True Mortgage Lending - Miriam Gilmore

True Mortgage Lending - Miriam Gilmore Miriam Gilmore is the Broker/Owner of True Mortgage Lending LLC. True Mortgage Lending is a boutique

Providing opportunities for low rates, hassle-free mortgages for buying or refinancing a home throughout Florida.

01/16/2026

Could you work from home with your spouse everyday ๐Ÿ˜…

01/14/2026

Buying a Condo in Miami, specially in A Brickell High Rise, you need to work with someone who understands these buildings in terms of financing. Itโ€™s not the same as buying a single family residence and itโ€™s definitely not going to be financed by Fannie Mae or FHA. Drop Condo in the comments if you need help financing a Condo!

01/05/2026

During the holidays I pulled away and totally unplugged, sometimes distance makes the heart grow fonder, at least thatโ€™s what the say! Going into 2026 with renewed excitement to grow my business in a new and different way! If youโ€™re feeling the same drop a โ€œMe Tooโ€ in the comments!

๐Ÿก ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐—ช๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐—™๐—ฒ๐—ฏ๐—ฟ๐˜‚๐—ฎ๐—ฟ๐˜† ๐Ÿญ๐Ÿณ, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฑ๐—Ÿ๐—ฎ๐˜€๐˜ ๐—ช๐—ฒ๐—ฒ๐—ธ'๐˜€ ๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฅ๐—ฎ๐˜๐—ฒ ๐—ฅ๐—ฒ๐—ฐ๐—ฎ๐—ฝ: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐˜€๐—น๐—ถ๐—ด๐—ต๐˜๐—น๐˜† ๐—ถ๐—บ๐—ฝ๐—ฟ๐—ผ๐˜ƒ๐—ฒ๐—ฑ ๐Ÿ‘Rates last week were volati...
02/17/2025

๐Ÿก ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐—ช๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐—™๐—ฒ๐—ฏ๐—ฟ๐˜‚๐—ฎ๐—ฟ๐˜† ๐Ÿญ๐Ÿณ, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฑ

๐—Ÿ๐—ฎ๐˜€๐˜ ๐—ช๐—ฒ๐—ฒ๐—ธ'๐˜€ ๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฅ๐—ฎ๐˜๐—ฒ ๐—ฅ๐—ฒ๐—ฐ๐—ฎ๐—ฝ: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐˜€๐—น๐—ถ๐—ด๐—ต๐˜๐—น๐˜† ๐—ถ๐—บ๐—ฝ๐—ฟ๐—ผ๐˜ƒ๐—ฒ๐—ฑ ๐Ÿ‘
Rates last week were volatile day-to-day, moving higher midweek when consumer inflation data came out showing inflation for January was higher than expected. By week's end, however, rates had recovered and after weak retail sales data on Friday ended the week slightly better.

๐—ง๐—ต๐—ถ๐˜€ ๐—ช๐—ฒ๐—ฒ๐—ธ'๐˜€ ๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฅ๐—ฎ๐˜๐—ฒ ๐—™๐—ผ๐—ฟ๐—ฒ๐—ฐ๐—ฎ๐˜€๐˜: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—น๐—ถ๐—ธ๐—ฒ๐—น๐˜† ๐˜๐—ผ ๐—ฏ๐—ฒ ๐˜€๐˜๐—ฎ๐—ฏ๐—น๐—ฒ ๐Ÿ‘
This week is light on economic data, as well as a short week with markets closed for Presidents Day, which makes it likely that rates will not move much. There may be some day-to-day movement, but unless there is a surprise event, rates will likely end the week relatively unchanged.

๐Ÿ“ˆ ๐—ช๐—ต๐—ฎ๐˜'๐˜€ ๐—ฎ๐—ณ๐—ณ๐—ฒ๐—ฐ๐˜๐—ถ๐—ป๐—ด ๐—ฟ๐—ฎ๐˜๐—ฒ๐˜€ ๐˜๐—ต๐—ถ๐˜€ ๐˜„๐—ฒ๐—ฒ๐—ธ:
- Presidents Day: Markets will be closed on Monday, and rates won't change.
- Tariffs: Although many proposed tariffs have been postponed, continued concerns from traders could play at least a small role in mortgage rates for the week.
- The Fed: Markets are still contemplating the potential for Fed rate cuts later this year, and the minutes from the last Fed meeting will be released this week. However, Fed rate cut expectations will only play a small role in mortgage rates this week.

