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Team Depinna, Mortgage Lenders Northwest

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United States
Portland, OR
Team Depinna, Mortgage Lenders Northwest

I provide Purchase and Refinance Financing for individuals as well as Real Estate Consulting and Education Employee Benefits Programs for Companies

I am a Mortgage Broker and Loan Officer, assisting my clients with Purchases and Refinances of properties in Oregon and Washington. We also work with companies, providing them with the HomebenefitIQ Real Estate Finance Education and Consultation Benefits Program as a voluntary Employee Benefit to their employees.

07/20/2022

My brother finally got the keys! As mortgage brokers we don’t usually have the opportunity to be there when your client gets the keys to their home. In this case, my brother allowed it 😆

Excited to see what’s in store for and in their new home 💙

03/28/2022

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗠𝗮𝗿𝗰𝗵 𝟮𝟴, 𝟮𝟬𝟮𝟮

𝗥𝗲𝗰𝗮𝗽 𝗼𝗳 𝗹𝗮𝘀𝘁 𝘄𝗲𝗲𝗸: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Mortgage rates got worse last week, pushed higher as markets reacted to continued high inflation and comments by Fed Chair Jerome Powell that the Fed would take the necessary steps to curb it. Although the Fed doesn't set mortgage rates, mortgage rates are influenced by Fed actions.

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗺𝗼𝘃𝗲 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Mortgage rates have a good chance of continuing higher this week as investors continue to react to increased inflation and the Fed increasing policy rates. There is almost zero chance that rates will move lower from here this week or anytime soon, based on the economic conditions we are currently faced with. Online rate quotes and ads should be ignored and it is important that you discuss your unique situation with your mortgage professional, and understand that we have seen an unprecedented surge higher in rates for all lenders.

𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Economic data: Not much to worry about, only Friday's jobs data has potential to affect rates.
- Inflation: An ongoing concern of high inflation, made worse by the war in Ukraine, continues to be the main driver for rates as it forces the Fed to raise policy rates to try and slow it down.

03/21/2022

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗠𝗮𝗿𝗰𝗵 𝟮𝟭, 𝟮𝟬𝟮𝟮

𝗥𝗲𝗰𝗮𝗽 𝗼𝗳 𝗹𝗮𝘀𝘁 𝘄𝗲𝗲𝗸: 𝗥𝗮𝘁𝗲𝘀 𝗴𝗼𝘁 𝘄𝗼𝗿𝘀𝗲 👎
Mortgage rates continued to move higher last week, pressured by inflation and increasing bond yields. Although rising rates coincided with last week's Fed policy rate increase, the Fed doesn't directly control mortgage rates. Rates showed signs of stabilizing on Thursday and Friday, but couldn't hold.

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗰𝗿𝗲𝗲𝗽 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Mortgage rates are off to a poor start to the week, as markets prepare for the Fed to reduce its balance sheet and continue raising policy rates at future Fed meetings. Mortgage rates are directly tied to mortgage bonds, which lenders use to replenish funds to lend. As bond yields rise, so do mortgage rates. The likely best case scenario for this week would be rates remaining the same.

🗓️ 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Economic data: It is a quiet week and there is no economic data that should affect rates this week.
- Ukraine/Russia: Although playing a role in rates, shouldn't cause any sudden moves in rates unless something major happens to end or escalate the war.
- Fed speakers: Various members of the Fed will be speaking this week, and could cause moves in mortgage rates as markets look for signs of when and how the Fed will begin reducing its balance sheet.

03/17/2022

🍀 Happy St. Patrick's Day! 🍀

If you need help getting that 'pot of gold' for buying a home, don't look at the end of the rainbow or chase that leprechaun... I'm here to help.

𝗧𝗵𝗲 𝗯𝗲𝘀𝘁 𝗽𝗮𝗿𝘁 𝗶𝘀 𝗺𝘆 𝗴𝗼𝗹𝗱 𝗰𝗼𝗺𝗲𝘀 𝘄𝗶𝘁𝗵 𝗮 𝗹𝗼𝘄 𝗶𝗻𝘁𝗲𝗿𝗲𝘀𝘁 𝗿𝗮𝘁𝗲, 𝗮𝗻𝗱 𝗻𝗼 𝗵𝗮𝘀𝘀𝗹𝗲!

