Anna Ruotolo NMLS #248946

Anna Ruotolo NMLS #248946 Anna Ruotolo | Mortgage Advisor | NMLS #248946
Synergy One Lending NMLS #1907235 This is what Anna Ruotolo & Synergy One Lending can offer you. Licensed in CA.

When financing your home, you need an experienced, reputable Mortgage Advisor and Company who gives you facts, not opinions. You need to find the right loan with a great rate, and you need to get it closed — quickly. AZ, NV and WA

Self-employed? Recent credit event? Swipe to see how non-QM loans open the door to homeownership 🔑
09/07/2026

Self-employed? Recent credit event? Swipe to see how non-QM loans open the door to homeownership 🔑

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. 📊

09/03/2026

That kid had no idea what she was signing up for. 😂

Underwriting conditions, explaining daily rate swings, 11pm texts about DTI, and somehow still smiling for the closing photo every time.

Dreams really do come true.

How many did you check off? Save this for later!
09/02/2026

How many did you check off? Save this for later!

Refinancing 101 🏡Swipe to see how it works! And why so many homeowners are considering it right now.
08/31/2026

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

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. 📊

In your homeowner era 💚
08/26/2026

In your homeowner era 💚

Agents!Do NOT call me... unless you're ready for lightning-fast closings
08/24/2026

Agents!

Do NOT call me... unless you're ready for lightning-fast closings

Address

608 Main Street, Suite E
Pleasanton, CA
94566

Telephone

+19259985244

Website

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