โค๏ธ There are a lot of things to love in this worldโ€ฆ but getting a mortgage isnโ€™t one of them ๐Ÿ‘Ž.๐Ÿ‘‰ ๐——๐—ผ๐—ปโ€™๐˜ ๐˜„๐—ผ๐—ฟ๐—ฟ๐˜†, ๐—œโ€™๐—บ ๐—ต๐—ฒ๐—ฟ๐—ฒ ๐˜...
02/14/2025

โค๏ธ There are a lot of things to love in this worldโ€ฆ
but getting a mortgage isnโ€™t one of them ๐Ÿ‘Ž.

๐Ÿ‘‰ ๐——๐—ผ๐—ปโ€™๐˜ ๐˜„๐—ผ๐—ฟ๐—ฟ๐˜†, ๐—œโ€™๐—บ ๐—ต๐—ฒ๐—ฟ๐—ฒ ๐˜๐—ผ ๐—บ๐—ฎ๐—ธ๐—ฒ ๐—ถ๐˜ ๐—ฏ๐—ฒ๐˜๐˜๐—ฒ๐—ฟ.

If you want to buy a home, or want to free up some cashflow and maybe consolidate some debtโ€ฆ

๐Ÿ’ŒBe Mine ๐Ÿ’๐Ÿ˜œ.

๐—ฅ๐—ฒ๐—ฎ๐—ฐ๐—ต ๐—ผ๐˜‚๐˜, ๐—œโ€™๐—ฑ ๐—ฏ๐—ฒ ๐—ด๐—น๐—ฎ๐—ฑ ๐˜๐—ผ ๐—ต๐—ฒ๐—น๐—ฝ.

๐Ÿก ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐—ช๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐—™๐—ฒ๐—ฏ๐—ฟ๐˜‚๐—ฎ๐—ฟ๐˜† ๐Ÿญ๐Ÿฌ, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฑ๐—Ÿ๐—ฎ๐˜€๐˜ ๐—ช๐—ฒ๐—ฒ๐—ธ'๐˜€ ๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฅ๐—ฎ๐˜๐—ฒ ๐—ฅ๐—ฒ๐—ฐ๐—ฎ๐—ฝ: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐˜€๐—น๐—ถ๐—ด๐—ต๐˜๐—น๐˜† ๐—ถ๐—บ๐—ฝ๐—ฟ๐—ผ๐˜ƒ๐—ฒ๐—ฑ ๐Ÿ‘Rates improved last week, e...
02/10/2025

๐Ÿก ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐—ช๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐—™๐—ฒ๐—ฏ๐—ฟ๐˜‚๐—ฎ๐—ฟ๐˜† ๐Ÿญ๐Ÿฌ, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฑ

๐—Ÿ๐—ฎ๐˜€๐˜ ๐—ช๐—ฒ๐—ฒ๐—ธ'๐˜€ ๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฅ๐—ฎ๐˜๐—ฒ ๐—ฅ๐—ฒ๐—ฐ๐—ฎ๐—ฝ: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐˜€๐—น๐—ถ๐—ด๐—ต๐˜๐—น๐˜† ๐—ถ๐—บ๐—ฝ๐—ฟ๐—ผ๐˜ƒ๐—ฒ๐—ฑ ๐Ÿ‘
Rates improved last week, even as jobs data indicated a resilient labor market despite the Fed maintaining higher policy rates. However, the gains were small, with rates remaining relatively steady for the second consecutive week instead of seeing the expected volatility.

๐—ง๐—ต๐—ถ๐˜€ ๐—ช๐—ฒ๐—ฒ๐—ธ'๐˜€ ๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฅ๐—ฎ๐˜๐—ฒ ๐—™๐—ผ๐—ฟ๐—ฒ๐—ฐ๐—ฎ๐˜€๐˜: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ฐ๐—ผ๐˜‚๐—น๐—ฑ ๐—ถ๐—บ๐—ฝ๐—ฟ๐—ผ๐˜ƒ๐—ฒ ๐Ÿ‘
A lot is happening this week that could impact mortgage rates, with inflation being the biggest factor. While some day-to-day rate fluctuations are expected, significant swings in either direction are unlikely.

