FIDA FUND - Mortgage partner you can trust

10/12/2026

In this week's The MBA Mortgage Newsletter:

1 - “Six weeks, 70 basis points: what the bond selloff did to your payment”. The 10-year Treasury went from about 4.66% to as high as 5.36% since early September, and Freddie Mac’s 30-year average went from 6.71% to 7.40%. On a $400,000 loan that’s roughly $197 more per month. It also covers Wednesday’s CPI report as the next test. I opened it with a brief apology for the late send, which you can cut if you prefer.

2 - “The IRS is mailing notices about free retirement money”. The Saver’s Match is a federal match of up to $1,000 per person starting with 2027 contributions, and the piece explains who qualifies and why it’s worth forwarding to someone you know.

3 - Bonus: “Smoked pulled pork for a long fall weekend”. It’s a full recipe with the stall explained, timed for the holiday Monday.

https://fidafund.beehiiv.com/p/the-mortgage-mba-newsletter-4af989ef976864fe

10/02/2026

This week in The Mortgage MBA Newsletter:

1 - Mortgage: "The ARM discount just disappeared" — ties together two threads: rates hitting a fresh 7.58% high yesterday (highest since Nov 2023), and the fact that ARM rates have actually surged to parity or above fixed rates for parts of this cycle, removing the usual rationale for choosing one. Fills your next Teach-pillar slot (the ARM-vs-fixed topic that's been queued since it was first bumped weeks ago).

2 - Personal finance: "Fannie and Freddie just changed how your credit score works" — a genuinely under-covered story from this week: the move to a blended FICO/VantageScore pricing grid, which sent FICO's parent company's stock down. Distinct from everything covered so far, and directly relevant to anyone who'll apply for a mortgage again.

3 - Bonus: "Foil-packet camp dinners" — a practical cooking method piece, different format from the recipe-card style of the last two bonus issues.

Licensed mortgage broker breaking down home loans, money, and long-term wealth in plain English.

09/28/2026

This week in The Mortgage MBA Newsletter:

1 - Mortgage: "Lock now or wait? The verdict, now that we have the data." — This one has a genuinely good hook: the "hike might calm rates" theory from two weeks ago didn't pan out. Rates have actually risen five straight weeks since the hike (now 7.03–7.45% depending on the day/source), with the 10-year Treasury above 5% for the first time since 2007. It's an honest self-correction rather than pretending the earlier theory was right, which should build trust rather than cost it.

2 - Personal finance: "Many homeowners have a big insurance gap. Do you?" — pulled from a fresh CNBC piece (Sep 26), directly relevant to your homeowner audience, with a concrete 5-step check they can do in 20 minutes.

3 - Bonus: "Oktoberfest at home — grilled bratwurst, beer-braised onions" — simple, seasonal, low-effort recipe.

Thank you for your subscription to The Mortgage MBA newsletter. This week we are going to tell you about the latest news in the mortgage industry, and the status of the housing market. I am also going to share some ideas on personal finance. Plus a bonus Oktoberfest at Home article at the end.

09/18/2026

This week in The Mortgage MBA Newsletter:

1 - Mortgage: "The Fed Just Hiked. Here's what actually happens to your rate next." — covers Wednesday's unanimous 25bps hike to 3.75–4%, and the counterintuitive twist: mortgage rates held roughly steady (some trackers even ticked down slightly) since the hike was already priced in, with one theory being it could calm bond markets rather than spook them.

2 - Personal finance: "Your Card Just Got More Expensive" — direct follow-up to your earlier debt-priority piece, now with real numbers: TransUnion's data on the average $6,610 balance at 22% APR seeing a real payment increase within 1–2 billing cycles, plus how savings/CD yields respond (slowly).

3 - Camping bonus: "3 Gear Swaps for Fall Camping" — seasonal, practical, no news-cycle dependency, so it won't go stale like the other two will.

Licensed mortgage broker breaking down home loans, money, and long-term wealth in plain English.

08/27/2026

I am starting a newsletter to share my tips and ideas on Mortgage and Finance. Plus a BBQ recipe and camping tips, all the things which I love to do.

Let's talk shop!

Licensed mortgage broker breaking down home loans, money, and long-term wealth in plain English.

11/30/2025

I'm grateful for the amazing times and incredible relationships we built this year! Can't wait to see what the future holds.

Happy Holidays 2025.
Thank you from Fida Fund

08/01/2025

www.fidafund.com
T: 415-702-7007
E: [email protected]
Conventional, Non-QM, Investment, Private Money
NMLS #2117380

08/01/2025

🏡 Think you need perfect credit or zero debt to buy a home? Think again. From low down payment options to programs for self-employed buyers, there’s more flexibility than you might expect.

💡 Mortgage myths we’re busting:

You don’t need 20% down

Perfect credit isn’t required

Debt doesn’t disqualify you

Self-employed? You’ve got options

You’re not stuck with your mortgage forever

Bay Area homeownership is possible

✨ Empower yourself with facts—not fear. Your dream home might be closer than you think. 📲 DM us to start your journey today.

https://www.fidafund.com/blog/crush-common-mortgage-myths-empower-your-bay-area-homebuying-journey-today

Fida Fund
www.fidafund.com
T: 415-702-7007
E: [email protected]
Conventional, Non-QM, Investment, Private Money
NMLS #2117380

07/28/2025

🏠 Think Homeownership Is Out of Reach? You don’t need 20% down to buy a home—seriously. 💡 Down Payment Assistance (DPA) programs can help you get started with as little as 3%... or even 0%.

✨ Whether you're a first-time buyer or just need a boost, DPA programs offer grants, loans, and tax credits to ease upfront costs. Many are income-based and locally funded—so the help is closer than you think.

📍 Start by checking your state housing agency or chatting with a mortgage pro who knows your options.

📋 Education = power. Most programs require a short homebuyer course—and it can make you a stronger applicant.

👣 Your path to ownership could be closer than you think. Let’s find the right DPA program for you.

https://www.fidafund.com/blog/boost-your-homebuying-power-with-down-payment-assistance

Fida Fund
www.fidafund.com
T: 415-702-7007
E: [email protected]
Conventional, Non-QM, Investment, Private Money
NMLS #2117380

07/25/2025

🏡 Fall Into Homeownership 🍂 As summer cools down, the market heats up for buyers. With fewer competitors and more motivated sellers, now’s your chance to lock in a deal before the leaves drop! ✔️ Less competition = better prices ✔️ Sellers more open to negotiation ✔️ Cooler weather, better open house vibes ✔️ Get pre-approved early & gain the edge Your dream home might be closer than you think—let’s make it happen before fall rolls in! 🍁 📞 Connect with your mortgage expert today.

https://www.fidafund.com/blog/seize-the-season-buy-your-dream-home-before-fall-arrives

Fida Fund
www.fidafund.com
T: 415-702-7007
E: [email protected]
Conventional, Non-QM, Investment, Private Money
NMLS #2117380