Home Mortgage with Bob Hoye NMLS # 368369

Home Mortgage with Bob Hoye NMLS # 368369 We are a residential mortgage broker based in Maplewood Minnesota. We have solid relationships with

Here at Homes Mortgage we strive to provide every customer with the absolute best service in the industry. We understand that a home purchase or refinance is often a daunting experience and we do everything in our power to make this process as enjoyable as possible. Our highly trained mortgage brokers will walk you through every step of the loan and make sure that you are both informed and involve

d with your new mortgage. Apply today for your refinance or purchase and experience the Homes Mortgage way.... Building Lasting Relationships Through First Class Service.

Will the Fed raise rates or stay pat on 9/16? The markets think it's a 50/50 call. Yet the latest ADP data was even weak...
09/04/2026

Will the Fed raise rates or stay pat on 9/16? The markets think it's a 50/50 call. Yet the latest ADP data was even weaker than the previous month, and inflation has been fairly tame. What could tip the balance? The CPI report coming out on 9/11.

National news and local views for the week

Another week, another set of tame inflation (July PCE) and modest job growth (ADP weekly) reports. Despite this, several...
08/28/2026

Another week, another set of tame inflation (July PCE) and modest job growth (ADP weekly) reports. Despite this, several Fed members are saying it's time to raise rates. Question: How exactly would raising the Fed Funds Rate bring oil prices down?

National news and local views for the week

On the one hand, the latest jobs (weak) and inflation (quite tame) reports could argue for lower rates from the Fed. On ...
08/21/2026

On the one hand, the latest jobs (weak) and inflation (quite tame) reports could argue for lower rates from the Fed. On the other hand, after more saber-rattling in Iran, oil prices are trending up again, and the national debt rising above $40 trillion creates a longer-term concern about future US borrowing costs.

National news and local views for the week

In a more normal market, a weak BLS jobs report followed by a tame CPI report would have resulted in lower US treasury y...
08/14/2026

In a more normal market, a weak BLS jobs report followed by a tame CPI report would have resulted in lower US treasury yields and mortgage rates. But this isn't a normal market - mortgage rates only came down slightly.

National news and local views for the week

Knowing your budget is the first step toward finding the perfect home 🏡. By looking at your income, monthly debts, and s...
07/20/2026

Knowing your budget is the first step toward finding the perfect home 🏡. By looking at your income, monthly debts, and savings, we can figure out a price range that feels comfortable and realistic for you. I’ll guide you through the numbers so there are no surprises along the way. Ready to see what’s possible? Let’s run the numbers together!

With the US/Iran peace process underway, oil prices have fallen back to pre-war levels, but mortgage rates remain high (...
06/26/2026

With the US/Iran peace process underway, oil prices have fallen back to pre-war levels, but mortgage rates remain high (due to concerns about the Fed's hawkish tilt). But inflation may have already peaked, and mortgage rates should follow inflation lower.

National news and local views for the week

The US/Iran war could be over. The Fed voted to keep interest rates steady, but new Fed Chair Kevin Warsh sounded surpri...
06/19/2026

The US/Iran war could be over. The Fed voted to keep interest rates steady, but new Fed Chair Kevin Warsh sounded surprisingly hawkish and the financial markets didn't like that one bit.

The strongest jobs week we’ve seen in a long time was followed by surprisingly strong existing home sales and a relative...
06/12/2026

The strongest jobs week we’ve seen in a long time was followed by surprisingly strong existing home sales and a relatively mild rise in “core” CPI. The Fed will meet next week to vote on the direction of interest rates, with no change to policy rates expected.

National news and local views for the week

06/05/2026

"Jobs week" started with a stunning 11% month-over-month jump in the total number of job openings in April. Meanwhile, the extreme uncertainty in the Middle East is keeping bond yields (and mortgage rates) elevated.

Average 30-yr mortgage rates are now closer to 7% than 6%, as reaccelerating inflation has pushed global bond yields hig...
05/22/2026

Average 30-yr mortgage rates are now closer to 7% than 6%, as reaccelerating inflation has pushed global bond yields higher. Despite higher mortgage rates, April pending home sales still rose (for the 3rd-straight month).

National news and local views for the week

Address

2127 County Road D E
Maplewood, MN
55109

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+16517700241

Website

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