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Mandi Henriod, Mortgage Lender NMLS #287291

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United States
Murray, UT
Mandi Henriod, Mortgage Lender NMLS #287291

Providing low rate, no hassle mortgages throughout Utah. Mandi Henriod Mortgage Loan Officer with I
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03/30/2026

Average rates for March 23 - March 27 aren’t too bad. Don’t rely on media to keep you up to date on the mortgage market.

Reach out for real current time information.

03/08/2026

I love where we live! You never can tell who you are going to meet when you are hanging out in the hood.

This is Daniel Ranquist. If ever there was someone to watch for…this guy is it!

These sketches are done with an office pen.

And if you are wondering…yes he takes commissioned work. If you want to have a piece of your own…hit me up and I will connect you.

02/16/2026

Happy to have most of Team Stone in our house this weekend. Everything a home should be…great people…good food…lots of laughter.

02/09/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗙𝗲𝗯𝗿𝘂𝗮𝗿𝘆 𝟵, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘀𝘁𝗶𝗹𝗹 𝗹𝗼𝘄 👍
Mortgage rates were slightly worse in the early part of the week, before improving after Thursday's jobs data showed a softening labor market, opening the door ever so slightly to the possibility of a Fed rate cut in the first half of the year. Rates improved to end the week basically unchanged.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗶𝗺𝗽𝗿𝗼𝘃𝗲 👍
Markets will once again be watching labor data after last week's BLS jobs report was delayed due to the partial government shutdown. Rates could end the week improved depending on how the labor data and consumer inflation data come in this week.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Labor market data: Last week’s BLS jobs report was delayed until this Wednesday, which could give mortgage rates a chance to improve. Markets reacted strongly to last week’s data, so if this report shows weakness, rates could once again improve, although we aren't likely to see a big drop in rates.
- Inflation data: Consumer inflation data will be released on Friday, and any sign that inflation is continuing to fall could help rates improve. Although it is possible inflation may not drop much, it is unlikely that it will move higher, which could pressure rates.

02/04/2026

Don’t let 𝘯𝘰𝘵 getting pre-approved cost you your dream home.

Why does being pre-approved matter? 🤔

👉 A pre-approval means you’ve already shared your income, assets, and credit with a lender to determine exactly how much you could qualify for.
In many cases, this can make your offer stronger and help you stand out in a competitive situation.

On the other hand…
If you fall in love with a home without being pre-approved beforehand, you’re often several steps behind another buyer, and sellers may not take your offer as seriously.

Ready to start the process and get pre-approved?
Give me a call or send me a message. I’m happy to work with you to figure out what you could qualify for based on your situation and where you are in the home buying process.

The conversation is completely free, my goal is to help you make the best move when the time is right. 🏡👍

02/02/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗙𝗲𝗯𝗿𝘂𝗮𝗿𝘆 𝟮, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘀𝘁𝗶𝗹𝗹 𝗹𝗼𝘄 👍
Mortgage rates stayed low last week but didn’t move any lower. With the Fed holding policy rates steady and no surprises from the meeting or Fed Chair Powell's press conference, markets had little to react to, keeping mortgage rates stable through the week.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
Markets will be watching several labor market reports this week, but mortgage rates may not react as strongly as they usually do because there’s still a lot more data coming before the Fed meets again in March. Rates are likely to stay low, though probably not quite as low as they were a couple of weeks ago.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Labor market data: A number of labor market reports are coming out this week, including job openings, layoffs, private payrolls, and unemployment claims. The most important report will be Friday’s BLS jobs data, which includes unemployment, job growth, and wage information that could affect mortgage rates this week.
- Economic data: A few additional reports will be released this week that could cause small day-to-day changes in mortgage rates, but nothing that’s expected to push rates meaningfully higher or lower.

01/28/2026

The market is always moving, and waiting for the “perfect time” can quietly turn into missing a really good one.

