Kevin Shangraw, NMLS #1060677

03/02/2026

"I want to hold off locking my rate. I heard the Fed may cut rates again."

I hear this all too often. Today is a teachable moment on why you don't want to gamble and risk losing thousands in interest savings.

With the events of the weekend, the rates moved quite a bit higher. Now they are back to early February levels. Who knows what the future brings. These unknowns can throw a solid mortgage strategy off the rails.

Listen to your mortgage originator. There is far more to lose than to gain by trying to time the market.

02/27/2026

https://www.nytimes.com/2026/02/26/business/mortgage-rates-30-year.html

The evidence is patchy on whether lower rates have meaningfully spurred more activity, as the Trump administration floats measures it says will make housing more affordable.

02/17/2026

Mortgage rates are hovering at a **3-year low** — and that’s big news for homeowners.

Lower rates mean you could:

* ✅ Reduce your monthly payment
* ✅ Shorten your loan term
* ✅ Switch from an adjustable to a fixed rate
* ✅ Tap into home equity more affordably

If you’ve been waiting for the right moment to refinance, this could be your window. Even a small drop in your interest rate can lead to significant savings over the life of your loan.

Now is the time to review your mortgage, run the numbers, and see what refinancing could do for you. Opportunities like this don’t stay around forever.

Let’s see how much you could save.

12/01/2025

In anticipation of the official loan limit change on January 1, 2026 by the Federal Housing Finance Authority (ahead of the expected announcement around November 2025), loanDepot is increasing standard conforming loan limits to $819,000!

11/26/2025

Wishing you a wonderful Thanksgiving filled with gratitude and time with loved ones.

06/03/2025

Frustrated with the housing inventory? Well it seems it is beginning to change.... Stay in the game if you are trying to buy a home!

I am wondering if this is due to a percentage of home shoppers giving up trying. Regardless- inventory is improving.

05/26/2025

Honoring those who gave their lives for our country.

05/23/2025

Honoring those serving in our nation's military. Thank you for your service.

03/25/2025

Once again- this part of the country is continuing to see price appreciation. Boston market was up 6.6% YoY. Waiting to purchase because you think prices will come down is costing you money.

The FHFA House Price Index data found prices up 4.8% from January 2024 to January 2025. Continue Reading Case-Shiller, FHFA Point to Continued Home Price Increases

02/07/2025

This is quite astonishing... worth the read.

The typical first-time homebuyer is now 38 years old, a record high, according to the National Association of Realtors.