Jon Bellemore - RI Mortgage Guy

09/09/2026

THE MARKET CAN MOVE BEFORE THE FED DOES.

Realtors, here is the September 9 market report in plain English:

Oil prices moved higher as tensions in the Persian Gulf intensified. That increased inflation concerns, pushed the 10-year Treasury yield to 4.847% and created pressure on mortgage pricing.

Friday's CPI report is the next major pivot. The report forecasts a 0.2% monthly increase. Its view is that a reading at 0.2% or lower makes a Fed hold more likely, while 0.3% or higher increases the risk of a hike.

The practical point for your buyers: mortgage rates do not wait for the Fed announcement. Thirty-year fixed pricing is tied to the longer-term bond market, so rate sheets can move as new information is priced in.

For a buyer already under contract, the report's recommendation is straightforward. If the buyer likes the current quote and the payment works, locking protects the payment and the approval. If rates improve later, refinancing may preserve the upside. Floating leaves the buyer exposed to a worse rate sheet, a higher payment or reduced qualification.

One possible positive development is a reduction in Fannie Mae and Freddie Mac LLPA fees. That could improve conventional purchase pricing, but nothing has been announced and the timing, size and eligible loans are unknown.

REALTORS: Have a payment-sensitive buyer or a contract approaching a lock decision? Text RATE WATCH to 401.529.4482. I will give you a direct recommendation based on the buyer, closing date and current market risk.

Jonathan Bellemore | Guild Mortgage | NMLS #1406741

Market information reflects the Guild Capital Markets report dated September 9 and can change without notice. Programs, pricing and eligibility are subject to change. This is not a commitment to lend.

09/08/2026

With financing options designed specifically for medical professionals, buying a home may be closer than you think.

09/08/2026

5.0 star review received on Experience.com for Jon Bellemore by Sara C - We are so lucky that we had the opportunity to work with Jon. His expertise of the industry and process is unmatched. As first time home buyers, we were very new to the mortgage process, but Jon was always available to answer any and all questions, and made the process smooth, seamless, and stress free. Even when we ran into some hiccups during the closing process due to the seller, Jon was there to act quickly and make sure the deal went as planned. Jon is a top tier professional and were very happy we had him in our corner for our home buying process!

Click to see all 930 reviews of Guild Mortgage - Jon Bellemore, Sales Manager | NMLS # 1406741

09/07/2026

THE FIRST “NO” MAY BE THE WRONG ANSWER.

Realtors, before you lower a buyer’s budget, add a sale contingency or walk away from the deal, check whether the scenario is simply in the wrong loan box.

Here are five conventional roadblocks that may still have a path through Expanded Plus:

1. BUY BEFORE THEY SELL
The departing-residence payment may be excludable before the current home is under contract when equity, listing and reserve requirements are met.

2. DTI FROM 51% TO 55%
A qualifying full-doc primary-residence borrower may have more room than the standard Agency box.

3. BUSINESS-PAID DEBT
When a debt appears on personal credit but the business pays it, Expanded Plus may offer a simpler documentation path to exclude it.

4. INVESTMENT-PROPERTY GIFT FUNDS
Gift funds may be allowed after a 10% borrower contribution. Gift funds cannot be used for reserves.

5. MORE SELLER HELP
Expanded Plus may allow up to 6% toward closing costs and prepaids on an investment property, compared with the standard 2% Agency limit.

The Realtor benefit is simple: fewer unnecessary contingencies, fewer premature budget cuts and more viable buyers staying in play.

REALTORS: Text SECOND LOOK to 401-529-4482. Send me the pressure point and I will tell you directly whether there is a credible path.

Jonathan Bellemore | Guild Mortgage | NMLS #1406741

Programs, terms and eligibility are subject to change. Borrower, property, documentation and underwriting requirements apply. This is not a commitment to lend.

09/06/2026

In need of funds but can't wait too long? Your home's equity could help. Guild's new fixed-rate HELOC can turn equity into cash in as little as five business days-all without refinancing! You'll receive your entire line of credit amount upfront as a lump sum. Get in touch to learn more!

09/05/2026

Real estate investors aren't limited to their local market, and neither are Guild's investor financing options. We're equipped to support deals across states*, so investment property transactions can move quickly with less licensing complexity. *State licensing requirements still apply in FL, ID, NV, OR, SD, UT and VA. Guild Mortgage does not originate in NY.

09/04/2026

Ya know, home ownership looks good on everyone! Step into your future home.

09/03/2026

5.0 star review received on Experience.com for Jon Bellemore by Christopher G - Jon was great to work with. He was always willing to answer any questions that I had. He was also very thorough in explaining things that I did not completely understand. 10/10! HIghly recommend!

Click to see all 929 reviews of Guild Mortgage - Jon Bellemore, Sales Manager | NMLS # 1406741

09/02/2026

Don't wait to buy a home. If you're in the early stages of your medical career, we've got options to finance up to 100% of your new home purchase.

09/01/2026

From gig workers and freelancers to small business owners and entrepreneurs, buyers can secure home financing-without a W-2 or tax returns.