Amanda Neisent, Loan Officer with CMG Home Loans, NMLS ID# 2473369

11/07/2026

Finding a grant is not the same as qualifying for it. Ask these 4 questions before you count that money.

If you’re a first time home buyer in Rapid City, you’ve probably seen “up to” next to a big number and taken it straight off your savings goal.

Programs available in Rapid City tend to have strict limits: your income, credit score, location, lender choice, loan type, or even whether the fund is empty for the month.

So if you’re looking at SD Housing First-Time Homebuyer Program or any down payment assistance in South Dakota, I’ll compare the full loan with you, not just the headline amount.

Save this before you apply for assistance.

— I’m Amanda Neisent, a mortgage loan officer in Rapid City, South Dakota. NMLS # 2473369

P.S. Most of my clients start by sending me a message right here on Instagram, so don’t be shy!

11/06/2026

🏡 Mortgage Market Update | November 6, 2026

📊 October Jobs Report Blows Past Expectations — But Mortgage Bonds Hold Their Ground!

Today's jobs report came in significantly stronger than economists anticipated, creating an interesting reaction in the mortgage market.

Here's what happened:

📈 165,000 jobs added in October, compared to the 65,000 expected.

📈 84,000 additional jobs were added through revisions to August and September's reports.

📉 Unemployment dropped to 4.1%.

Normally, a jobs report this strong would put significant upward pressure on mortgage rates. Surprisingly, the bond market has remained relatively steady!

So, what does this mean for mortgage rates? 🏠

A stronger job market can make the Federal Reserve more cautious about lowering interest rates, or potentially increase pressure to raise them.

However, mortgage rates don't move based on employment numbers alone. Inflation, Treasury yields, mortgage-backed securities, and overall investor confidence all play important roles.

Despite today's strong employment numbers, mortgage-backed securities have held up better than many would have expected.

🔎 What's Next?

Next week brings two important inflation reports:

📅 Tuesday — Consumer Price Index (CPI)

📅 Friday — Producer Price Index (PPI)

Both reports could influence the direction of mortgage rates heading into the remainder of November.

For buyers closing soon, locking in a rate that works for your budget may be the safer approach.

For buyers with more time before closing, there may be opportunities to monitor the market, but waiting always comes with some risk.

💙 The Bottom Line:

A strong jobs report doesn't automatically mean mortgage rates will jump. Today's market reaction is a great reminder that several economic factors influence mortgage pricing.

Whether you're purchasing your first home, considering refinancing, or just curious about the market, Spencer and I are always happy to help you understand your options!

📲 Reach out anytime. We're here to help you make informed decisions.

Market conditions and mortgage rates are subject to change. Individual loan pricing varies.

Send a message to learn more

11/06/2026

A huge thanks to all the past clients and referral partners who sent someone my way this year.

A 5 star review is nice. A text that says “my sister is buying, can I give her your number?” is the one that stays with me.

It means you trusted me with your own move, then trusted me with someone you care about. That’s how a lot of my clients in Rapid City found me, and I don’t take it lightly.

To all the agents, planners, and past clients across South Dakota who recommend me: I make sure every person you send gets the same level of care you did.

And if someone sent you to my page and you're a first time home buyer in Rapid City, welcome.

Tag the person who sent you my way.

— If we haven’t met yet, I’m Amanda Neisent, your go to mortgage loan officer in Rapid City, South Dakota, NMLS # 2473369

11/05/2026

🏡📊 Mortgage Market Update | Stocks Fall, Bonds Improve & All Eyes on Tomorrow's Jobs Report!

It's been an eventful day in the financial markets, and we're seeing some encouraging movement in bonds that could benefit mortgage pricing! 🙌

But there's an important economic report coming tomorrow that could change things quickly.

Here's what's happening! 👇

📉 1. Stock Market Volatility Is Helping Bonds

Technology and AI-related stocks are experiencing significant selling pressure as investors weigh concerns about future regulations, data-center development, and financing.

