Sara Klusmeyer - Mortgage Advisor

10/16/2026

💁🏼‍♀️ Market Update for Blondes

☀️ Happy Friday! Rates are taking a little breather after two good days! 🙌

📉 Bonds had a strong rally! Investors moved money out of riskier tech stocks and into safer bonds, helping mortgage rates improve.

📈 A little reversal today. Tech stocks are stabilizing, Treasury yields are creeping higher, and mortgage bonds are slightly weaker. Not great for today's pricing, but nothing dramatic!

🏦 The Fed is expected to HOLD! Markets see about an 85% chance of no rate change at the October meeting.

📊 What's next? We'll need softer economic data or another boost in bond buying to see rates improve further.

💁🏼‍♀️ Blonde Translation:
Rates had two really good days, and now they're saying, “I need a little break!” 😂☕

🏡 Bottom Line: We've given back a little of the recent improvement, but most of the rally is still holding! Rates are slightly worse this morning, but the overall momentum has been encouraging.

10/15/2026

You can renovate a kitchen. You cannot renovate a location. Before you fall in love with the house, ask the hard questions about the neighborhood first.

Swipe for what to research before you make an offer.

10/14/2026

💁🏼‍♀️ Market Update for Blondes

☀️ Happy Wednesday! Inflation is raining on our rate parade! ☔

📊 Inflation came in hotter than expected! Not what we wanted to see after some recent improvements in rates.
📈 Treasury yields moved higher, and mortgage bonds weakened — meaning mortgage pricing got worse.
🏦 The Fed may stay aggressive. Markets are once again expecting more rate hikes to fight inflation.
🏡 The good news? This doesn't necessarily mean rates are headed to new highs, but we may have hit a temporary bottom for now.

💁🏼‍♀️ Blonde Translation:

Rates were finally behaving themselves… and then inflation showed up and ruined the party! 😂

🏡 Bottom Line: Rates are under pressure again. We’ll need to see inflation cooling before we can expect another meaningful improvement. For now, expect some bumps! 🎢

10/13/2026

What to Look for During a Home Walkthrough:
Most buyers fall in love with the finishes and miss everything else. Before you make an offer, know what to actually look for during a home walkthrough.

Swipe for the checklist that could save you thousands, and contact me today with questions.

10/12/2026

5.0 star review received on Experience.com for Sara Klusmeyer by Christopher N - Very helpful
understanding
and knowledgeable

Click to see all 105 reviews of Sara Klusmeyer at NFM Lending, Branch Manager | NMLS # 1438949

10/09/2026

Mortgage myths are keeping many buyers on the sidelines.

From needing 20% down to waiting for the perfect rate, we are debunking the scary things buyers believe that are simply not true. Swipe before the myths decide for you.

10/09/2026

💁🏼‍♀️ Market Update for Blondes

☀️ Happy Friday! Another roller coaster for rates! 🎢

⛽ Oil is climbing again! Prices jumped over 4% to $104/barrel as Middle East tensions continue. Higher oil = more inflation concerns = not great for mortgage rates.
📉 Treasury yields reversed course! The 10-year hit 5.35% before dropping back to 5.23% — a nice recovery!
🏡 Mortgage bonds improved! Good news for mortgage pricing after all the volatility.
🏦 The Fed may slow down. Officials are signaling that future rate hikes could happen at a slower pace.
📊 Today: Consumer sentiment and Fed comments could move the market.

💁🏼‍♀️ Blonde Translation:

Oil tried to ruin the party again, but bonds managed to fight back! 😂🙌

🏡 Bottom Line: Mortgage bonds finished stronger, which is encouraging for rates! But with oil prices elevated and inflation still a concern, expect more ups and downs.

10/07/2026

A cheaper house doesn't always mean a cheaper payment, and that surprises a lot of buyers.

The price tag is just the starting point. Swipe to see what actually drives your monthly payment, and contact me with questions.

10/07/2026

💁🏼‍♀️ Market Update for Blondes

☀️ Good morning! A little relief for rates yesterday! 🙌

📉 Treasury yields came down and mortgage bonds improved — good news for rates.
📈 Stocks rallied, with the S&P 500 hitting a new record high.
⛽ Oil is the problem again. It’s back above $100/barrel as Middle East tensions continue. Higher oil = more inflation concerns = not great for mortgage rates.
🏦 Today: Fed meeting minutes + inflation expectations could create more movement.

💁🏼‍♀️ Blonde Translation:

Bonds finally had a good day… and then oil said “not so fast.” 😂⛽

🏡 Bottom Line: We saw some improvement, but rates are still volatile. Oil, inflation, and the Fed continue to run the show.

10/05/2026

How much cash do I actually need to buy a home? Most buyers do not ask this question until it’s too late.

The down payment is just the beginning. Swipe to see the full picture before you start shopping, and let's connect!