David Lodder NMLS #230173

09/01/2026

5.0 star review received on Experience.com for David Lodder by Monica L M - David is reliable and always informed us of our options. David also helped me during my loan proc with my prevou home. This time my husband has VA benefits. At first we where hesitant to not go with a direct VA lender , but David assured us it would not be an issue for him. David navigated all this and still gave excellent customer service even during a transition with his company. David will forever be our go to guy. We will definitely love to work with him again.

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08/31/2026

The home loan benefit for veterans 🏡 Swipe to learn more!

08/28/2026

Mixed signals all week, but rates didn't get any relief. Here's the breakdown.

Monday opened quietly, with markets still digesting the prior week's debt ceiling news and treasury buyback chatter. Tuesday brought a drop in new home sales — down sharply from June — with builders leaning on rate buydowns and price cuts to keep buyers at the table.

Wednesday's PCE reading was the week's main event. Inflation came in slightly above forecast, which kept pressure on yields. GDP for Q2 held near expectations, so the economy isn't falling apart — it's just not cooling fast enough to give the Fed cover to move.

Thursday's jobless claims were actually a bright spot. Claims came in below forecast and continuing claims dropped, pointing to a labor market that keeps holding up despite everything.

Friday wrapped the week with consumer confidence sliding to its lowest reading of the year, driven by Iran tensions, persistent inflation, and uncertainty about where things go from here.

The week ended essentially where it started — rates flat to slightly worse, no clear catalyst for relief on the horizon.

If you've been waiting for the market to hand you a perfect moment, this week was a reminder it probably won't. What you can control is your preparation. DM me and let's run your numbers. 📊

08/24/2026

FHA loans are one of the most popular options for first-time buyers. Swipe through to learn the basics 🏡

08/21/2026

Rates moved in the wrong direction this week. Here's what drove it.

Monday opened with markets already on edge — the Fed's September meeting odds had traders pricing in a hold, and housing data was setting up to disappoint. Tuesday confirmed it: housing starts fell sharply in July, and oil held near $85 as the Iran situation dragged on with no resolution in sight.

Wednesday brought some brief relief when Treasury announced an expanded buyback program for longer-term debt. But that didn't last. The same day, the national debt crossed $40 trillion, and the Fed's meeting minutes dropped with a clear message: if inflation doesn't keep cooling, rates may need to go higher.

Thursday gave that back and then some.

The labor market is still holding, but the Fed isn't ready to ease. And oil prices mean inflation has another potential leg up.

If you're watching rates from the sideline — this week was a reminder that waiting for "perfect" has a cost. Getting pre-approved now puts you in control, regardless of where rates go next.

DM me and let's run your numbers. 📊

08/14/2026

The market spent this week getting more comfortable, not less. 📉
Monday opened with everyone waiting on inflation data after a soft jobs report. Wednesday's CPI came in cooperative. Thursday's producer prices told the same story. By Friday, retail sales came in negative when growth was expected, and the conversation had fully shifted from whether the Fed hikes in September to how long they hold.
That combination, easing inflation plus a cooling consumer, is the backdrop that gives mortgage pricing room to breathe.
If you paused your search this summer because the math wasn't working, the math has quietly changed since then. Worth a look before the next round of data lands.
DM me and let's run your numbers.

08/07/2026

This week had a little bit of everything.
Pricing improved early in the week, then gave some of it back by Thursday.
Friday brought the twist: July's jobs report came in weaker than expected, and that soft labor data pulled things back in buyers' favor to close out the week.
It's a good reminder that rates don't move in a straight line. Staying ready matters more than trying to time it perfectly.
DM me and let's run your numbers. 📊

05/13/2026

Whether it's a missed payment, a season of overspending, or a financial decision you wish you could take back, financial mistakes are commonplace, and so is the stress they bring. But holding onto that financial guilt can get in the way of making progress on your goals.

To move forward, here are strategies for course correcting without guilt.

Made money mistakes? Learn how to forgive your financial past, release guilt, and rebuild your finan...

05/12/2026

The water heater goes out in the middle of a shower. The roof starts leaking while you're out of town. Your kid practices their curveball… and your front window ends up being the catcher.

Homeownership is full of surprise repairs, but these four tips can help you plan ahead so you're not scrambling to cover the cost at the worst possible time.

How to be financially ready for costly household emergencies.

05/12/2026

Homeowners are facing a steep rise in the cost of homeowners insurance—and the impact is being felt in nearly every region of the U.S.

Newrez mortgage servicing data shows that insurance premiums tied to borrower escrow accounts rose 6...