Reach out anytime, you don't have to be Irish to get a great mortgage on St. Patrick's Day! 😂

03/14/2022

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗠𝗮𝗿𝗰𝗵 𝟭𝟰, 𝟮𝟬𝟮𝟮

𝗥𝗲𝗰𝗮𝗽 𝗼𝗳 𝗹𝗮𝘀𝘁 𝘄𝗲𝗲𝗸: 𝗥𝗮𝘁𝗲𝘀 𝗴𝗼𝘁 𝘄𝗼𝗿𝘀𝗲 👎
Average mortgage rates moved higher last week as concerns about increasing inflation continued. Rising prices in oil have led to the highest gas prices in U.S. history, which are pushing the price of goods higher as items get more expensive to make and transport.

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗹𝗶𝗸𝗲𝗹𝘆 𝘁𝗼 𝗰𝗿𝗲𝗲𝗽 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Mortgage rates are likely to worsen this week, driven by the Ukraine/Russia war and the Fed meeting, unless something happens in Ukraine to spook investors to safe havens.

🗓️ 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Economic data: Tuesday brings wholesale inflation data and Wednesday brings retail sales data, both of which may have a small effect on rates. Housing data this week, while important to monitor, is not likely to affect rates.
- Ukraine/Russia: Rates are no longer seeing clear benefits of investors moving to safe haven bonds, as instead concerns about the war's impact on the global economy take front stage.
-The Fed: The Fed will release its policy statement Wednesday afternoon, as well as the forecast of Fed members on where rates will be over the next couple of years. The announcement as well as Fed Chair Jerome Powell's subsequent press conference have the potential to be bad for rates.

03/09/2022

👉 𝗗𝗼𝗻'𝘁 𝗮𝘀𝗸 𝘀𝗼𝗺𝗲 𝗼𝗻𝗹𝗶𝗻𝗲 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗰𝗮𝗹𝗰𝘂𝗹𝗮𝘁𝗼𝗿 𝘁𝗼 𝗱𝗼 𝗮 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗽𝗿𝗼𝗳𝗲𝘀𝘀𝗶𝗼𝗻𝗮𝗹'𝘀 𝗷𝗼𝗯.

✅ If you're thinking about buying a home or out actively looking, we should talk.

Reach out anytime.

03/07/2022

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗠𝗮𝗿𝗰𝗵 𝟳, 𝟮𝟬𝟮𝟮

𝗥𝗲𝗰𝗮𝗽 𝗼𝗳 𝗹𝗮𝘀𝘁 𝘄𝗲𝗲𝗸: 𝗥𝗮𝘁𝗲𝘀 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝗯𝗲𝘁𝘁𝗲𝗿 👍
Average mortgage rates improved last week, but only by a small margin, as the war in Ukraine pushed investors to seek safety in bonds. Stronger sanctions against Russia early in the week helped rates improve before losing some ground Wednesday and Thursday. Friday's Russian attack of a Ukrainian nuclear power plant helped rates to improve again despite stronger than expected jobs data.

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗹𝗶𝗸𝗲𝗹𝘆 𝘁𝗼 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
Mortgage rates are likely to be volatile this week, with rates being slightly better or worse depending on global market reactions to developments in Ukraine. While rates may move slightly day-to-day, we shouldn't see any big moves higher or lower unless something major happens Ukraine. The Fed meets next week, and is likely to raise policy rates by a quarter percent. Surging oil prices driving up gas costs, along with sanctions against Russia could push inflation higher, hurting mortgage rates.

🗓️ 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Economic data: Thursday's inflation data could affect rates, otherwise a quiet week.
- Russia/Ukraine: Both geopolitical events as well as concerns about sanctions and rising oil prices are the biggest factor for mortgage rates this week.

02/28/2022

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗙𝗲𝗯𝗿𝘂𝗮𝗿𝘆 𝟮𝟴, 𝟮𝟬𝟮𝟮

𝗥𝗲𝗰𝗮𝗽 𝗼𝗳 𝗹𝗮𝘀𝘁 𝘄𝗲𝗲𝗸: 𝗥𝗮𝘁𝗲𝘀 𝘂𝗻𝗰𝗵𝗮𝗻𝗴𝗲𝗱 👍
Average mortgage rates were worse to start the week after a 3-day weekend, but ended the week nearly unchanged after geopolitical concerns caused by the Russian invasion of Ukraine caused investors to seek safety in bonds, which normally helps mortgage rates.

