Deanna Birr, Loan Officer NMLS 322560

03/26/2026

https://www.prmg.net/prmg-paul-rozo-most-influential/

PRMG CEO Paul Rozo has been named one of the mortgage industry's most influential executives of 2025 by Mortgage Executive Magazine. Find out why here.

03/07/2026

03/06/2026

https://www.scotsmanguide.com/news/mortgage-rates-back-above-6-percent-as-iran-war-uncertainty-builds/?utm_source=originator&utm_medium=news&utm_campaign=newlayout

Spiking Treasury yields and inflation fears persist following global oil shock

02/09/2026

PRMG work is happening today in my home office. PRMG

02/04/2026

Where you live should support your life — not just your commute. For many buyers, being close to the people who matter most plays a big role in where they choose to plant roots. The good news is that your financing options can be tailored to fit what matters most to you, wherever that may be. 🏡💛 If you’re thinking about a move that puts relationships first, let’s talk through what’s possible — I’m happy to help.

12/12/2025

Don't let your dream home stay on ice! ❄️ If the house hunt has you feeling a bit frosty, let's heat things up together. As your friendly neighborhood loan officer, I'm here to help you navigate the mortgage landscape and turn those chilly prospects into the warm embrace of your dream home. ☕️🏡 Let's chat about your homebuying goals—DM me today!

11/03/2025

📉 The Fed Cut Rates by 0.25%. Will Mortgage Rates Drop?

The Fed lowered its benchmark interest rate by 0.25%.
This helps, but mortgage rates won't fall overnight because they're influenced by more than the Fed.
🤔 What to Expect
• Mortgage rates: May drift slightly lower over the next few months, not instantly.
• Refinancing: Not time to rush but keep an eye out — refi opportunities could open up in 2025 if cuts continue.
• Home affordability: Could improve slowly if rates trend down, but inventory remains the biggest problem.
🧮 Should You Buy, Sell, or Refi Based on Today?
If you're a buyer:
• Don't expect a huge rate drop right away.
• If you find the right house at the right price, it's still better to buy now than try to "time the bottom."
• You'll likely have a refi opportunity later if rate cuts continue in 2025.
If you're a seller:
• Buyers are still rate-sensitive — pricing correctly matters more than ever.
• Slight rate improvements could bring more buyers back into the market this winter.
If you're a homeowner thinking of refinancing:
• Not the moment to jump, unless you have a high 6.5%+ loan and can save meaningfully.
• Keep watching — more cuts in 2025 could create a much better refi window.
📍 Bottom Line for Real Estate
• Relief is coming, but slowly — this isn't a fast drop in mortgage rates.
• Powell didn't give a "green light" for cheaper mortgages yet.
• Expect gradual improvement, not a sudden affordability surge.
Questions? Feel free to contact me at any time!

Michael McCarthy
Branch Manager
NMLS ID # 1455280

M: (312) 813-0626
O: (239) 659-1660

[email protected]
michaelmccarthymortgages.com

Dream Home Lending Team

704 Goodlette-Frank Road N, Ste 307, Naples, FL 34102


©2025 Paramount Residential Mortgage Group, Inc. (“PRMG”) is a mortgage lender. NMLS ID # 75243 (www.nmlsconsumeraccess.org). 1265 Corona Pointe Court, Suite 301, Corona, CA 92879. 866-776-4937. AZ Mortgage Banker License #910387. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Massachusetts Lender/Broker Licenses . Licensed by the N.J. Department of Banking and Insurance. OH .804171.000. Rhode Island Licensed Lender. Equal Housing Opportunity.

06/19/2025

Today we honor the journey toward freedom, equality, and justice while remembering that the work continues daily. Happy Juneteenth.

05/19/2025

Buying a home on your own can be overwhelming, but with a great mortgage professional (like me 😉) by your side, you're never alone in the process! 🏡💪

04/10/2025

Collateral is a key part of the loan process—it’s what helps secure your mortgage and gives lenders confidence in your ability to repay. 🏡💰 In most cases, your home serves as collateral when you take out a mortgage. Understanding how this works can help you make informed financial decisions! Have questions about home loans? Let’s chat!

04/09/2025

Buying a home in today’s market? The right financing strategy can make all the difference! 💰🏡 From securing strong loan options to understanding market trends, I’ll help you navigate the process with confidence. A solid preapproval and realistic expectations will set you up for success. Let’s get you one step closer to homeownership—reach out today!