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Mortgage With Jamal

Clear mortgage guidance for Inland Empire buyers and homeowners. Working loan files since 2007. Start with your Ownership Roadmap.

Jamal Akber NMLS #381770 | ML Mortgage Corp NMLS #362312 | Equal Housing Lender Your compadre in the lending business.

10/31/2026

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲𝘀 𝗘𝗻𝗱 𝗪𝗲𝗲𝗸 𝗮𝘁 𝗟𝗼𝘄𝘀
The rate market continues taking cues from turmoil in the tech sector. That resulted in the lowest rates in more than a month today as tech stocks slide to their lowest levels since July. The biggest shift for the underlying bond market (bonds dictate rates) came just before 1pm on reports that Anthropic's post IPO credit rating was not likely to be "investment grade." That matters because it means Anthropic would face higher borrowing costs. Given the company's key role in driving the AI buildout, there are two implications that helped bonds/rates today. First, higher borrowing costs mean lower potential debt issuance, and that issuance has been a key factor in pushing interest rates higher in 2026. Second, any headwinds for major AI companies suggest potential economic headwinds given the central role AI plays in the current economic growth cycle. In general, lower/slower economic growth is good for rates/bonds, all else equal. The average mortgage lender added modestly to yesterday's larger improvement, resulting in a top-tier 30yr fixed rate just under 7.30%. This is the lowest level since September 23rd, 2026.
https://www.mortgagenewsdaily.com/markets/mortgage-rates-10302026
Mortgage News Daily Message to learn your personalized rate.

10/30/2026

𝗥𝗮𝘁𝗲𝘀 𝗗𝗶𝗽 𝘁𝗼 𝗡𝗲𝘄 𝗠𝘂𝗹𝘁𝗶-𝗪𝗲𝗲𝗸 𝗟𝗼𝘄𝘀
After 4 rather uneventful trading days, the bond market (which underlies interest rate movement) experienced a bit more volatility today. Fortunately, it was volatility in a friendly direction. 10yr Treasury yields ended the day at their lowest level since September 22nd. Mortgage rates dropped to their lowest mark since September 23rd for the average lender. [thirtyyearmortgagerates] Bond gains coincided with moments of weakness in the stock market, primarily at the 9:30am NYSE open and the 4pm close. Weaker guidance from the likes of Intel and Amazon reinforced the recently cautious narrative surrounding tech and the AI buildout, sending tech stocks sharply lower at 4pm. NOTE: today's mortgage rate index has not yet been updated for any additional lender reprices that may hit in the coming hours.
https://www.mortgagenewsdaily.com/markets/mortgage-rates-10292026
Mortgage News Daily Message to learn your personalized rate.

10/29/2026

Your listing ad got scrolled past in half a second.

The headline does 90% of the work. Most agents write it last.

AI generates headline options built to stop the scroll, tuned to the property's best feature. Five options in 30 seconds:

"4 beds. Pool. $749K. Rancho Cucamonga."
"Your kids will fight over the game room."
"Priced $20K under the last comp. It won't last."
"Open Saturday: the backyard you've been scrolling for."
"3-car garage, RV parking, zero HOA."

You pick the winner. The scroll stops.

Better hook. Cheaper clicks. More showings.

What's your current cost per lead on listing ads?

Jamal Akber NMLS #381770 | ML Mortgage Corp NMLS #362312 | Equal Housing Lender

10/29/2026

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲𝘀 𝗠𝗼𝘃𝗲 𝗠𝗼𝗱𝗲𝘀𝘁𝗹𝘆 𝗛𝗶𝗴𝗵𝗲𝗿
Today's Fed announcement had no impact on mortgage rate movement, and minimal impact on intraday bond market volatility. Well before the Fed announcement, the bond market was already slightly weaker compared to yesterday's latest levels. As a result the average mortgage lender set rates just a hair higher. Despite the increase, 30yr fixed rates are only 0.05% above the low of 7.30% seen last week and only 0.02% above yesterday's mark of 7.33%. Recent upward pressure is a factor of improvement in investor sentiment surrounding the tech sector.
https://www.mortgagenewsdaily.com/markets/mortgage-rates-10282026
Mortgage News Daily Message to learn your personalized rate.

10/28/2026

Your past clients are your cheapest leads. You're ignoring them.

A past client is 5x more likely to refer than a cold lead is to convert.

AI writes the nurture emails — home anniversary notes, market check-ins, value updates. You stay the agent they remember.

Here's the anniversary email, sent automatically:

"Hi Priya, two years in your Chino Hills home today. It's up about $48K since you bought. Thinking about what's next — or just want the number for your records?"

One email. You're their agent for life.

Referrals on autopilot.

How many past clients did you contact last month?