๐Ÿ“ˆ ๐—ช๐—ต๐—ฎ๐˜'๐˜€ ๐—ฎ๐—ณ๐—ณ๐—ฒ๐—ฐ๐˜๐—ถ๐—ป๐—ด ๐—ฟ๐—ฎ๐˜๐—ฒ๐˜€ ๐˜๐—ต๐—ถ๐˜€ ๐˜„๐—ฒ๐—ฒ๐—ธ:
- Tariffs: While still making headlines, traders seem less concerned about tariffs, and they are not having a significant impact on mortgage rates.
- Fed speakers: This week features several speeches from Fed officials, with the most notable being Fed Chair Powellโ€™s semiannual testimony before Congress, where he will discuss the economy, interest rates, and inflation outlook.
-Inflation: Consumer inflation data will come out on Wednesday, and is expected to have the biggest impact on mortgage rates this week. Higher inflation could push rates up, while inflation in line with expectations should keep rates steady.

๐—™๐—ฒ๐—ฒ๐—น ๐—น๐—ถ๐—ธ๐—ฒ ๐˜†๐—ผ๐˜‚ ๐—ฐ๐—ฎ๐—ป'๐˜ ๐—ฎ๐—ณ๐—ณ๐—ผ๐—ฟ๐—ฑ ๐˜๐—ผ ๐—ฏ๐˜‚๐˜† ๐—ฎ ๐—ต๐—ผ๐—บ๐—ฒ? โ˜น๏ธ ๐Ÿ‘‰ I can help. ๐Ÿ˜€ With mortgage rates that refuse to fall, and home prices th...
02/04/2025

๐—™๐—ฒ๐—ฒ๐—น ๐—น๐—ถ๐—ธ๐—ฒ ๐˜†๐—ผ๐˜‚ ๐—ฐ๐—ฎ๐—ป'๐˜ ๐—ฎ๐—ณ๐—ณ๐—ผ๐—ฟ๐—ฑ ๐˜๐—ผ ๐—ฏ๐˜‚๐˜† ๐—ฎ ๐—ต๐—ผ๐—บ๐—ฒ? โ˜น๏ธ

๐Ÿ‘‰ I can help. ๐Ÿ˜€

With mortgage rates that refuse to fall, and home prices that just won't drop, there may be some creative ways I can help you get a mortgage with a payment you can afford.

โœ… ๐—–๐—ฎ๐—น๐—น, ๐˜๐—ฒ๐˜…๐˜, ๐—ผ๐—ฟ ๐——๐—  ๐—บ๐—ฒ ๐—ฎ๐—ป๐—ฑ ๐—น๐—ฒ๐˜'๐˜€ ๐˜๐—ฎ๐—น๐—ธ!

๐Ÿก ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐—ช๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐—™๐—ฒ๐—ฏ๐—ฟ๐˜‚๐—ฎ๐—ฟ๐˜† ๐Ÿฏ, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฑ๐—Ÿ๐—ฎ๐˜€๐˜ ๐—ช๐—ฒ๐—ฒ๐—ธ'๐˜€ ๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฅ๐—ฎ๐˜๐—ฒ ๐—ฅ๐—ฒ๐—ฐ๐—ฎ๐—ฝ: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ฏ๐—ฎ๐˜€๐—ถ๐—ฐ๐—ฎ๐—น๐—น๐˜† ๐˜‚๐—ป๐—ฐ๐—ต๐—ฎ๐—ป๐—ด๐—ฒ๐—ฑ ๐Ÿ‘Mortgage rates remained st...
02/03/2025

๐Ÿก ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐—ช๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐—™๐—ฒ๐—ฏ๐—ฟ๐˜‚๐—ฎ๐—ฟ๐˜† ๐Ÿฏ, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฑ

๐—Ÿ๐—ฎ๐˜€๐˜ ๐—ช๐—ฒ๐—ฒ๐—ธ'๐˜€ ๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฅ๐—ฎ๐˜๐—ฒ ๐—ฅ๐—ฒ๐—ฐ๐—ฎ๐—ฝ: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ฏ๐—ฎ๐˜€๐—ถ๐—ฐ๐—ฎ๐—น๐—น๐˜† ๐˜‚๐—ป๐—ฐ๐—ต๐—ฎ๐—ป๐—ด๐—ฒ๐—ฑ ๐Ÿ‘
Mortgage rates remained steady last week, with minimal reaction to the Fed meeting and Fed Chair Powell's press conference. The Fed left its policy rate unchanged as expected, but didn't give any clear indication that it would stop cutting rates this year. Inflation data for the week also came in as expected, helping keep mortgage rates stable.

