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.

Inflation set the tone this week, and it ran hot.Both major inflation reads came in stronger than expected, which kept u...
06/12/2026

Inflation set the tone this week, and it ran hot.

Both major inflation reads came in stronger than expected, which kept upward pressure on the market. Mid-week, a flare-up overseas sent oil prices climbing. By Friday, peace-deal headlines pulled oil back down and cooled some of the tension.

Now the focus shifts to next week's Fed meeting, with a new Fed Chair and a quieter communication style that could change how markets read every move.

Here's the takeaway: the market is still searching for direction, and waiting for certainty has a cost while home prices hold steady. Knowing your numbers now means you can act when the moment is right.

DM me and let's run your numbers. 📊

Rates felt the pull this week, and it wasn't subtle.Markets opened Monday under pressure as Iran-U.S. tensions flared ov...
06/05/2026

Rates felt the pull this week, and it wasn't subtle.

Markets opened Monday under pressure as Iran-U.S. tensions flared over the weekend. Oil climbed back toward $95, manufacturing hit its strongest growth reading in four years, and the jobs market printed stronger numbers than expected at almost every turn. ADP, JOLTS, Factory Orders — all came in above forecast.

Friday's unemployment report wrapped the week on a similar note.

None of this gives the Fed a reason to ease, and the market priced accordingly.

If you're watching rates and waiting for a clear signal — this week was a reminder that the economy isn't cooperating with that plan. The better move is understanding what you can actually afford right now and building your strategy from there.

DM me and let's run your numbers. 📊

Your home might be your biggest financial asset 👀But most homeowners never learn how to actually use it. Save this for l...
06/03/2026

Your home might be your biggest financial asset 👀

But most homeowners never learn how to actually use it. Save this for later!

Rates gave back some ground this week. Here's what drove it.The week opened on an optimistic note. Peace deal hopes with...
05/29/2026

Rates gave back some ground this week. Here's what drove it.

The week opened on an optimistic note. Peace deal hopes with Iran lifted markets early, oil pulled back, and bonds improved. That tone held through Wednesday.

Then Thursday changed the mood. GDP came in softer than expected. Inflation data for April showed prices still running higher than hoped. New home sales dropped. Jobless claims ticked up. The market absorbed a lot at once, and rates reflected it.

The takeaway isn't doom and gloom. It's that the path to lower rates runs through cooler inflation. That story is still playing out, and every data release moves the needle.

If you're watching rates and wondering when to move, let's talk through the numbers. 📊

The best homebuying decision you can make is an informed one.No fine print. No gatekeeping. Just the stuff you actually ...
05/27/2026

The best homebuying decision you can make is an informed one.

No fine print. No gatekeeping. Just the stuff you actually need to know.

Volatility came back this week. Here's what actually happened.Monday opened with a small improvement, but rates were alr...
05/22/2026

Volatility came back this week. Here's what actually happened.

Monday opened with a small improvement, but rates were already sitting at their highest levels since last May.

By Tuesday, global inflation fears and rising oil sent yields higher again. Wednesday gave back a little ground. Friday closed flat, but consumer sentiment dropped to its lowest reading in months and the Iran conflict is still the wild card hanging over everything.

The takeaway: weeks like this are why timing matters. If you're shopping right now, knowing your numbers before you write an offer is what keeps you in control when the market moves.

DM me and let's run yours. 📊
https://myoc.io/

05/22/2026

First Time Homebuyer Friday's: Episode 4
*You can qualify perfectly and still lose the deal. Here's why. 🏡
The fourth C lenders evaluate is Collateral — the property itself. Because the home is what secures the loan, lenders need to confirm it's actually worth what you're paying. That's what the appraisal is for.
If the value comes in low, you may need to renegotiate the price, bring more cash to the table, or in some cases start over entirely.
*But it's not just about value. The condition matters too. Major safety issues, structural concerns, even peeling paint on certain loan types — these can all flag a property as unqualified, even when you're not. You have to qualify. And so does the home.
*This is why having the right team around you matters. Knowing how to structure the offer, prepare for the appraisal, and get ahead of property issues can be the difference between closing and losing the deal.
*If you missed the first three videos on Credit, Capacity, and Capital — go back and watch those. When you understand all four C's, you stop guessing and start winning.
Follow for more first-time buyer insight, and share this with someone who needs to see it. 👇

05/18/2026

Millionaire Mind$et Mondays: Episode 3
*Two paths into real estate investing. Most people only know one. 🏡
House hacking lets you live in the property, rent out part of it, and cut your housing costs while building equity. Lower barrier to entry, lower risk, great starting point if you're okay with shared space.
*A straight rental keeps your personal life separate and focuses purely on cash flow from day one. More capital upfront, but cleaner separation between where you live and what you own.
*Neither is better. The right one depends on your lifestyle, your finances, and how much risk you're comfortable with. Picking the wrong one doesn't just cost money — it burns you out.
Follow for more first-time investor strategies that actually work.

Rates moved in the wrong direction this week. Here's the honest picture.The week started under pressure and never really...
05/15/2026

Rates moved in the wrong direction this week. Here's the honest picture.

The week started under pressure and never really recovered. Tuesday's CPI print came in at the highest level since May 2023. Wednesday's PPI was even worse, far above what economists expected. A brief breather Thursday gave way to a rough Friday as strong manufacturing data hit a four-year high.

The story this week was inflation. It's running hotter than the Fed wants, and the bond market is pricing that in.

What it means if you're watching rates right now: the wait-and-see approach is getting expensive. Home prices aren't pausing while the data sorts itself out, and the window between today's payment and a better one isn't guaranteed to open soon.

DM me and let's run your numbers. 📊

05/15/2026

First Time Homebuyer Fridays: Episode 3
-Most people focus on credit and income. This is the part that catches them off guard. 💰
The third C lenders look at is Capital — what you actually bring to the table. Down payment, closing costs, and in some cases reserves. Reserves are the funds left over after you close, and depending on the loan program, that requirement varies.
-Here's where a lot of buyers get tripped up: it's not just about having the money. It's about being able to prove it. Lenders will ask for your most recent 60 days of bank statements. They're not just checking the balance — they're looking at where the money came from. Large deposits, cash moving around, funds that can't be clearly documented — any of that can slow things down or stop a deal entirely.
-The good news: there are plenty of acceptable sources. Savings, checking, retirement accounts, gift funds from family, certain assistance programs. The key is structuring it correctly from the start. Clean, documented assets make everything move faster and smoother.
-If you're thinking about buying your first home in the Bay Area, follow along — and share this with someone who's been thinking about homeownership. More to come. 👇

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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