Wesley Terrell, Loan Officer, NMLS #2490148

Wesley Terrell, Loan Officer, NMLS #2490148 Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Wesley Terrell, Loan Officer, NMLS #2490148, Loan service, 608 Main Street, Suite E, Pleasanton, CA.

Refinancing 101 🏡Swipe to see how it works! And why so many homeowners are considering it right now.
09/07/2026

Refinancing 101 🏡
Swipe to see how it works! And why so many homeowners are considering it right now.

Rates hit their highest levels since 2023 this week. Here's what happened.Monday kicked things off with a jolt — overnig...
09/04/2026

Rates hit their highest levels since 2023 this week. Here's what happened.

Monday kicked things off with a jolt — overnight U.S. strikes on Iranian targets sent oil surging toward $91 a barrel and pushed yields sharply higher to start the week. The Fed's tone wasn't helping either. Chair Warsh's Jackson Hole comments from the prior Friday had already put markets on notice that hikes were back on the table if inflation didn't cooperate.

Tuesday and Wednesday kept the pressure on. Record global debt levels, planned treasury buybacks, AI-fueled corporate spending, and an Iran situation with no resolution in sight all piled on. The bond market was getting squeezed from every direction.

Thursday brought a brief reprieve. The 10-Year pulled back slightly after touching highs not seen since 2023, and jobless claims came in near expectations. Services activity also surged — PMI hit 56.5 for August, well above what the market expected.

Then Friday's jobs report landed and flipped the script. Nonfarm payrolls came in at 162,000 — more than three times the 53,000 forecast. Unemployment held at 4.1%. That's the strongest jobs print since March, and it's enough to give the Fed pause before pulling the hike trigger at their upcoming meeting.

Rates are still elevated, but this week ended with more uncertainty than it started with — and uncertainty cuts both ways.

If you've been on the sideline waiting for clarity, this is your reminder that the data doesn't move in a straight line. What you can control is being prepared. DM me and let's run your numbers. 📊

The streamlined refi Veterans should know about 👉 Swipe through!
08/31/2026

The streamlined refi Veterans should know about 👉 Swipe through!

Mixed signals all week, but rates didn't get any relief. Here's the breakdown.Monday opened quietly, with markets still ...
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. 📊

Conventional loans are one of the most common financing options out there... but "conventional" doesn't mean "one-size-f...
08/24/2026

Conventional loans are one of the most common financing options out there... but "conventional" doesn't mean "one-size-fits-all." Swipe through to learn more 🏡

Rates moved in the wrong direction this week. Here's what drove it.Monday opened with markets already on edge — the Fed'...
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. 📊

Homeownership doesn't come with an instruction manual — so here are 6 things your mom probably never told you about owni...
08/19/2026

Homeownership doesn't come with an instruction manual — so here are 6 things your mom probably never told you about owning a home 🏡📋

The market spent this week getting more comfortable, not less. 📉Monday opened with everyone waiting on inflation data af...
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.

Your homeownership starter pack.Choose your favorite emoji and follow it to the end! Let me know if you agree with your ...
08/12/2026

Your homeownership starter pack.

Choose your favorite emoji and follow it to the end!

Let me know if you agree with your emoji 💬

This week had a little bit of everything.Pricing improved early in the week, then gave some of it back by Thursday.Frida...
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. 📊

Address

608 Main Street, Suite E
Pleasanton, CA
94566

Opening Hours

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

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