๐—ง๐—ต๐—ถ๐˜€ ๐—ช๐—ฒ๐—ฒ๐—ธ'๐˜€ ๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฅ๐—ฎ๐˜๐—ฒ ๐—™๐—ผ๐—ฟ๐—ฒ๐—ฐ๐—ฎ๐˜€๐˜: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ฐ๐—ผ๐˜‚๐—น๐—ฑ ๐—ฏ๐—ฒ ๐˜ƒ๐—ผ๐—น๐—ฎ๐˜๐—ถ๐—น๐—ฒ โš ๏ธ
Last week was calmer than expected, but this week could bring volatility. Markets are responding to tariffs on Canada, Mexico, and China, with stocks reacting more than bonds. Mortgage rates have already priced in the expected tariffs, showing minimal movement. Labor market data later this week could influence mortgage rates.

๐Ÿ“ˆ ๐—ช๐—ต๐—ฎ๐˜'๐˜€ ๐—ฎ๐—ณ๐—ณ๐—ฒ๐—ฐ๐˜๐—ถ๐—ป๐—ด ๐—ฟ๐—ฎ๐˜๐—ฒ๐˜€ ๐˜๐—ต๐—ถ๐˜€ ๐˜„๐—ฒ๐—ฒ๐—ธ:
- Tariffs: Markets will respond to tariffs and any countermeasures or retaliatory actions from affected countries.
- Labor market data: This week brings multiple reports about the labor market, including job turnover and layoffs, new jobs created, and unemployment numbers. Signs of labor market strength could pressure mortgage rates higher, while data signaling a weaker labor market could help rates.

๐Ÿก ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐—ช๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐—๐—ฎ๐—ป๐˜‚๐—ฎ๐—ฟ๐˜† ๐Ÿฎ๐Ÿณ, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฑ๐—Ÿ๐—ฎ๐˜€๐˜ ๐—ช๐—ฒ๐—ฒ๐—ธ'๐˜€ ๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฅ๐—ฎ๐˜๐—ฒ ๐—ฅ๐—ฒ๐—ฐ๐—ฎ๐—ฝ: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐˜€๐—น๐—ถ๐—ด๐—ต๐˜๐—น๐˜† ๐˜„๐—ผ๐—ฟ๐˜€๐—ฒ ๐Ÿ‘ŽMortgage rates edged slightly h...
01/27/2025

๐Ÿก ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐—ช๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐—๐—ฎ๐—ป๐˜‚๐—ฎ๐—ฟ๐˜† ๐Ÿฎ๐Ÿณ, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฑ

๐—Ÿ๐—ฎ๐˜€๐˜ ๐—ช๐—ฒ๐—ฒ๐—ธ'๐˜€ ๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฅ๐—ฎ๐˜๐—ฒ ๐—ฅ๐—ฒ๐—ฐ๐—ฎ๐—ฝ: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐˜€๐—น๐—ถ๐—ด๐—ต๐˜๐—น๐˜† ๐˜„๐—ผ๐—ฟ๐˜€๐—ฒ ๐Ÿ‘Ž
Mortgage rates edged slightly higher last week, but the changes were minimal and not cause for major concern. There was little economic data to influence rates, and the Trump administration has yet to implement the tariffs that previously raised market concerns.

๐—ง๐—ต๐—ถ๐˜€ ๐—ช๐—ฒ๐—ฒ๐—ธ'๐˜€ ๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฅ๐—ฎ๐˜๐—ฒ ๐—™๐—ผ๐—ฟ๐—ฒ๐—ฐ๐—ฎ๐˜€๐˜: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ฐ๐—ผ๐˜‚๐—น๐—ฑ ๐—ฏ๐—ฒ ๐˜ƒ๐—ผ๐—น๐—ฎ๐˜๐—ถ๐—น๐—ฒ โš ๏ธ
This week rates could see significant movement. The Fed meeting and Chair Powell's press conference are expected to have the biggest impact, with additional attention on the first release of Q4 GDP and PCE inflation data later in the week.