Rates have been easing lately, and honestly, a lot of people haven’t even noticed yet.

If buying has been on your mind, this doesn’t have to be a big, scary decision. It can start as a simple conversation.

You don’t have to time the market. You just have to be ready when the moment feels right. If you want to potentially save big or take the first step. Now would be the time. Send me an email or a message, and let's talk.

I’m happy to help you get there 🏡☕

01/26/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗝𝗮𝗻𝘂𝗮𝗿𝘆 𝟮𝟲, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Mortgage rates jumped last week as markets reacted to two big developments. First, a bond selloff in Japan spilled into global bond markets. Second, rising geopolitical tensions driven by talk of the U.S. taking over Greenland and possible tariffs on European allies added more pressure. While tensions eased somewhat later in the week after a framework for a deal was announced, mortgage rates improved but remained elevated.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝘀𝘁𝗶𝗹𝗹 𝗹𝗼𝘄 👍
Although rates are higher than the recent lowest levels of the year, they remain lower than at almost any point last year. That’s likely to remain the case this week, although there could be some volatility following this week’s Fed meeting and press conference.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- The Fed: The Fed wraps up its meeting on Wednesday, and no policy rate changes are expected. The bigger question is what Fed Chair Powell says afterward, since his comments often cause rates to move as markets try to figure out what could come next.
- Economic data: There’s some data coming out this week that could move rates a little, but nothing that should cause concern about higher rates or meaningfully push rates lower.

01/21/2026

Buying a home with someone who “knows a guy” versus working with a mortgage professional often leads to very different outcomes. The difference usually shows up in the details, not always immediately, but as the process unfolds.

The biggest differences:

• 𝗢𝗽𝘁𝗶𝗼𝗻𝘀 𝗺𝗮𝘁𝘁𝗲𝗿 — a mortgage professional evaluates multiple programs and scenarios, rather than relying on a single lender’s default approach.
• 𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝘆 𝗼𝘃𝗲𝗿 𝗮𝘀𝘀𝘂𝗺𝗽𝘁𝗶𝗼𝗻𝘀 — down payment structure, credits, and timing can meaningfully affect monthly payments.
• 𝗙𝗲𝘄𝗲𝗿 𝗹𝗮𝘀𝘁-𝗺𝗶𝗻𝘂𝘁𝗲 𝗶𝘀𝘀𝘂𝗲𝘀 — potential challenges are identified earlier in the process, not discovered just before closing.

Not to say your “guy” can’t be helpful, but when the numbers are this significant, and the stakes are high. Having a structured strategy tends to work more easily and smoothly.

If you want to look at potential savings and situations. Reach out to me.

01/19/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗝𝗮𝗻𝘂𝗮𝗿𝘆 𝟭𝟵, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗲𝗻𝗱𝗲𝗱 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝘄𝗼𝗿𝘀𝗲 👎
Mortgage rates hit their most favorable levels on Monday following news that Fannie Mae and Freddie Mac would buy $200 billion in mortgage bonds to help push rates lower. While rates crept up later in the week, they were still below where they were earlier in January.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
Mortgage rates could remain volatile this week as markets react to the rapidly escalating discussion around a potential U.S. move involving Greenland. Ongoing talk of tariffs and possible retaliation is making rate forecasting especially difficult.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Martin Luther King Jr. Day: With the bond market closed Monday for the holiday, mortgage rates are more likely to experience bigger swings when trading resumes on Tuesday.
- Economic data: There is not a lot of data this week, and what there is will take a back seat to the geopolitical issues.
- Geopolitical issues: Threats of new tariffs on European allies resisting a full U.S. takeover of Greenland, and the potential for retaliation, could drive bond market volatility and impact mortgage rates this week.

Address

448 E. Wi******er Street, Ste 150
Murray, UT
84107

Opening Hours

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

Telephone

+18016381005

Website

https://www.loansbymandi.com/mandi-henriod-mortgage

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