Annisa Baker at Bell Bank Mortgage

11/03/2026

The Fed just met and they decided on no rate hike and no rate cut. So, what does that mean if you're watching and hoping for lower mortgage rates?

The short answer: don't expect this to dramatically change things.

For now, they’re holding steady. But a recent survey from Reuters asked 100 economists what to expect from here – and all 100 said the Fed will do a hike in December.

Now, the Fed doesn't directly set mortgage rates, but their actions do have an impact. Rates will also move based on inflation, economic data, and how financial markets react.

The takeaway? There’s a lot at play here – and we’ll probably see a hike the next time they meet.

Follow me for straightforward updates on what’s actually happening and why it matters for the housing market.

11/03/2026

Turning the calendar to November means new opportunities and plenty to be grateful for. Whether homeownership is on your wish list now or down the road, I’m here to help you understand your options when the time is right.

Reach out to start the conversation!

11/03/2026

5.0 star review received on Experience.com for Annisa Baker by Randal J R - Annisa was amazing threw the whole process Being first time buyers, had no clue and she was great explaining everything to us Huge thank you to Annisa

Click to see all 612 reviews of Annisa Baker, Senior Mortgage Loan Officer | NMLS # 238748

11/02/2026

The Home Insurance Move That Could Save You $440 a Year

When was the last time you shopped around for home insurance? Because that one move could save you hundreds of dollars a year.

With home insurance taking up a bigger chunk of monthly housing costs, that's an opportunity worth looking into.

And the numbers are pretty eye-opening.

According to Intercontinental Exchange, homeowners who switched insurance companies saved an average of $440 a year. Their premiums dropped 6.6%, while homeowners who stayed with their existing provider saw costs climb 10.4%.

That's a big difference just for shopping around.

And here's more good news: Home insurance costs are still rising, but the pace of those increases is finally slowing down.

So, what does this mean if you're buying a home?

Don't assume the first insurance quote you get is the best one. Comparing providers could help you keep your monthly payment more manageable.

And if you're open to new construction, there's another potential advantage. Newly built homes typically cost 10–15% less to insure than older ones, according to John Burns Research and Consulting.

Want help finding ways to make your next move more affordable? Send me a message. Let's talk.



Apply online at annisabaker.bellbankmortgage.com

11/02/2026

5.0 star review received on Experience.com for Annisa Baker by Faith A V - Annisa was always available and made the whole process stress free!

Click to see all 612 reviews of Annisa Baker, Senior Mortgage Loan Officer | NMLS # 238748

10/29/2026

This Halloween, let’s take the fear out of homebuying. Whether you’re looking for your first home or your next home, I can help you navigate the process with personalized guidance and a range of mortgage solutions.

Reach out today to explore your options and make your journey to homeownership a little less spooky.

10/29/2026

Staging Could Put More Money in Your Pocket

10/27/2026

Here's something most buyers overlook…

When the housing market slows down, homeowners and builders don't always have the same priorities.

A homeowner may be willing to wait for a better offer. But builders with completed homes sitting unsold often have more reason to keep sales moving.

In October, over 60% of builders offered some type of incentive. And almost half (43%) cut prices.

That could mean more negotiating opportunities for you.

The trick is knowing where to look. Let's find the builders with more move-in-ready homes available right now and see what they're willing to offer to get their inventory sold.

10/27/2026

When preparing to buy your first home, it’s important to budget for more than just your down payment. There are several additional expenses to keep in mind during the homebuying process, including earnest money deposit, a home inspection, an appraisal fee, closing costs and moving expenses.

Some assistance programs may be available to help qualified buyers with certain upfront costs. If you’d like to learn more about your options, reach out today!

10/26/2026

Why Builders May Be More Motivated To Sell Than Homeowners

Pending home sales just dropped 11.3% compared to last year. But what if that slowdown could actually help you get a better deal on a brand-new home?
Here's why that matters.

When the market slows, homeowners and builders don't always react the same way.

A homeowner who isn't getting the offers they want can decide to stay put and wait. But builders? They've already invested in houses they need to sell. And every completed home that sits unsold costs them money.

That can make builders more motivated to negotiate. And the numbers prove they're already making moves.

According to the National Association of Home Builders, 65% of builders are offering incentives, and 43% are cutting prices. The typical reduction? 6%.
For buyers, that could mean serious savings. Think lower prices, help with closing costs, or even a better mortgage rate.

And the biggest opportunities may be hiding in brand-new homes that are already built and waiting for buyers.

So, before you rule out new construction, let’s see which builders in our area may be ready to negotiate.



Apply online at annisabaker.bellbankmortgage.com