๐Ÿ“ˆ ๐—ช๐—ต๐—ฎ๐˜'๐˜€ ๐—ฎ๐—ณ๐—ณ๐—ฒ๐—ฐ๐˜๐—ถ๐—ป๐—ด ๐—ฟ๐—ฎ๐˜๐—ฒ๐˜€ ๐˜๐—ต๐—ถ๐˜€ ๐˜„๐—ฒ๐—ฒ๐—ธ:
- The Fed: The Fed meeting concludes on Wednesday, with expectations the Fed will leave its policy rate unchanged after three consecutive cuts. The policy statement will be released at 2 PM ET, but Fed Chair Powellโ€™s press conference afterward is likely to have a greater effect on mortgage rates. Any indication of continued rate cuts could lead to lower mortgage rates, while signs the Fed has paused rate cuts could push rates higher.
- Economic data: While secondary to the Fedโ€™s decisions, economic data releases later this week - such as Q4 GDP and PCE inflation - may still cause rate fluctuations.

โš ๏ธ ๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฟ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ฟ๐—ฒ๐—ณ๐˜‚๐˜€๐—ฒ ๐˜๐—ผ ๐—ฑ๐—ฟ๐—ผ๐—ฝ, and that has many house hunters waiting until they do... ๐—ฏ๐˜‚๐˜ ๐˜๐—ต๐—ฎ๐˜ ๐—ถ๐˜€ ๐—ฎ ๐—บ๐—ถ๐˜€๐˜๐—ฎ๐—ธ๐—ฒ! ๐Ÿ˜ฒ๐Ÿ‘ ๐—”๐˜€ ...
01/24/2025

โš ๏ธ ๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฟ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ฟ๐—ฒ๐—ณ๐˜‚๐˜€๐—ฒ ๐˜๐—ผ ๐—ฑ๐—ฟ๐—ผ๐—ฝ, and that has many house hunters waiting until they do... ๐—ฏ๐˜‚๐˜ ๐˜๐—ต๐—ฎ๐˜ ๐—ถ๐˜€ ๐—ฎ ๐—บ๐—ถ๐˜€๐˜๐—ฎ๐—ธ๐—ฒ! ๐Ÿ˜ฒ

๐Ÿ‘ ๐—”๐˜€ ๐—ฎ ๐—ด๐—ฒ๐—ป๐—ฒ๐—ฟ๐—ฎ๐—น ๐—ฟ๐˜‚๐—น๐—ฒ, now is a great time to buy a home, and you shouldn't wait for rates to drop.

๐—›๐—ฒ๐—ฟ๐—ฒ ๐—ถ๐˜€ ๐˜„๐—ต๐˜†...
โœ… Rates are not likely to drop significantly anytime soon. Although we see rates move up and down week-to-week, rates are not likely to drop and stay lower until later this year.

โœ… Home prices never fell like some people thought they would, because there continues to be a shortage in home inventory. When rates drop, lots of potential buyers will come back into the market, making it more competitive and driving home prices higher.

โœ… Buying now when rates are higher will likely give you more homes to choose from and help get your offer accepted. Once you own the home, you may be able to refinance when rates do fall later this year.

๐—ง๐—ต๐—ผ๐˜€๐—ฒ ๐—ฎ๐—ฟ๐—ฒ ๐˜๐—ต๐—ฒ ๐—ด๐—ฒ๐—ป๐—ฒ๐—ฟ๐—ฎ๐—น ๐—ฟ๐—ฒ๐—ฎ๐˜€๐—ผ๐—ป๐˜€, ๐—ฏ๐˜‚๐˜ ๐—ถ๐—ณ ๐˜†๐—ผ๐˜‚ ๐˜„๐—ฎ๐—ป๐˜ ๐˜๐—ผ ๐—ฑ๐—ถ๐˜€๐—ฐ๐˜‚๐˜€๐˜€ ๐˜„๐—ต๐—ฎ๐˜ ๐˜†๐—ผ๐˜‚ ๐—ฐ๐—ฎ๐—ป ๐—พ๐˜‚๐—ฎ๐—น๐—ถ๐—ณ๐˜† ๐—ณ๐—ผ๐—ฟ ๐—ฎ๐—ป๐—ฑ ๐—ฐ๐—ผ๐—บ๐—ณ๐—ผ๐—ฟ๐˜๐—ฎ๐—ฏ๐—น๐˜† ๐—ฎ๐—ณ๐—ณ๐—ผ๐—ฟ๐—ฑ, ๐—ฎ๐˜€ ๐˜„๐—ฒ๐—น๐—น ๐—ฎ๐˜€ ๐—ฑ๐—ถ๐—ณ๐—ณ๐—ฒ๐—ฟ๐—ฒ๐—ป๐˜ ๐—น๐—ผ๐—ฎ๐—ป ๐—ผ๐—ฝ๐˜๐—ถ๐—ผ๐—ป๐˜€ ๐˜๐—ต๐—ฎ๐˜ ๐—ฎ๐—ฟ๐—ฒ ๐—ป๐—ผ๐˜„ ๐—ฎ๐˜ƒ๐—ฎ๐—ถ๐—น๐—ฎ๐—ฏ๐—น๐—ฒ ๐˜๐—ผ ๐˜†๐—ผ๐˜‚, ๐—ฟ๐—ฒ๐—ฎ๐—ฐ๐—ต ๐—ผ๐˜‚๐˜ ๐—ฎ๐—ป๐˜†๐˜๐—ถ๐—บ๐—ฒ.