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗶𝗺𝗽𝗿𝗼𝘃𝗲 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 👍
Mortgage rates are not likely to improve much, but could improve slightly this week from concerns about the sanctions imposed against Russia for invading Ukraine. Investors are worried that sanctions could affect the global economy, especially Europe's economy, which relies on Russian energy. Expectations of a Fed policy rate increase in March still remain, although markets now believe the Fed will only raise rates a quarter percent rather than the previously expected half point.

🗓️ 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Economic data: A full week of data, but Friday's jobs data has the most potential to affect rates.
- The Fed: Mortgage rates may be helped this week by expectations of a smaller rate hike at the March Fed meeting.
- Russia/Ukraine: Russia has now invaded Ukraine, and continued pressure from western nations to retreat could help mortgage rates improve slightly.

02/25/2022

🤔 𝗗𝗶𝗱 𝘆𝗼𝘂 𝗸𝗻𝗼𝘄...

✅ that more than 6 MILLION homes were sold in 2021?
✅ that 6 million is the most homes sold since 2006?
✅ and that despite rising mortgage rates, existing home inventory in January was 1.6 months? (that's a RECORD LOW for inventory!)

𝗪𝗵𝘆 𝗮𝗺 𝗜 𝘁𝗲𝗹𝗹𝗶𝗻𝗴 𝘆𝗼𝘂 𝘁𝗵𝗶𝘀?

Simple. I want you to know that...
✅ now is a GREAT time to find a new home.
✅ prices are not likely to drop anytime soon (as long as demand remains strong and supply remains low).
✅ and that I can help you get a low rate mortgage on your home purchase!

𝗜'𝗺 𝗵𝗲𝗿𝗲 𝗶𝗳 𝘆𝗼𝘂 𝗻𝗲𝗲𝗱 𝗺𝗲, if you want to discuss numbers, see what you qualify for, or get a referral to a great real estate agent, just let me know.

𝗗𝗼𝗻'𝘁 𝗹𝗲𝘁 𝘁𝗵𝗲 𝗵𝗲𝗮𝗱𝗹𝗶𝗻𝗲𝘀 𝘀𝗰𝗮𝗿𝗲 𝘆𝗼𝘂, 𝗱𝗲𝘀𝗽𝗶𝘁𝗲 𝗿𝗶𝘀𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝗻𝗼𝘄 𝗶𝘀 𝘀𝘁𝗶𝗹𝗹 𝗮 𝗳𝗮𝗻𝘁𝗮𝘀𝘁𝗶𝗰 𝘁𝗶𝗺𝗲 𝘁𝗼 𝗯𝘂𝘆 𝗮 𝗵𝗼𝗺𝗲!

Reach out anytime!

02/22/2022

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗙𝗲𝗯𝗿𝘂𝗮𝗿𝘆 𝟮𝟭, 𝟮𝟬𝟮𝟮

𝗥𝗲𝗰𝗮𝗽 𝗼𝗳 𝗹𝗮𝘀𝘁 𝘄𝗲𝗲𝗸: 𝗥𝗮𝘁𝗲𝘀 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝘄𝗼𝗿𝘀𝗲 👎
Mortgage rates moved higher last week, but only slightly, as speculation of a larger Fed rate hike in March started to fade. Concerns about escalating tensions at the Russia/Ukraine border also kept rates from moving too much higher.

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗶𝗺𝗽𝗿𝗼𝘃𝗲 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆
Mortgage rates could see some volatility this week but ultimately end the week slightly better, as markets react to the unfolding situation at the Russia/Ukraine border. Concerns about Russia invading Ukraine could push investors to seek safe havens in bonds, which helps mortgage rates improve slightly. Also, belief that the Fed will not make a big splash when raising rates in March is gaining momentum, and could help rates improve slightly.

𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Economic data: Lots of data in a holiday shortened week could cause some volatility in mortgage rates this week, especially Friday's inflation data.
- The Fed: Mortgage rates may be helped this week by investors once again believing a smaller rate hike is more likely from the Fed at the March Fed meeting.
- Russia/Ukraine: Concerns that Russia will invade the Ukraine are mounting, pushing investors to the safety of bonds and helping mortgage rates.

Address

5319 SW Westgate Drive , Suite 127
Portland, OR
97221

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

http://www.mortgagelendersnorthwest.com/

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