M&M Mortgage Team

03/24/2026

Since December 2025, rates have unfortunately deteriorated significantly, and this trend is largely driven by the rising price of oil. As a result, we may have temporarily missed the optimal window for refinancing at the lowest rates since 2022.

However, it's important to remember that these market conditions are constantly evolving. Once oil prices eventually come back down, we should see another opportunity to secure more favorable rates. Because we can't predict exactly when or for how long improvements in pricing will occur, it would be wise to get everything in position ahead of time so we're ready to act quickly.

If you would like a customized rate quote, just reply to this email and I’ll send you the latest rate stack tailored to your situation.

Please let me know if you have any questions or need further information. I’m happy to help you navigate these changing conditions.

Call now to connect with business.

02/23/2026

Conventional 30 fixed rate just fell! Rates are lower across the board than they have been over the last 3 years!CALL ME FOR A QUOTE

01/28/2026

After seeing three rate drops by the Federal Reserve in 2025, both Fannie Mae and the economists at the Mortgage Bankers Association believe we have reached the lowest point this week in the last three years. However, they also assume rates will remain frozen from here until the end of 2027, possibly even going back up a little.

How can we be sure of anything we hear these days? Good question! No one really knows what rates will do BUT if you have been holding off on reducing your current rate because you think things will improve, you might want to seriously consider the delay.

If you have been given the opportunity to reduce your payment by at least $100.00 and the costs do not exceed the monthly savings x 36 months, you should proceed.

If you want to talk about this more, give me a call! (757) 337-3287

12/13/2025

How about a rate reduction refinance for Christmas 🎄? Start the new year with a lower payment! Rates are down⬇️Call me

11/17/2025

ATTENTION REALTORS!

Do you get buyer leads from your preferred lender?

10/31/2025

Haunting for a new home? Interested in monster savings on your monthly mortgage payments? Call me!

10/29/2025

Exciting incentives are always on the menu! Reach out today to hear how I can outprice the competition and help you sink your teeth into the lowest interest rate possible! The FED dropped the rate today by another .25%!!! Call me for a quote 757-337-3287

10/27/2025

Nobody expects you to be a mortgage expert. That's what I'm here for! Let me help translate the complexities of buying a home into a smooth and easy experience you'll understand with ease. Call today!

08/19/2025

With the cost of living still high and rate drops from the Fed uncertain, now’s the time to take control! Refinance at wholesale pricing and start saving money today—don’t wait for what might happen tomorrow. 💸🏡

08/18/2025

While no one knows what mortgage rates will do, don't let the uncertainty keep you from moving forward. Life is too short to stop moving. What we do know is that there are specials RIGHT NOW to reduce rates AND property values will continue to go up making any savings in rates obsolete due to higher purchase prices. So, if you are waiting for the rates to drop - you may wait yourself out of opportunity. Call me know - I will have to walk through the numbers with you! (757) 337-3287

08/08/2025

Tired of waiting for the rates to drop? GREAT NEWS!!!!
We have a special this month with rates 90bp lower than market rates on all streamline refinances. STOP WAITING AND TAKE ADVANTAGE NOW! CALL OR EMAIL ME TODAY!!!!!!
(757) 337-3287 OR [email protected]

Call now to connect with business.