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BenchMark Mortgage LLC

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BenchMark Mortgage LLC

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Providing mortgage opportunities for buying or refinancing a home throughout TN, MS, AL and GA. We offer free prequalifications via phone within a few minutes.

BenchMark Mortgage is a mortgage broker licensed in Tennessee, Mississippi and Alabama. We offer all types of financing including Conventional, FHA, VA and USDA loans. We offer competitive rates and fees and excellent customer service. We also offer flexible evening and weekend appointments.

10/14/2026

Your friend just bought a house, and now you're comparing their mortgage to yours. 🏡

But here's the thing: Just because you're both buying a home doesn't mean you're getting the same loan.

Your loan terms, monthly payment, closing costs, down payment, loan type, and credit score can all make your mortgage look different from someone else's.

That's why comparing numbers without understanding what's behind them can be misleading.

💬 Message me "𝗖𝗢𝗠𝗣𝗔𝗥𝗘" and let's look at what actually makes sense for YOU.

10/12/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗢𝗰𝘁𝗼𝗯𝗲𝗿 𝟭𝟮, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝗱 👍
After moving higher to start the week, mortgage rates got a little better as the week went on, ending just slightly lower than the week before. It wasn't a big improvement, but at least it broke the streak of rates moving higher over the last few weeks.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
There are some early signs that mortgage rates may be done climbing, at least for now. We could still see some ups and downs this week though, especially with inflation data coming out in the middle of the week.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
• Inflation data: Consumer inflation data comes out Wednesday, followed by wholesale inflation data on Thursday. If inflation is lower than expected, rates could improve a little more, but higher inflation could push them back up.
• Oil: Oil prices will continue to influence mortgage rates this week, although the connection between the two hasn't been quite as strong recently.
• The Fed: The Fed raised its policy rate in September, but markets have recently backed off expectations for another increase in October. This week's inflation reports and comments from Fed officials could change those expectations.

10/07/2026

𝗣𝗮𝘆𝗶𝗻𝗴 $𝟯,𝟬𝟬𝟬 𝗶𝗻 𝗿𝗲𝗻𝘁 𝗮𝗻𝗱 𝗯𝗲𝗶𝗻𝗴 𝘁𝗼𝗹𝗱 𝘆𝗼𝘂 𝗱𝗼𝗻’𝘁 𝗾𝘂𝗮𝗹𝗶𝗳𝘆 𝗳𝗼𝗿 𝗮 $𝟮,𝟳𝟬𝟬 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲? 🤔

It can feel confusing, but rent and mortgages are approved differently.

When you apply for a home loan, mortgage professionals look at more than just what you pay each month. They also look at things like your income, credit, car payments, credit cards, and other debt.

And here’s the big thing: 𝗻𝗼𝘁 𝗲𝘃𝗲𝗿𝘆 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗽𝗿𝗼 𝗼𝗿 𝗹𝗼𝗮𝗻 𝗽𝗿𝗼𝗴𝗿𝗮𝗺 𝗵𝗮𝘀 𝘁𝗵𝗲 𝘀𝗮𝗺𝗲 𝗿𝘂𝗹𝗲𝘀.

So if one tells you no, that doesn’t always mean you’re out of options.

Get a second opinion. You can ask me about different loan programs. You might have more options than you think.

Thinking about buying a home and needing a mortgage? Reach out to me, and I can see what may work for your situation.

10/05/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗢𝗰𝘁𝗼𝗯𝗲𝗿 𝟱, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Mortgage rates continued to climb last week despite slightly lower oil prices, weaker-than-expected labor data, and markets backing off expectations for a Fed rate hike this month. There was a lot of day-to-day volatility, but pressure on global bond markets ultimately helped push rates higher.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗴𝗲𝘁 𝘄𝗼𝗿𝘀𝗲 👎
Unfortunately, it doesn't look like rates will be moving lower anytime soon, and they could continue to creep higher. Treasury yields are still near their highest levels in decades and continue to rise, which will keep putting pressure on mortgage rates.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
• Oil: Oil prices will continue to influence mortgage rates this week, although the connection between the two hasn't been quite as strong recently.
• Economic data: There are only a few reports this week that could influence mortgage rates, and none that require a lot of attention from us.
• Bond yields: Yields continue to rise globally, and as the 10-year Treasury yield moves higher, mortgage bonds are likely to sell off as well, putting additional pressure on mortgage rates.

09/30/2026

That new car might fit your budget…

But it could still get in the way of buying a house. 😬

When you apply for a mortgage, mortgage professionals look at your monthly debt. A new car payment adds to that debt and can potentially lower how much home you qualify for, even if you have good credit.

So if buying a house is on your radar, talk to me 𝗯𝗲𝗳𝗼𝗿𝗲 you head to the dealership.

