Tony Lomatchinski - EZ Mortgages, Inc.

Tony Lomatchinski - EZ Mortgages, Inc. Loan officer with EZ Mortgages. NMLS: 1771864 DRE: 02221182 Corp NMLS: 1160876 Licensed in CA

Whether it’s a purchase, refinance, reverse mortgage or home equity line Tony will ensure you know all your options and find the right fit for you.

08/13/2026

☀️ Morning Market Update

Stocks and Mortgage Bonds are both up after a second cool inflation report this week. 📉

📊 Wholesale Inflation (PPI)

Headline wholesale inflation was flat in July — better than expected
Year-over-year, it cooled from 5.5% to 4.7%
Core inflation (excludes food & energy) also came in cooler than expected

📋 Jobless Claims

New unemployment claims ticked up slightly, but remain historically low
Continuing claims actually fell, showing a stable job market overall

👀 What's Next

1:00pm today: 30-Year Bond Auction (could move markets depending on demand)

🔑 The Bottom Line: Back-to-back cool inflation reports are shifting the outlook — the odds of a September rate hike have dropped sharply this week. Encouraging signs for anyone watching the market!

Questions about what this means for you? Reach out anytime! 📲

08/12/2026

☀️ Morning Market Update

Stocks and Mortgage Bonds are both up this morning after another tame inflation report. 📉

📊 Inflation Report (CPI)

Inflation cooled to 3.4% year-over-year (down from 3.5%)
Core inflation (excludes food & energy) dropped to 2.5% — the lowest since March 2021
The trend over the last 3 months is now running below the Fed's 2% target
Shelter costs (the biggest piece of inflation) are finally slowing down too

🏦 Mortgage Rates

Rates eased slightly last week
Purchase applications rose 3%, refinances rose 5% week-over-week

👀 What's Next

1:00pm today: 10-Year Treasury Note Auction (can move rates depending on demand)
Tomorrow: Wholesale inflation report (PPI) — expected to show more cooling

🔑 The Bottom Line: Inflation keeps trending in the right direction, and rate-cut odds are back on the table. Great time to check in on your options!

Questions about what this means for you? Reach out anytime! 📲

Cup of
08/10/2026

Cup of

Being self-employed doesn’t prevent you from buying a home, but the mortgage process may require additional preparation....
08/07/2026

Being self-employed doesn’t prevent you from buying a home, but the mortgage process may require additional preparation. Lenders typically review tax returns, business income, bank statements, and overall income consistency to evaluate qualifying income. Because write-offs can sometimes reduce reported income, planning ahead becomes especially important for self-employed buyers.

The good news? There are a variety of loan options designed for different income situations and business structures. I'm happy to walk you through your options and help you understand what lenders will be looking for.

💪🏼
08/03/2026

💪🏼

Even small additional principal payments can have a meaningful impact over time. Because interest is calculated based on...
07/31/2026

Even small additional principal payments can have a meaningful impact over time. Because interest is calculated based on your remaining loan balance, reducing that balance faster can lower the total interest paid throughout the life of the loan. Some homeowners make one extra payment each year, while others add a small amount to their monthly payment. The right strategy depends on your goals, cash flow, and other financial priorities, but understanding your options can help you make more informed decisions about managing debt and building wealth.

Some good ol' 🤣
07/27/2026

Some good ol' 🤣

Saving for a down payment can feel overwhelming, which is why many buyers are happy to learn that gift funds may be an o...
07/24/2026

Saving for a down payment can feel overwhelming, which is why many buyers are happy to learn that gift funds may be an option to help with that cost. The rules vary by loan program, occupancy type, and source of the funds, and proper documentation is important, so it’s helpful to understand the guidelines early in the process. If you're wondering whether gift funds could work for your situation, reach out to me or drop your questions below. I'm always happy to help.

Monday mindset 😅
07/20/2026

Monday mindset 😅

Thinking about changing jobs before buying a home? It may not affect your mortgage as much as you think. Lenders typical...
07/17/2026

Thinking about changing jobs before buying a home? It may not affect your mortgage as much as you think. Lenders typically look at your overall employment history and income stability, not just how long you've been with your current employer. In many cases, moving to a higher-paying job in the same field won't derail your home financing plans. Have questions about your situation? Send me a message – I'm here to help.

Address

4535 Missouri Flat Road Ste. 2E
Placerville, CA
95667

Telephone

(916)5865552

Website

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