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Steve Jones Team - Cornerstone Mortgage Solutions

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Steve Jones Team - Cornerstone Mortgage Solutions

We are a team of trusted lending advisors with a local reputation for integrity and customer service NMLS 248866

10/14/2026

Your friend just bought a house, and now you're comparing their mortgage to yours. 🏡

But here's the thing: Just because you're both buying a home doesn't mean you're getting the same loan.

Your loan terms, monthly payment, closing costs, down payment, loan type, and credit score can all make your mortgage look different from someone else's.

That's why comparing numbers without understanding what's behind them can be misleading.

💬 Message me "𝗖𝗢𝗠𝗣𝗔𝗥𝗘" and let's look at what actually makes sense for YOU.

10/12/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗢𝗰𝘁𝗼𝗯𝗲𝗿 𝟭𝟮, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝗱 👍
After moving higher to start the week, mortgage rates got a little better as the week went on, ending just slightly lower than the week before. It wasn't a big improvement, but at least it broke the streak of rates moving higher over the last few weeks.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
There are some early signs that mortgage rates may be done climbing, at least for now. We could still see some ups and downs this week though, especially with inflation data coming out in the middle of the week.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
• Inflation data: Consumer inflation data comes out Wednesday, followed by wholesale inflation data on Thursday. If inflation is lower than expected, rates could improve a little more, but higher inflation could push them back up.
• Oil: Oil prices will continue to influence mortgage rates this week, although the connection between the two hasn't been quite as strong recently.
• The Fed: The Fed raised its policy rate in September, but markets have recently backed off expectations for another increase in October. This week's inflation reports and comments from Fed officials could change those expectations.

10/10/2026

New 5.0-star Review: "Great experience with the team. Very professional and thorough. The whole process was seamless. Their loan processor, Katy, was a pleasure to work with. I will definitely use them again."

10/08/2026

🌀 Gulf Coast family, please stay safe as the hurricane approaches. Your family’s safety comes first—keep your phones charged, have your essentials ready, and follow updates and instructions from local officials.

The Steve Jones Team is praying for protection over our community and everyone in the storm’s path!

10/07/2026

𝗣𝗮𝘆𝗶𝗻𝗴 $𝟯,𝟬𝟬𝟬 𝗶𝗻 𝗿𝗲𝗻𝘁 𝗮𝗻𝗱 𝗯𝗲𝗶𝗻𝗴 𝘁𝗼𝗹𝗱 𝘆𝗼𝘂 𝗱𝗼𝗻’𝘁 𝗾𝘂𝗮𝗹𝗶𝗳𝘆 𝗳𝗼𝗿 𝗮 $𝟮,𝟳𝟬𝟬 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲? 🤔

It can feel confusing, but rent and mortgages are approved differently.

When you apply for a home loan, mortgage professionals look at more than just what you pay each month. They also look at things like your income, credit, car payments, credit cards, and other debt.

And here’s the big thing: 𝗻𝗼𝘁 𝗲𝘃𝗲𝗿𝘆 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗽𝗿𝗼 𝗼𝗿 𝗹𝗼𝗮𝗻 𝗽𝗿𝗼𝗴𝗿𝗮𝗺 𝗵𝗮𝘀 𝘁𝗵𝗲 𝘀𝗮𝗺𝗲 𝗿𝘂𝗹𝗲𝘀.

So if one tells you no, that doesn’t always mean you’re out of options.

Get a second opinion. You can ask me about different loan programs. You might have more options than you think.

Thinking about buying a home and needing a mortgage? Reach out to me, and I can see what may work for your situation.

10/05/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗢𝗰𝘁𝗼𝗯𝗲𝗿 𝟱, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Mortgage rates continued to climb last week despite slightly lower oil prices, weaker-than-expected labor data, and markets backing off expectations for a Fed rate hike this month. There was a lot of day-to-day volatility, but pressure on global bond markets ultimately helped push rates higher.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗴𝗲𝘁 𝘄𝗼𝗿𝘀𝗲 👎
Unfortunately, it doesn't look like rates will be moving lower anytime soon, and they could continue to creep higher. Treasury yields are still near their highest levels in decades and continue to rise, which will keep putting pressure on mortgage rates.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
• Oil: Oil prices will continue to influence mortgage rates this week, although the connection between the two hasn't been quite as strong recently.
• Economic data: There are only a few reports this week that could influence mortgage rates, and none that require a lot of attention from us.
• Bond yields: Yields continue to rise globally, and as the 10-year Treasury yield moves higher, mortgage bonds are likely to sell off as well, putting additional pressure on mortgage rates.

09/30/2026

That new car might fit your budget…

But it could still get in the way of buying a house. 😬

When you apply for a mortgage, mortgage professionals look at your monthly debt. A new car payment adds to that debt and can potentially lower how much home you qualify for, even if you have good credit.

So if buying a house is on your radar, talk to me 𝗯𝗲𝗳𝗼𝗿𝗲 you head to the dealership.

The order matters. 🏡🔑

Send this to someone thinking about buying a car AND a house.

09/28/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗦𝗲𝗽𝘁𝗲𝗺𝗯𝗲𝗿 𝟮𝟴, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Mortgage rates moved to new 2026 highs last week and were as volatile as forecasted in last week's commentary. Rates pushed higher as bond yields reached 20-year highs and oil prices remained elevated.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗴𝗲𝘁 𝘄𝗼𝗿𝘀𝗲 👎
Mortgage rates are likely to continue moving higher this week, pushed up by rising energy costs and speculation that the Fed will hike rates twice more this year. There is a slim chance rates could hold or improve slightly if something positive happens in the Middle East that helps oil prices fall, but the odds aren't great.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
•Middle East: Oil prices and headlines surrounding talks between the U.S. and Iran will continue to play a big role in mortgage rates this week.
•Jobs data: There are multiple jobs reports this week, but Friday's BLS jobs data will likely have the biggest effect on mortgage rates. Signs of a strong labor market could push rates higher by increasing speculation that the Fed will continue to hike its policy rate.
•Bond yields: Crushing amounts of government debt have investors demanding higher yields on Treasuries, and the rising 10yr Treasury yield plays a big role in mortgage pricing.

09/26/2026

New 5.0-star Review: "Seamless!"

09/25/2026

New 5.0-star Review: "Very smooth transaction!! David and his team kept the deal on track and we closed earlier than expected!!"

Address

Pensacola, FL
32504

Opening Hours

Monday	8:30am - 5pm
Tuesday	8:30am - 5pm
Wednesday	8:30am - 5pm
Thursday	8:30am - 5pm
Friday	8:30am - 5pm

Website

http://www.stevejonesteam.com/

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