The order matters. 🏡🔑

Send this to someone thinking about buying a car AND a house.

09/28/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗦𝗲𝗽𝘁𝗲𝗺𝗯𝗲𝗿 𝟮𝟴, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Mortgage rates moved to new 2026 highs last week and were as volatile as forecasted in last week's commentary. Rates pushed higher as bond yields reached 20-year highs and oil prices remained elevated.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗴𝗲𝘁 𝘄𝗼𝗿𝘀𝗲 👎
Mortgage rates are likely to continue moving higher this week, pushed up by rising energy costs and speculation that the Fed will hike rates twice more this year. There is a slim chance rates could hold or improve slightly if something positive happens in the Middle East that helps oil prices fall, but the odds aren't great.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
•Middle East: Oil prices and headlines surrounding talks between the U.S. and Iran will continue to play a big role in mortgage rates this week.
•Jobs data: There are multiple jobs reports this week, but Friday's BLS jobs data will likely have the biggest effect on mortgage rates. Signs of a strong labor market could push rates higher by increasing speculation that the Fed will continue to hike its policy rate.
•Bond yields: Crushing amounts of government debt have investors demanding higher yields on Treasuries, and the rising 10yr Treasury yield plays a big role in mortgage pricing.

09/23/2026

A low interest rate can be great, but it’s not the only thing that decides if a home fits your budget.

You can get a low rate on a home that is still too expensive. If the monthly payment is too high, the home may not be right for you.

So don’t just ask:

“What interest rate can I get?”

Also ask:

“𝗖𝗮𝗻 𝗜 𝗰𝗼𝗺𝗳𝗼𝗿𝘁𝗮𝗯𝗹𝘆 𝗮𝗳𝗳𝗼𝗿𝗱 𝘁𝗵𝗶𝘀 𝗽𝗮𝘆𝗺𝗲𝗻𝘁 𝗲𝘃𝗲𝗿𝘆 𝗺𝗼𝗻𝘁𝗵?”

To answer that, we need to look at the full cost:

🏡 Home price
💰 Down payment
📍 Property taxes
🛡️ Home insurance
🏢 HOA fees
✨ Possible help from the seller

In some cases, the seller may be able to help pay part of your closing costs.

A low rate is great, but a payment that fits your life is even more important.

09/21/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗦𝗲𝗽𝘁𝗲𝗺𝗯𝗲𝗿 𝟮𝟭, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Mortgage rates continued to rise last week, although they did improve a bit after hitting their worst levels following the Fed meeting. The Fed raised its policy rate as expected, which mortgage rates had already priced in, but forecasts for more rate hikes this year helped push mortgage rates higher.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
Mortgage rates are tough to forecast this week and could be volatile. Rates will be influenced by oil prices, Middle East headlines, and news from the UN General Assembly. Expect some day-to-day movement, but rates are unlikely to move much higher or lower by the end of the week.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
• Oil prices: Oil is starting the week lower, helped by news that the Saudi pipeline could reopen soon and that vessels are once again moving through the Strait of Hormuz, although at a much slower pace than normal. If oil moves higher, mortgage rates will likely worsen, but if oil continues to fall, it could help mortgage rates improve.
• Headlines: News from the Middle East or the UN General Assembly about a possible deal with Iran could help mortgage rates improve this week, while further escalation could push rates higher.

09/16/2026

Which one stands out to you the most?

09/14/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗦𝗲𝗽𝘁𝗲𝗺𝗯𝗲𝗿 𝟭𝟰, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Mortgage rates moved quite a bit higher last week as rising oil prices added to inflation concerns, and both wholesale and consumer inflation showed prices picking up again.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗹𝗶𝗸𝗲𝗹𝘆 𝘁𝗼 𝗺𝗼𝘃𝗲 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Mortgage rates could push to new highs for the year this week, depending on how markets react to this week's Fed meeting and what happens in the Middle East and with oil prices. It is extremely unlikely that rates have any chance of moving lower this week.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
• The Fed: Markets expect the Fed to hike its policy rate this week to fight inflation, and mortgage rates have already priced in that move. If the Fed hikes as expected, it could actually help mortgage rates. However, if the Fed holds off and doesn't hike, markets could react poorly over concerns that inflation will remain unchecked, pushing mortgage rates higher. That's right, a Fed rate hike is actually favorable for mortgage rates this week.
• Middle East: Continued violence could push oil prices even higher, which would put additional upward pressure on mortgage rates.

Address

3263 E Sarazens Circle
Memphis, TN
38125

Opening Hours

Monday	9am - 8pm
Tuesday	9am - 8pm
Wednesday	9am - 8pm
Thursday	9am - 8pm
Friday	9am - 8pm
Saturday	10am - 6pm
Sunday	10am - 6pm

Website

http://www.bmarkmortgage.com/

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