United Mortgage Lending

08/30/2026

Make sure you are ready when the right house comes along!!

08/29/2026

**Mortgage Rates: What's Actually Happening Right Now**

Rates ticked up for the second straight week — 30-year fixed now averaging 6.69%. Small move, but worth knowing if you're timing a purchase or refi.

Applications are down, but buyer activity isn't collapsing. Two reasons:

- Inventory is up — more negotiating room on closing costs, rate buydowns, price
- Price growth is cooling — you're not chasing a moving target like 2022-2023 buyers were

Waiting for a big rate drop before you buy usually means competing with more buyers once it happens. Right now you have leverage on price and terms that may not last.

- Buying: get pre-approved now, negotiate while inventory favors you, refinance later if rates drop
- Selling: price competitively — buyers have options and will act on the best deal
- Refinancing: get your break-even numbers ready so you can move fast if rates dip

Licensed in KY, IN, TN, and FL — reach out if you want a real read on your numbers.

502-649-6247
[email protected]
John Shunnarah | NMLS #112763
United Mortgage Lending Corp | NMLS #1981098

Call now to connect with business.

08/21/2026

Looking to purchase a rental property without income qualifying?

Check out our Debt Service Ratio loans.

Reach out 502-649-6247 to discuss.

We do these loan in almost all 50 states. 

08/18/2026

Looking to finance a rental property or Airbnb? It could be much simpler than you think! We have an option that qualifies based only on the rental income.

Debt Service Coverage Ration (DSCR) LOANS
Qualify using the rental income from the property — instead of traditional personal income documentation.

✅ Purchase or Refinance
✅ No W-2s or Tax Returns
✅ Great for Rental Property Investors

Have a deal you’re not sure will qualify? Let’s talk.
Call or Text us at (502) 649-6247 or email [email protected]

08/06/2026

🚨 Licensed Loan Officers: Ready for a Better Opportunity? 🚨

Your reputation is everything. The lender you choose—and the options you have—can make all the difference for your clients and your business.

At United Mortgage Lending, you're not expected to rely on a single lender. We give you access to multiple lending options so you can compete on price, product, and service.

🔥 Why Join United Mortgage Lending?
✅ In-house processing for faster, smoother closings
✅ A dedicated Spanish-speaking processor
✅ Leads provided to help you grow your pipeline
✅ Competitive compensation
✅ Remote work opportunities available
✅ The freedom to find the best loan solution for your clients

📍 Serving borrowers in Kentucky, Indiana, Tennessee, and Florida.

More options mean happier clients, stronger Realtor relationships, more referrals, and more opportunities to win business.

If you're looking for a company that puts both its Loan Officers and borrowers first, let's have a 100% confidential conversation.

📩 Send me a direct message or email [email protected] to learn more.

Close more loans. Build stronger relationships. Grow your business with United Mortgage Lending.

Send a message to learn more

06/26/2026

📉 **Mortgage Rates Are Ending the Week on a Positive Note!**

The average 30-year fixed mortgage rate is holding at **6.53%**—the **lowest level we've seen in more than a month!**

While there weren't any major economic headlines this week, increased demand in the bond market helped push rates lower. As we head into next week, however, several important economic reports—including the monthly jobs report—could create more movement in mortgage rates.

🏡 If you've been thinking about buying a home or refinancing, now may be a great time to explore your options before next week's economic data is released.

If you're curious about what today's rates mean for your buying power or monthly payment, I'd be happy to run the numbers for you—no obligation.

📞 (502) 649-6247
🌐 [www.unitedml.com](http://www.unitedml.com)

Send a message to learn more

06/19/2026

A refinance isn't just about getting a new interest rate. 🏡 It can be a valuable tool to help align your mortgage with your current financial goals and life circumstances. Whether your priorities have changed since you first purchased your home or you're looking for ways to make your equity work for you, it may be worth exploring your options. If you've been wondering whether a refinance makes sense for your situation, give us a call at (502) 649-6247 and let's chat!

06/16/2026

One of the biggest misconceptions about buying a home is that there's only one way to come up with a down payment. 🏡 The reality is that buyers often use a variety of resources to help make homeownership possible, depending on their unique financial situation. Understanding your options early can help you create a plan that feels achievable and aligned with your goals. If you're wondering what may be available to you, send me a message and let's talk through your home financing options!

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