The Katalyst Team at Ethos Lending

The Katalyst Team at Ethos Lending The Katalyst Team
powered by Ethos Lending
NMLS #1533336
Equal Housing Lender

Mike Hardy
NMLS #54483
Ca. We specialize in Residential Mortgage Lending.

BRE #01792

Rick Mount
NMLS #188512

Kevin Sprague
NMLS #1547630 We want to make sure you are comfortable with your options and have an excellent understanding of what to expect throughout the process. We take a uniquea pproach to homeownership and are committed to help you make a sound financial decision! We not only provide insight on the current market and industry trends, but will take the ti

me to sit down with you and strategically make sure that your mortgage is tailored specifically to fit with your long term financial goals. Our success has been built one referral at a time from satisfied clients. We believe that the current marketplace needs client care, integrity, strategy, and advice, and we strive to provide that for each and every client that we work with. Company NMLS ID # 1591 (www.nmlsconsumeraccess.org); AZ BK # 0926494; Branch ID: 1747167; AZ-0124355; CA-41DBO-85766, Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, under Churchill Mortgage Corporation, which will do business in California as Churchill Mortgage Home Loans; TX-Mortgage Banker Branch Registration; 437 S Cataract Ave Unit 1-2, San Dimas, CA 91773-2973; All other states, Churchill Mortgage Corporation Churchill Mortgage is an Equal Housing Lender.

08/17/2026

Home Prices and Mortgage Rates: What Buyers Need to Know

07/27/2026

Mortgage Rates at Yearly Highs: Fed Meeting and Market Outlook This Week.

We talk about mortgage rates hitting their highest point in about a year, driven by Middle East tensions and inflation fears, but note they're still lower than in 2023-We highlight the upcoming Fed meeting on Wednesday, with potential rate impacts, and mention that many buyers are getting seller credits. We also promote our Catalyst Kickstart program for a lower first-year rate.

07/20/2026

Rates Pull Back After Hitting July Highs: Market Update and Buyer Opportunities

We discuss the recent rate movements, noting that rates hit their highest levels since July but pulled back later in the week. We highlight the impact of Middle East news and favorable inflation reports. We mention that 30-year fixed rates are in the mid-sixes for conventional loans and low sixes for FHA/VA, with jumbos varying. We note the bond market is in a tight range and advise watching oil headlines. We share that 40% of listings have seller concessions or price reductions, making it a balanced market. We encourage buyers to reach out if they think they're not ready, as they may be closer than they think. We also mention a light week ahead with ADP data and new home sales, but headlines are key.

. Mike Hardy Kevin Sprague - Ethos Lending, Inc - NMLS # 1533336 Rick Mount

07/13/2026

Mortgage Rates in Flux: Oil Prices, CPI, and Fed Testimony This Week

We discuss two opposing forces affecting mortgage rates this week: the Strait of Hormuz closure driving oil prices up and inflation concerns, versus a positive CPI report expected Tuesday. We also highlight Fed Chair Warsh's testimony, current rate levels in the mid-6% range, and a bright spot with first-time buyers at 35% of the market. We advise staying proactive and reaching out for specific scenarios.

Always fun to celebrate great performances. Help us congratulate our June Top Producers. Kevin Sprague Ryan Prisco G...
07/09/2026

Always fun to celebrate great performances. Help us congratulate our June Top Producers. Kevin Sprague Ryan Prisco Geoff Kautzman Mariana Vigil Matt Herrera

07/06/2026

Market Update: Oil Retraces 98% of War Spike, Mortgage Rates Drop 30%

We discuss the current market conditions, noting that oil has retraced 98% of its war-driven spike and mortgage rates have dropped about 30%. We highlight that first-time buyers are at a historic low, representing only 21% of the market, with the average age rising from 33 to However, 46% of May transactions included seller concessions. We're watching oil prices, Fed minutes on Wednesday, and jobs reports on Thursday.

06/29/2026

Fourth of July Week Market Update: Oil Prices, Mortgage Rates & Housing Affordability

06/22/2026

Gas prices hit $3.93 a gallon. I know we’re doing our part in California to move that average up but the gas prices are headed in the right direction. What does that mean for mortgage rates …..check out this week what we’re watching

06/18/2026

We discuss four powerful strategies homeowners can use to pay off their mortgages faster and save tens of thousands of dollars in interest. We cover making that first month's payment despite the bank's grace period, rounding up your monthly payments, making an extra mortgage payment annually, and refinancing strategically without resetting your loan term. The key is attacking principal early to build wealth through real estate.

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26391 Crown Valley Parkway, Suite 230
Mission Viejo, CA
92691

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