call me this weekend if you're ready to see what you qualify for:
John Shunnarah – (502) 649-6247
NMLS #112763 | United Mortgage Lending
🌐 unitedml.com

Send a message to learn more

05/21/2025

Nestled in the desirable Cherosen Hills neighborhood, this expansive 5 bed home offers incredible potential on a large, wooded lot that provides privacy and a serene natural backdrop. Enter into the welcoming foyer that leads into a formal living room, perfect for entertaining or relaxing. The forma...