Thornell Godfrey LO NMLS #65889

09/23/2025

🏡 Mortgage Market Update – September 2025 📉

Great news for buyers and homeowners: mortgage rates are easing!

✅ 30-year fixed rates have dipped to around 6.26%, down from the mid-6.5% range just a few weeks ago.
✅ Refinance applications are climbing as homeowners try to lock in better deals.
✅ Experts say rates may dip further this fall, but don’t expect a huge drop overnight.
✅ Affordability is still a challenge with high home prices and low inventory.

💡 What this means for you:

- Bought in the last couple of years at a higher rate? 📑 Now could be the time to explore a refinance.

- Thinking of buying? 🏠 Don’t wait for the “perfect” rate — even small drops can mean big savings over time.

- Stay tuned to inflation & Fed updates — they’ll drive the next moves in rates.

👉 If you’re considering buying, refinancing, or investing, let’s talk about how today’s shifts could work for your goals.

📲 Message me today to explore your options!

10/30/2024

Mortgage rates are dropping—now is the perfect time for homebuyers and current homeowners to explore their options. If you've been dreaming of owning a home, this could be your golden opportunity! Lower mortgage rates make homeownership more attainable, significantly impacting monthly payments and potentially saving thousands over the life of the loan. For existing homeowners, refinancing at a lower rate can result in substantial financial savings, allowing you to reinvest in your home or other goals. Have you considered the benefits of refinancing? Our expert team is here to guide you. Act swiftly, as these favorable conditions might not last. Schedule a consultation today and start investing in your dreams.

08/12/2024

Mortgage rates are dropping—now is the perfect time for homebuyers and current homeowners to explore their options. If you've been dreaming of owning a home, this could be your golden opportunity! Lower mortgage rates make homeownership more attainable, significantly impacting monthly payments and potentially saving thousands over the life of the loan. For existing homeowners, refinancing at a lower rate can result in substantial financial savings, allowing you to reinvest in your home or other goals. Have you considered the benefits of refinancing? Our expert team is here to guide you. Act swiftly, as these favorable conditions might not last. Schedule a consultation today and start investing in your dreams.

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