The Lending Ladies

05/22/2026

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05/12/2026

Happy Tuesday! Your weekly rate update is here 👇

Last week gave us a little breathing room. Rates either held steady or moved lower every single day, finishing the week down about 0.14%. A welcome shift after the back and forth, we’ve been seeing.

This week is starting off in the other direction, with rates moving up a bit on Monday. A lot of it ties back to what’s happening overseas. The war in the Middle East is still going, and the longer it continues, the more pressure it puts on oil prices. When oil climbs, the cost to ship and produce goods climbs too, which pushes inflation higher. Mortgage rates are tied to bonds, and bonds do not like inflation. That is the connection.

This week a lot depends on what happens with peace talks, and we will also get fresh inflation data for April that could move things in either direction. We will keep watching and check back in next week.

If you’ve been wondering whether now is the right time for you, let’s talk. DM us and we’ll help you figure out what your options look like. 🤍

05/05/2026

Happy Tuesday! Your weekly rate update is here 👇

Rates moved up yesterday and crossed back above 6.5% for the first time in over a month. The top-tier 30-year fixed landed around 6.56%, which is the highest we’ve seen since late March. A lot of lenders raised rates during the day, and the ones who didn’t were expected to follow if the bond market didn’t bounce back overnight.

So, what’s behind the move? Rates are tied to the bond market, and bonds have been under pressure because of escalation in the Iran war. When there’s conflict like this, oil prices tend to climb and the government has to borrow more to fund things, both of which push rates higher. It’s less about the housing market itself and more about what’s happening globally right now.

The takeaway: rates are still moving, and waiting for a perfect moment is tough when so much depends on what’s happening outside of anyone’s control. The good news is there are always options, and the right strategy depends on your specific situation.

If you’ve been wondering whether now is the right time for you, let’s talk. DM us and we’ll help you figure out what your options look like. 🤍

04/28/2026

Happy Tuesday! Your weekly rate update is here 👇

Heading into this week, rates are exactly where they were at the end of last week. No movement at all, which is actually a good thing given how unpredictable things have felt lately.

The market is still keeping an eye on the Iran conflict but at this point investors are really only reacting to major developments. Either a permanent ceasefire or a significant escalation. Anything in between is basically being tuned out, so day to day noise is having less of an impact on rates right now.

For your buyers who have been waiting for the right moment, the stability we’re seeing is worth a conversation this week.

04/21/2026

Your weekly rate update is here 👇

Yesterday rates were basically flat and sitting at the lowest levels we’ve seen in over a month, a solid way to start the week.

The one thing to watch this week is the Iran ceasefire expiring in the next 48 hours. If tensions cool down, rates could improve. If things escalate, we may see them move up.

Wondering whether now the right time for you to make a move, let’s talk. DM us and we’ll help you figure out what your options look like.

04/20/2026