When investors become nervous about stocks, they sometimes move money into safer investments, such as U.S. Treasury bonds.

That increased demand can push Treasury yields lower, potentially helping mortgage rates.

The good news? Treasury yields have moved lower today, and mortgage-backed securities are showing some improvement as well!

However, not all of that improvement has translated directly into lender rate sheets.

🏦 2. Tomorrow's Jobs Report Could Be a Big Market Mover!

Economists are expecting approximately 65,000 jobs added in October.

Why is this important for mortgage rates?

The employment report gives investors insight into the strength of the economy and can influence expectations about future Federal Reserve decisions.

Here's what different outcomes could mean:

🟢 Weaker-than-expected job growth: Could help bond prices improve and potentially ease mortgage pricing.

🟡 Jobs near expectations: May result in a more moderate market reaction.

🔴 Stronger-than-expected job growth: Could push Treasury yields higher and put pressure on mortgage rates.

Of course, the unemployment rate, wage growth, and revisions to previous reports matter too!

🔒 3. Current Market Outlook: Cautious & Closely Monitored

Today's bond market improvement is encouraging, but tomorrow's employment report brings uncertainty.

For buyers closing soon, protecting available mortgage pricing may be worth considering.

For buyers with more time before closing, there may be opportunities for additional improvement, but the market needs to be watched closely.

🏡 What Does This Mean for Homebuyers?

Mortgage rates don't always move in the same direction—or by the same amount—as Treasury yields.

That's why having someone monitoring mortgage-backed securities and lender pricing matters!

And remember, there are other ways to improve affordability besides waiting for rates to fall:

✅ Seller concessions toward closing costs

✅ Temporary interest rate buydowns

✅ Down payment assistance programs

✅ Financing options tailored to your financial goals

💡 The Bottom Line:

A good day in the bond market doesn't guarantee a better mortgage rate tomorrow.

The goal is to find a financing strategy and monthly payment you're comfortable with while protecting your options as the market changes.

Whether you're buying, refinancing, or a Realtor helping clients navigate today's market, I'm always happy to help!

📲 Amanda Neisent | CMG Home Loans 🏡

Mortgage rates and pricing are subject to change. Financing options are subject to borrower qualifications, program guidelines, and approval.

Send a message to learn more

11/05/2026

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11/05/2026

Let's dive into it.

I’m probably not the “traditional” mortgage loan officer in Rapid City. And I’m very okay with that.

Just because you get pre-approved doesn't mean I'll ever pressure you to close on something.

If renting another 6 months makes more sense for your life, your money or your goals, I’ll tell you.

If another loan option is better for you, even if it means I don’t get the deal, I’ll tell you that too.

I’m not trying to close the most loans possible every month. I’d rather help fewer people and actually have time to learn your story.

So no, I don’t do everything the traditional way. But I’ll always be honest with you, explain the why behind the numbers, and help you make the call that makes sense for you.

If you’re a first-time home buyer and buying in South Dakota is on your radar, next month or next year, comment HOME and I’ll message you so we can start with a plan.

— Amanda Neisent, your go to mortgage loan officer in Rapid City, South Dakota, NMLS # 2473369

11/04/2026

🏡📊 Mortgage Market Update | Some Encouraging News for Mortgage Rates! 🙌

We're seeing some positive movement in the bond market today, and that's welcome news for homebuyers and homeowners!

While there's still uncertainty ahead, several developments are helping support mortgage pricing.

Here's what's happening! 👇

📉 Economic Reports Are Giving Bonds a Boost!

Today's economic data showed signs of slightly slower growth, which can actually be GOOD news for mortgage rates.

✅ The ISM Services Index eased from 54.9 to 54.5, signaling that the economy is still growing, just at a slightly slower pace.

✅ New business activity and orders softened.

✅ Price pressures eased modestly, offering some encouragement on the inflation front.