๐Ÿ  ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐—ช๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐—๐—ฎ๐—ป๐˜‚๐—ฎ๐—ฟ๐˜† ๐Ÿฎ๐Ÿฌ, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฑ๐—Ÿ๐—ฎ๐˜€๐˜ ๐—ช๐—ฒ๐—ฒ๐—ธ'๐˜€ ๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฅ๐—ฎ๐˜๐—ฒ ๐—ฅ๐—ฒ๐—ฐ๐—ฎ๐—ฝ: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ถ๐—บ๐—ฝ๐—ฟ๐—ผ๐˜ƒ๐—ฒ๐—ฑ ๐Ÿ‘Rates were helped last week after inf...
01/20/2025

๐Ÿ  ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐—ช๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐—๐—ฎ๐—ป๐˜‚๐—ฎ๐—ฟ๐˜† ๐Ÿฎ๐Ÿฌ, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฑ

๐—Ÿ๐—ฎ๐˜€๐˜ ๐—ช๐—ฒ๐—ฒ๐—ธ'๐˜€ ๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฅ๐—ฎ๐˜๐—ฒ ๐—ฅ๐—ฒ๐—ฐ๐—ฎ๐—ฝ: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ถ๐—บ๐—ฝ๐—ฟ๐—ผ๐˜ƒ๐—ฒ๐—ฑ ๐Ÿ‘
Rates were helped last week after inflation data came in slightly better than expected. Fed Governor Waller added to the optimism in a CNBC interview, suggesting the Fed might implement more policy rate cuts than markets anticipated, and could start cutting sooner.

๐—ง๐—ต๐—ถ๐˜€ ๐—ช๐—ฒ๐—ฒ๐—ธ'๐˜€ ๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฅ๐—ฎ๐˜๐—ฒ ๐—™๐—ผ๐—ฟ๐—ฒ๐—ฐ๐—ฎ๐˜€๐˜: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ฐ๐—ผ๐˜‚๐—น๐—ฑ ๐—บ๐—ผ๐˜ƒ๐—ฒ ๐—ต๐—ถ๐—ด๐—ต๐—ฒ๐—ฟ ๐Ÿ‘Ž
Although rates only saw modest improvement last week, we sidestepped trouble when the inflation data came in a bit more favorably than was expected. This week starts with a holiday, and has little economic data to help guide mortgage rate movement. After last week's improvements though, we could see rates creep a bit higher this week. Longer term outlook is for rates to remain near these levels.

๐Ÿ“ˆ ๐—ช๐—ต๐—ฎ๐˜'๐˜€ ๐—ฎ๐—ณ๐—ณ๐—ฒ๐—ฐ๐˜๐—ถ๐—ป๐—ด ๐—ฟ๐—ฎ๐˜๐—ฒ๐˜€ ๐˜๐—ต๐—ถ๐˜€ ๐˜„๐—ฒ๐—ฒ๐—ธ:
- Trump inauguration: Trump will be sworn in Monday, and is expected to hit the ground running. We could see some volatility in markets based on the immediate actions taken and executive orders that are implemented.
- The Fed: Markets had a strong reaction last week to comments made by Fed Governor Waller, but we will not be hearing from any Fed members this week as they enter the customary blackout period ahead of January 28th/29th's Fed meeting.