Jamal Akber NMLS #381770 | ML Mortgage Corp NMLS #362312 | Equal Housing Lender

10/28/2026

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲𝘀 𝗛𝗼𝗹𝗱 𝗦𝘁𝗲𝗮𝗱𝘆 𝗬𝗲𝘁 𝗔𝗴𝗮𝗶𝗻
It was a remarkably calm day for the mortgage market on two separate levels. First off, the average lender set this morning's rates right in line with yesterday's latest levels. Additionally, there were very few intraday changes (and in those cases, rates improved modestly). [thirtyyearmortgagerates] All of the above is made possible by the fact that the bond market stayed right in line with yesterday's levels all day long. This has happened for two straight days now, and it's the sort of stability that seemed like a distant memory several weeks ago. Will it last? There's never any way to know for sure. The bond/rate market is constantly at risk of responding to several sources of motivation. It just so happens that those sources have been silent after last week's improvement. It's worth noting that there's a new Fed rate announcement tomorrow. Fed announcements often create volatility for rates and that volatility is rarely related to whether the Fed hikes/cuts/holds steady. In tomorrow's case, we already have a high degree of certainty that the Fed will not be hiking rates. Any impact the Fed has on mortgage rates would be a factor of the words they use in the policy statement or the words spoken by Fed Chair Warsh in the 2:30pm ET press conference. Beyond the Fed, there are still other potential considerations for rates (tech sector volatility, war-related headlines), but never any guarantee that they'll adhere to a certain timeline.
https://www.mortgagenewsdaily.com/markets/mortgage-rates-10272026
Mortgage News Daily Message to learn your personalized rate.

10/27/2026

Your sellers think you're doing nothing.

No news feels like no work — even when you're working.

AI turns showing feedback into a clean weekly seller report in minutes.

Here's the Friday report your seller gets:

"4 showings this week. Buyers love the kitchen; two said the backyard feels small at this price. Recommendation: $10K adjustment or stage the patio. Two more showings booked Saturday."

Your sellers see the effort. Informed sellers stay loyal sellers.

How do you currently report showing feedback to your sellers?

Jamal Akber NMLS #381770 | ML Mortgage Corp NMLS #362312 | Equal Housing Lender

10/27/2026

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲𝘀 𝗛𝗼𝗹𝗱 𝗦𝘁𝗲𝗮𝗱𝘆 𝗢𝘃𝗲𝗿 𝗧𝗵𝗲 𝗪𝗲𝗲𝗸𝗲𝗻𝗱
It was an uneventful day for mortgage rates, which is just the sort of thing you want to see when the average lender is just a hair above the lowest levels in more than a month. There were no significant economic reports or other market developments that caused any major volatility for rates/bonds. The dominant theme, of late, has been investor rotation out of AI-related assets and into the bond market. Excess demand for bonds is good for rates, all else equal. But there's a nuance. Corporate bonds related to certain tech companies have seen sharply lower demand. That's actually been good for mortgage rates and Treasuries because the tech-related corporate bonds had been drawing demand away from the safer mortgage/Treasury debt. Today's ground-holding is all the more encouraging considering there was some healing in the tech sector, both in terms of stock prices and corporate bond demand. Simply put, mortgage rates held steady despite slight headwinds elsewhere in the market.
https://www.mortgagenewsdaily.com/markets/mortgage-rates-10262026
Mortgage News Daily Message to learn your personalized rate.

10/24/2026

𝗠𝗼𝗱𝗲𝘀𝘁 𝗨𝗽𝘁𝗶𝗰𝗸 𝗶𝗻 𝗥𝗮𝘁𝗲𝘀 𝗕𝘂𝘁 𝗦𝘁𝗶𝗹𝗹 𝗡𝗲𝗮𝗿 𝟭-𝗠𝗼𝗻𝘁𝗵 𝗟𝗼𝘄𝘀
Yesterday was an exciting day for rates with the lowest levels since September 23rd and a fairly brisk decline versus the previous day. Today? Fairly boring by comparison. Rates were technically a hair higher, which isn't too surprising given the prevailing motivations in the tech sector. Yesterday's rate rally coincided with heavy selling in tech stocks. With those same stocks avoiding drama today (and the NASDAQ moving slightly higher overall), bond yields (aka "rates") also inched higher. The average mortgage lender moved up 0.03% for a top-tier 30yr fixed scenario leaving our index at 7.33%. This matches October 15th's levels in a tie for the 2nd lowest since September 23rd. [thirtyyearmortgagerates]
https://www.mortgagenewsdaily.com/markets/mortgage-rates-10232026
Mortgage News Daily Message to learn your personalized rate.

10/23/2026

𝗔𝗻𝗼𝘁𝗵𝗲𝗿 𝗡𝗶𝗰𝗲 𝗗𝗿𝗼𝗽 𝗙𝗼𝗿 𝗥𝗮𝘁𝗲𝘀, 𝗡𝗼𝘄 𝗡𝗲𝗮𝗿 𝟭-𝗠𝗼𝗻𝘁𝗵 𝗟𝗼𝘄𝘀
Interest rates continue taking cues from the market rethinking the pace of AI-related growth/spending. Last week's focus was on Coreweave and a few other companies who saw their cost of financing rapidly increase--a sign that investors were starting to worry about future return of capital. One remedy for such worries is to shift money into the safest parts of the bond market such as US Treasuries and mortgage-backed bonds. As demand for those bonds increases, rates fall. Today was a sharper, broader continuation of the same theme. Disappointing earnings calls and guidance for several big names resulted in heavy selling of tech stocks in addition to ongoing spikes in financing costs for Coreweave and other higher-risk names. In the simplest terms: tech is tanking and bonds are picking up the slack. The average top-tier 30yr fixed rate fell 0.10 today to 7.30%. This is the lowest since September 23rd when it was 7.26%.
https://www.mortgagenewsdaily.com/markets/mortgage-rates-10222026
Mortgage News Daily Message to learn your personalized rate.

Address

8270 Aspen Street
Rancho Cucamonga, CA
91730

Opening Hours

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

Website

https://mortgageswithjamal.com/

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