Why does this matter?

When economic growth and inflation pressures begin to cool, bond investors tend to respond positively. Stronger bond prices can help improve mortgage pricing!

🏛️ Election Results Are Also Influencing the Market

Following the election, investors are adjusting their expectations for future government spending, borrowing, and economic policies.

Some investors believe potential changes could help ease pressure on Treasury yields.

Regardless of political preferences, we're all hoping for an economy that creates opportunities for American families!

📈 What Are Mortgage Rates Doing?

Mortgage-backed securities (MBS), which directly influence mortgage pricing, are showing improvement today!

That's encouraging because mortgage bonds had previously been lagging behind the Treasury market.

However, one positive day doesn't necessarily mean rates are entering a long-term downward trend.

🔒 Current Market Outlook: Cautious Optimism

We're seeing improvement, but we're keeping a close eye on the market with Friday's employment report approaching.

For buyers closing soon, protecting today's available pricing may be worth considering.

For those with more time before closing, there may be opportunities for additional improvement, but close monitoring remains important.

🏡 What Does This Mean for Homebuyers?

Even small improvements in mortgage pricing can make a difference!

And remember, there are additional strategies we can explore to help make homeownership more affordable:

✅ Seller concessions toward closing costs

✅ Temporary interest rate buydowns

✅ Down payment assistance programs

✅ Financing options tailored to your financial goals

💡 The Bottom Line:

Today's market movement is encouraging, but the goal isn't to perfectly time interest rates.

It's about finding the right home, the right financing strategy, and a monthly payment you're comfortable with.

Whether you're buying, refinancing, or a Realtor helping clients navigate today's market, I'd love to help explore your options!

📲 Amanda Neisent | CMG Home Loans 🏡

Mortgage rates and pricing are subject to change. Loan programs and financing options are subject to borrower eligibility, qualifications, and approval.

Send a message to learn more

11/04/2026

Comment RENO and I’ll tell you if a renovation loan could work for the home you’ve been eyeing.

A lot of buyers in Rapid City skip right past the fixer-upper with the 30 year old kitchen and the 90’s carpet. They figure they’d need cash for the repairs on top of the down payment.

Using a renovation loan means combining the purchase and the repair costs into 1 mortgage, with 1 closing and 1 monthly payment. The FHA 203(k) is the most popular, though there are other programs depending on the property and your scenario.

Here’s the catch. The home has to be worth enough once the work is done. I look at 2 numbers first: what the repairs will cost and what the home should be worth after. I’d want to see both before you write the offer, not after.

If you’re a first time home buyer in Rapid City who keeps losing out on move-in ready homes, a renovation loan in South Dakota could turn the house you skipped into your way in.

— I’m Amanda Neisent, a mortgage loan officer in Rapid City, South Dakota. NMLS # 2473369

P.S. Most of my clients start by sending me a message right here on Instagram, so don’t be shy!

11/03/2026

Since the clocks went back, you have a little extra time this week. Use 20 minutes of it to prep for the house you're buying next year.

Most renters I talk to in Rapid City think buying starts with the house hunt. It really starts months before, with your credit, your bills and what you set aside.

Each step here is small. Together they’re what a lender sees when you apply: a clean credit report, steady savings and bills you clearly keep up with.

Do this once a month and you’ll walk into your first lender conversation already knowing your numbers. If you’re a first time home buyer in Rapid City, or buying a home in South Dakota next year, that’s the best place to start.

Bookmark this post to check back on the first Sunday of the month.

— If we haven’t met yet, I’m Amanda Neisent, your go to mortgage loan officer in Rapid City, South Dakota, NMLS # 2473369

11/02/2026

Behind every brave service member is a family whose strength, sacrifice, and unwavering support deserve recognition.
This Military Family Month, we're celebrating the families who navigate every deployment, relocation, and homecoming with courage and resilience. 🇺🇸