E5 Home Loans - Casey Charpio NMLS: 1309924

08/08/2025

How to Handle the Largest Data Breach in History

Protect yourself after a data breach with the following resources, and find out if your information was compromised. Recently, one of the largest and most impactful data breach involved National Public Data (NPD). The data breach exposed an estimated 2.9 billion records, including names, addresses a...

04/21/2025

"Imagine all the people / Living life in peace"

John Lennon - Imagine

04/14/2025

"You can't always get what you want, but if you try sometimes well you just might find you get what you need"

– The Rolling Stones - You Can't Always Get What You Want

04/07/2025

"Don't stop believin'
Hold on to that feelin' "
– Journey - Don't Stop Believin'

04/01/2025

Loving your new home and want to share the happiness? Refer me to your loved ones so that I can help make it happen for them, too.

E5 charges no points and no crazy fees while providing .

We shop for the best products with the most competitive rates. Get a

03/28/2025

Rates steady to slghtly higher 😐
In the past 30 days, mortgage rates have been steady, fluctuating inside a 1/8th point range. This past week, inflation reports came in as expected, but still above the target 2%, and consumer confidence continues to drop. Despite economic concerns rates remain constant for now.

Contact for current rates and see if is right for you

E5 charges no points and no crazy fees while providing .

We shop for the best products with the most competitive rates. Get a

03/24/2025

“It takes great deal of courage to see the world in all its tainted glory, and still to love it.”
― Oscar Wilde

03/20/2025

Fed Keeps Fed Fund Rate the Same 😐
As expected, the central bank announced it is keeping the federal funds rate the same. Wednesday's Fed announcement had a noticeably positive impact on bonds despite yielding "just another day" vibes in the bigger picture. The impact on mortgage rates was keeping them steady with slight improvement.

Contact for current rates and see if is right for you

E5 charges no points and no crazy fees while providing .

We shop for the best products with the most competitive rates. Get a

03/17/2025

“Live! Live the wonderful life that is in you! Let nothing be lost upon you. Be always searching for new sensations. Be afraid of nothing.”
― Oscar Wilde

03/10/2025

“To live is the rarest thing in the world. Most people exist, that is all.”
― Oscar Wilde

03/06/2025

Rates turn up after weeks of improvement 🙁
Two good weeks for mortgage rates mirrored two poor weeks for the stock market, as econ data and economic concerns pushed investors away from stocks and into bonds (mortgage rates are based on bonds where more demand means lower rates). After a 2,000 point DJI fall, the market turned, pushing rates higher.

There have been two notable attempts on the part of stocks to bounce back over these two weeks and today was one of them. Rates have been under pressure at the same time, but they're not just thinking about stocks.

Rates/bonds prefer to take cues from economic data. While today's was mixed, the more meaningful of the two key reports was not rate-friendly.

To quote MBSlive, “Stocks are like the friend who wants to keep partying. Bonds are like the friend who has to work in the morning.”

Contact for current rates and see if is right for you

E5 charges no points and no crazy fees while providing .

We shop for the best products with the most competitive rates. Get a