๐——๐—ผ๐—ป'๐˜ ๐—น๐—ฒ๐˜ ๐—ท๐˜‚๐˜€๐˜ ๐—ด๐—ฒ๐˜๐˜๐—ถ๐—ป๐—ด '๐—ฝ๐—ฟ๐—ฒ๐—พ๐˜‚๐—ฎ๐—น๐—ถ๐—ณ๐—ถ๐—ฒ๐—ฑ' ๐—ฐ๐—ผ๐˜€๐˜ ๐˜†๐—ผ๐˜‚ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ฐ๐—ต๐—ฎ๐—ป๐—ฐ๐—ฒ ๐—ฎ๐˜ ๐—ฎ ๐—ต๐—ผ๐—บ๐—ฒ!๐—œ๐—ป๐˜€๐˜๐—ฒ๐—ฎ๐—ฑ, ๐˜†๐—ผ๐˜‚ ๐—บ๐—ฎ๐˜† ๐—ฎ๐—ฐ๐˜๐˜‚๐—ฎ๐—น๐—น๐˜† ๐˜„๐—ฎ๐—ป๐˜ ๐˜๐—ผ ๐—ด๐—ฒ๐˜ ๐—ฝ๐—ฟ๐—ฒ๐—ฎ๐—ฝ๐—ฝ๐—ฟ๐—ผ๐˜ƒ๐—ฒ๐—ฑ.W...
01/16/2025

๐——๐—ผ๐—ป'๐˜ ๐—น๐—ฒ๐˜ ๐—ท๐˜‚๐˜€๐˜ ๐—ด๐—ฒ๐˜๐˜๐—ถ๐—ป๐—ด '๐—ฝ๐—ฟ๐—ฒ๐—พ๐˜‚๐—ฎ๐—น๐—ถ๐—ณ๐—ถ๐—ฒ๐—ฑ' ๐—ฐ๐—ผ๐˜€๐˜ ๐˜†๐—ผ๐˜‚ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ฐ๐—ต๐—ฎ๐—ป๐—ฐ๐—ฒ ๐—ฎ๐˜ ๐—ฎ ๐—ต๐—ผ๐—บ๐—ฒ!

๐—œ๐—ป๐˜€๐˜๐—ฒ๐—ฎ๐—ฑ, ๐˜†๐—ผ๐˜‚ ๐—บ๐—ฎ๐˜† ๐—ฎ๐—ฐ๐˜๐˜‚๐—ฎ๐—น๐—น๐˜† ๐˜„๐—ฎ๐—ป๐˜ ๐˜๐—ผ ๐—ด๐—ฒ๐˜ ๐—ฝ๐—ฟ๐—ฒ๐—ฎ๐—ฝ๐—ฝ๐—ฟ๐—ผ๐˜ƒ๐—ฒ๐—ฑ.

What is the difference? ๐Ÿค”

๐Ÿ‘‰ Getting prequalified is the process of providing a mortgage lender with some background information like your credit, income, and expenses so the lender can help you determine how much you can afford and what you are likely to qualify for.

๐Ÿ‘‰ A preapproval, however, means you've provided the lender with proof of your income and assets and had a credit check to determine exactly how much you can be approved for. In some cases, a preapproval can show you are approved for a loan before making an offer, which makes your offer stronger and could help you win a bidding war.

๐—ช๐—ต๐—ถ๐—ฐ๐—ต ๐—ผ๐—ป๐—ฒ ๐—ถ๐˜€ ๐—ฟ๐—ถ๐—ด๐—ต๐˜ ๐—ณ๐—ผ๐—ฟ ๐˜†๐—ผ๐˜‚? ๐—š๐—ถ๐˜ƒ๐—ฒ ๐—บ๐—ฒ ๐—ฎ ๐—ฐ๐—ฎ๐—น๐—น ๐—ผ๐—ฟ ๐—ฐ๐—ผ๐—ป๐˜๐—ฎ๐—ฐ๐˜ ๐—บ๐—ฒ ๐—ฑ๐—ถ๐—ฟ๐—ฒ๐—ฐ๐˜, ๐—ฎ๐—ป๐—ฑ ๐—œ'๐—น๐—น ๐—ฏ๐—ฒ ๐—ต๐—ฎ๐—ฝ๐—ฝ๐˜† ๐˜๐—ผ ๐—ต๐—ฒ๐—น๐—ฝ ๐˜†๐—ผ๐˜‚ ๐—ฑ๐—ฒ๐—ฐ๐—ถ๐—ฑ๐—ฒ. ๐Ÿ‘

I can provide either one, depending on your unique situation and where you are in the house hunting process. The best part? The conversation is absolutely free, and there's no obligation. ๐Ÿก ๐Ÿ˜

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