Matt Jolivette - Associated Mortgage Brokers

Matt Jolivette - Associated Mortgage Brokers Associated Mortgage Group, Inc. d/b/a Associated Mortgage Brokers NMLS # 86136
www.nmlsconsumeraccess Matt Jolivette is a 2nd generation mortgage broker.

He received his Bachelor of Science in Finance from Portland State University. Prior to PSU, he spent 4 years in the United States Marine Corps. Matt started his mortgage career in 1999 as a loan processor, then to a loan officer in 2002 and eventually became a partner in 2011 of Associated Mortgage Brokers (formerly Associated Mortgage Group, Inc.). In 2016 Matt took over the role as President of

Associated Mortgage Brokers. In 2013, Matt was elected as the president of the Oregon Mortgage Association through 2015. As the lead representative for the mortgage professional, Matt would travel to Salem and Washington, DC to meet with our legislators and lobbied on behalf of the consumer. Matt holds the prestigious Certified Mortgage Consultant® designation. The CMC® is the most advanced designation for mortgage professionals. It is administered by the National Association of Mortgage Professionals (NAMB) and is developed through extensive research by industry experts in the mortgage industry. This certification is gained once the candidate has met certain requirement of experience, knowledge of the mortgage industry and had to pass rigorous examination. The CMC® designation is held by less
than 1% of the licensed mortgage professionals. In December of 2015, Matt was featured in the popular industry publication, the National Mortgage Professional Magazine, “40 Most Influential Mortgage Professionals Under 40.”

As a true mortgage broker, Matt has the unique advantage to offer a wide variety of loan programs from many national lenders at competitive pricing. He also takes great pride on being knowledgeable about the current economic conditions and the constant changes that face the mortgage industry.

You may have seen headlines about the Fed wanting to raise rates to fight inflation.Here's the plain-English problem wit...
07/23/2026

You may have seen headlines about the Fed wanting to raise rates to fight inflation.

Here's the plain-English problem with that.

The prices going up right now are gas and groceries. Those are high because of the conflict with Iran and a blocked shipping route. That's a supply problem.

Raising rates doesn't fix a supply problem. It can't reopen a shipping lane or lower the price of gas.

What it WILL do is raise the payment on your credit cards, your HELOC, and any new loan. Right when 59% of Americans say they're already living paycheck to paycheck.

Here's the silver lining most people miss. If the economy slows down, mortgage rates usually come DOWN. Mortgage rates don't follow the Fed. They follow the bond market, and a slowing economy pulls them lower.

So if you've been waiting on rates, don't watch the Fed. Watch the real economy. And if you want to know what this means for your situation, my door's always open.

What are you seeing hit your budget hardest right now? Gas? Groceries? Something else?

07/23/2026

Home prices fell in only 8 states over the past year. Washington is 1 of them. 📉

That’s not my opinion. That’s the government’s own FHFA data.

Meanwhile the national headlines say prices are still rising. Both things are true at the same time. And 1 number explains why your market can look nothing like the national average.

In the full video I break down that number for Portland, Seattle, Boise, and all 3 Northwest states — including why Idaho is the exception.

Full breakdown, link is in my bio. 🎥

Buying or selling in Oregon, Washington, or Idaho? Drop your city in the comments and I’ll tell you what your market’s doing. I read every single one.

vancouverwa boiseidaho mortgagebroker homeprices housingmarket2026 firsttimehomebuyer pdxrealestate

06/16/2026

The Fed cut interest rates almost 2 full points since September 2024.

Mortgage rates went UP.

Higher today than the day the cuts started. So if you’re waiting for the Fed to fix your rate, here’s the hard truth: the Fed was never going to fix it.

Your mortgage rate doesn’t follow the Fed. It follows the bond market. The Fed cut almost 2 points and rates still rose, because the thing that actually moves your rate is inflation, and inflation is still running more than double the Fed’s target.

Want proof the “bet on the Fed” plan doesn’t work? The most crypto-friendly Fed chair in history just took office. Bitcoin crashed anyway. Gold fell too. The market doesn’t care who’s in the chair. It prices the policy.

Homebuyers waiting for a rate cut are making the same mistake crypto investors just paid for.

Stop watching the Fed. Start running your own numbers.

Full breakdown is on YouTube (link in bio). If you’re buying or refinancing in Portland, Vancouver, or Boise, the free 15-minute call link is there too. 15 minutes and you’ll have real numbers.

06/12/2026

Everybody says FHA is the expensive loan. On a $525,000 house right now, that’s backwards.

I pulled real quotes. FHA came in at 5.99%. Conventional was 6.50% and climbed from there. FHA’s payment was lower, and it had the lowest APR even with its upfront fee baked in.

But here’s the part that matters most: a 680 credit score and a 760 credit score pay the exact same rate on FHA. On conventional, that 680 pays $305 more every single month. FHA doesn’t care about your score. Conventional punishes it.

There’s one catch that can flip the whole thing, and it’s not the rate. I break down all three myths in the full video.

If you’re buying in Oregon, Washington, or Idaho, run your real numbers before you let anyone pick your loan for you.

👉 Full breakdown: link in my bio.

Example scenario, illustrative only. Rates change daily and aren’t a commitment to lend. Matt Jolivette, NMLS # 90661 · Associated Mortgage Brokers NMLS # 86136 · Equal Housing Opportunity.

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Rates just did something wild. 🧵 February ended with the best mortgage rates in over 3 years. Two weeks later we’re at 7...
03/13/2026

Rates just did something wild. 🧵

February ended with the best mortgage rates in over 3 years.

Two weeks later we’re at 7-month highs.

Here’s what happened 👇

The reason is pretty simple. War fears in Iran pushed oil prices up fast. When oil goes up, the cost of moving goods goes up. When that happens, the bond market expects higher inflation. Higher inflation expectations = higher mortgage rates today.

A few things worth knowing right now:

The Fed is not going to fix this. No rate cuts are coming with inflation risks still on the table. And even when they do eventually cut, mortgage rates have actually gone UP after Fed cuts before.

Getting back to February’s lows will take months, not weeks. The bond market needs real data showing inflation is cooling before it relaxes. That process is slow.

Rates can still improve from here. But the path back is bumpier than most people are hoping for.

If you’re waiting for rates to drop before you buy, let’s talk about whether that strategy actually makes sense for your situation.

👇 Drop a comment or send me a DM.

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13535 SW 72nd Avenue Suite 140
Portland, OR
97223

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