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

09/25/2026

Your fall weekend plans just got a little more productive. 😉🍂
Before you settle in for cozy season, give your home a seasonal checkup.
✔️ Save this checklist and start checking off your autumn home maintenance!

09/24/2026

📉 Mortgage Market Update: What an Afternoon

The bond market is having a very difficult day, and unfortunately, mortgage pricing is feeling the pressure.

Here’s what's happening:

🛢️ Oil prices are moving higher, adding to concerns that inflation could remain elevated.

🏦 The U.S. Treasury conducted a $4.078 billion bond buyback today. While buybacks can provide support to the bond market, today's purchase wasn't enough to offset the broader selling pressure.

📈 The 10-Year Treasury has surged into the 5.18%–5.20% range, which is an important technical area we've been watching.

And here's the part that really puts today's move into perspective:

The 10-Year Treasury is now at its highest level since July 2007.

That's a significant move—and it's one of the reasons mortgage pricing has been under so much pressure.

🏡 What does this mean for mortgages?

Mortgage rates don't move directly with the Fed. They're heavily influenced by the bond market, including Treasury yields and mortgage-backed securities.

Today, we're seeing weakness on both sides:

10-Year yield ↑ → MBS prices ↓ → Mortgage pricing under pressure

The UMBS 6.0 is down another 15 ticks, adding to the losses we've already seen today.

👀 What we're watching now

The 5.18%–5.20% area is an important zone.

We're watching to see whether the 10-Year is able to reject these levels and move back lower—or whether it breaks through and continues higher.

After the kind of move we've seen today, we could really use some bond-positive news. 📉

🔒 Market Takeaway

This is a market where we're staying defensive and paying close attention to lock opportunities.

We're not trying to predict exactly where rates go next. We're watching the data, Treasury yields and mortgage bonds and helping our borrowers make informed decisions based on their individual timelines.

Because sometimes the most important part of the market isn't where rates are today—it's understanding why they got there.

If you're wondering what today's market means for your mortgage, we're always happy to break it down in normal-human language. 🏡

Send a message to learn more

09/24/2026

How can you make the most out of your home equity?
From tackling home improvements to consolidating higher-interest debt, there are several ways homeowners may be able to tap into their equity. As home equity reaches record highs, read here to explore your opportunities: http://spr.ly/6182BGiPW2

09/23/2026

📉 Mortgage Market Update: No Deal, Strong Data & Rising Yields

It’s been another difficult morning for the bond and mortgage markets.

Yesterday, the market was holding out hope that President Trump might announce progress toward a deal with Iran. Instead, his comments signaled that negotiations remain uncertain and that additional military action is still possible.

That matters to the mortgage market because uncertainty around global energy supplies can push oil prices higher, which can add to inflation concerns.

Then this morning, we got another piece of data the bond market really didn't want to see:

📊 S&P Global Composite PMI jumped from 56.0 to 58.4 — its strongest reading in more than five years.

The report showed:
• Stronger business activity
• The fastest employment growth in more than four years
• Increasing price pressures
• Higher energy costs and supply-chain pressures

In other words, we're seeing strong growth + strong hiring + continued inflation pressure.

And that's putting additional pressure on bonds.

📈 What does that mean for mortgage rates?

The 10-Year Treasury has moved back above 5.00%, while mortgage bonds have also weakened.

The UMBS 6.0 is currently down about 16 ticks, or 0.50 points in price, which is putting pressure on rate sheets.

The market is also pricing in a much higher probability of another Fed rate hike in October than it was just a month ago.

One important reminder:

The Fed does not directly set mortgage rates.

Mortgage rates are heavily influenced by the bond market, inflation expectations, economic data, Treasury yields and mortgage-backed securities.

👀 What I'm Watching

The 10-Year Treasury is still trading within the rising-yield channel we've been watching since late August.

Right now, the key levels are:

🔴 5.064%: Breakout level to watch
🟡 5.005%: Important nearby level
🟢 A move back below these levels would provide some relief and potentially signal that yields are rejecting the upper end of the current channel.

🔒 Lock Bias: Strong Lock

At these levels, the potential reward for floating is not outweighing the risk for many shorter-term transactions.

This is a market where protecting today's pricing can be more important than trying to perfectly time tomorrow's improvement.

We're continuing to watch the economic data, oil prices, Treasury yields and mortgage bonds closely.

Because the mortgage market doesn't move in a straight line—and neither does the economy. 🏡📊

If you're wondering what today's market means for your specific situation, Spencer and I are always happy to walk through the numbers with you.

Send a message to learn more

09/22/2026

Mortgage rates, oil prices and the Strait of Hormuz… what do they have to do with each other? 🤔

Quite a bit, actually!

Oil prices briefly dropped below $98/barrel this morning after reports that Iran could potentially reopen the Strait of Hormuz within seven days under certain conditions.

Then oil started climbing back toward $100 as the market basically said…

“Okay, but is this actually happening?”

And that's an important distinction.

When oil prices fall, it can take some pressure off inflation. That can help Treasury yields move lower, which can ultimately help mortgage pricing.

When oil jumps back up? Those yields can move right back in the other direction.

So right now, the bond market is VERY headline-sensitive.

There are some encouraging developments today, including possible U.S.–Iran discussions and Saudi Arabia increasing the use of alternative oil routes.

But nothing is finalized yet.

Meanwhile, the Federal Reserve is still a big piece of the puzzle, with markets currently pricing in about a 53% chance of another Fed rate hike in October.

📊 The 10-year Treasury is currently around the 4.97% area, which is a level we're watching very closely.

For mortgage borrowers, the takeaway is pretty simple:

Today's market has opportunity, but it also has risk.

We're watching for signs that oil continues to fall and bonds strengthen. But if the 10-year pushes above 4.990%, the conversation changes quickly.

This is why when someone asks me, “What are mortgage rates doing today?” the honest answer is sometimes:

“Well… give me a minute.”

There are A LOT of moving pieces behind that number.

If you're thinking about buying, refinancing, or just trying to figure out whether now is a good time to make a move, I'm always happy to help you understand what's actually happening behind the headlines.🏡

Send a message to learn more

09/22/2026

Ready to turn over a new leaf? 🍁
A new season is the perfect time for fresh goals, new beginnings, and maybe even a new address. 🏡
Happy first day of fall!

09/21/2026

Don’t wait until the fourth quarter to figure out your financing. ⏰
Getting preapproved early can help you understand your budget so you’re prepared to make a move when the right home comes into play.
Let’s tackle your homeownership goals!

09/21/2026

September can be a clean starting point, even if buying still feels months away.

Gather current income and asset documents
Review credit and confirm any freezes
Document transfers and unusual deposits
Avoid new debt without discussing the impact
Estimate cash to close and cash to keep
Set a comfortable monthly payment range
The goal is not to make every number perfect overnight. It is to get the documents organized, stop avoidable money surprises, and understand what the next useful move actually is.

Comment “READY” for the document and money-moves list.

09/20/2026

I can absolutely stop saying it.

Right after we know the budget, loan type, estimated cash to close, and whether the dream-house price is living in the same universe as the monthly payment. 😂

So… get pre-approved first.

09/19/2026

A mortgage statement can change without the interest rate changing, and that is exactly why homeowners should know what each number represents.

Five numbers to find on the mortgage statement:

Total amount due
Principal applied
Interest charged
Escrow collected or paid
Remaining principal balance
Save this for the next time your statement arrives.