Sara Klusmeyer - Mortgage Advisor

09/02/2026

Closing costs caught you off guard? You are not alone.

Many buyers focus on the down payment and forget about the fees that come with it. Swipe to break down exactly what closing costs are, what is included, and how to reduce them.

08/31/2026

💁🏼‍♀️ Market Update for Blondes

☀️ Good morning! We have a BUSY week ahead for mortgage rates.

🏦 The Fed isn't feeling warm and fuzzy about inflation.
Fed Chair Kevin Warsh basically said Friday that inflation is still too high.
Markets are now thinking a September Fed rate hike is more possible.
That's putting upward pressure on rates.
🌎 Iran tensions are back in the spotlight.
Fighting escalated over the weekend around the Strait of Hormuz.
That sent oil prices higher again. ⛽
Higher oil = more inflation concerns = not great for mortgage rates.
📈 Treasury yields are higher this morning.
10-year Treasury is around 4.74%.
So we're starting the week with rates under some pressure.
📅 BIG week for economic data:
🏭 ISM Manufacturing & Services
💼 Job Openings (JOLTS)
👷 ADP Employment
📋 Jobless Claims
⭐ Friday: August Jobs Report — the BIG one

💁🏼‍♀️ Blonde Translation:

We've got three things working against rates right now: 😬

The Fed + Iran + higher oil prices.

But this week's jobs reports could change the story quickly. If we start seeing signs that the job market is cooling, that could give mortgage rates some much-needed help.

🏡 Bottom Line: We're starting the week with some upward pressure on mortgage rates, but there is A LOT of economic data coming. Friday's jobs report will be the big finale and could help set the tone for rates heading into September.

08/31/2026

Thinking about refinancing before the season shifts? Here’s what’s worth considering before you make that move.

Contact me today for more information and tips!

08/28/2026

💁🏼‍♀️ Market Update for Blondes

☀️ Good morning! Inflation is putting a little pressure on rates today.

📊 The latest inflation report (PCE) came out this morning.
Core inflation came in as expected.
Headline inflation was slightly higher than expected. 😑
📈 Bonds didn't love it.
Bonds sold off pretty quickly after the report.
The 10-year Treasury yield moved higher.
Mortgage-backed securities are also down this morning = some upward pressure on mortgage rates.
🤔 Why the reaction if inflation was only a little higher?
Markets were hoping for a better-than-expected inflation report.
We didn't get it, so investors were disappointed.
👀 The 10-year Treasury is important today.
We're watching to see if the yield can move back below roughly 4.62%.
Getting back below that level would be a good sign that the recent improvement in rates is still intact.

💁🏼‍♀️ Blonde Translation:

The market wanted inflation to come in better than expected. Instead, we got “mostly as expected with a tiny side of worse.” 😂

Not terrible news, but definitely not what mortgage rates were hoping for.

🏡 Bottom Line: Rates are under a little pressure this morning, but this is the first real test of the improvement we've seen since late July. If Treasury yields settle back down, the bigger-picture trend toward better rates could still remain intact.

08/27/2026

A fall closing starts with summer prep. If buying is on your radar for later this year, here’s the checklist to start working through now.

Questions about any step? That’s what I’m here for.

08/27/2026

5.0 star review received on Experience.com for Sara Klusmeyer by Carlos D G - Sara was fantastic to work with from start to finish. She was extremely responsive, explained every step of the mortgage process clearly, and always made sure I understood what was needed. She was proactive about keeping me updated and went out of her way to make the experience smooth and stress-free. I would highly recommend Sara and NFM Lending to anyone looking for a knowledgeable and professional loan originator.

Click to see all 101 reviews of Sara Klusmeyer at NFM Lending, Branch Manager | NMLS # 1438949

08/25/2026

💁🏼‍♀️ Market Update for Blondes

☀️ Good morning! We have some positive movement for rates today!

🕊️ Peace talks are showing signs of progress.
That helped ease some of the concerns surrounding the ongoing conflict.
⛽ Oil prices dropped sharply overnight.
Less concern about war disrupting oil supplies = lower oil prices.
📉 Treasury yields dropped right along with oil.
Lower Treasury yields are generally good news for mortgage rates. 🙌
💰 Why does oil matter so much?
Lower oil = less inflation pressure.
Less inflation pressure = better for bonds and mortgage rates.
🌎 Right now, geopolitical headlines and oil prices are having a bigger impact on rates than the normal economic reports.

💁🏼‍♀️ Blonde Translation:

Oil is still driving the mortgage-rate bus. 🚌⛽

Today, we got some encouraging peace headlines → oil prices fell → inflation worries eased → Treasury yields fell.

That's the direction we like! 🙌

🏡 Bottom Line: A positive start for mortgage rates today. As long as oil stays lower and peace talks continue moving in the right direction, that could help keep some downward pressure on rates.

08/24/2026

💁🏼‍♀️ Market Update for Blondes

☀️ Good morning!

📅 No major economic reports today, so there isn't one big piece of news driving the market.
📉 Bonds weakened a little this morning.
Stocks also moved lower at the same time.
With fewer investors trading, even smaller trades can create more movement than usual.
🏦 The Fed is getting some attention again.
Markets are starting to price in a slightly higher chance of additional Fed rate hikes.
More expected Fed hikes = not great for mortgage rates.
🏖️ Summer trading is still pretty light.
Less trading volume can make day-to-day rate movements look bigger than they really are.

💁🏼‍♀️ Blonde Translation:

There isn't really a big economic story today. The market is basically running on vibes. 😂

But those vibes got a little worse this morning as investors increased their bets that the Fed may need to raise rates again.

🏡 Bottom Line: Slight pressure on mortgage rates this morning, but nothing dramatic. With no major data today, we're watching Fed expectations and market sentiment for direction.

08/21/2026

💁🏼‍♀️ Market Update for Blondes

📉 Bonds started slightly better overnight, but have given back those gains and are now a little weaker.
📅 No major economic reports today.
So there isn't much scheduled news expected to move mortgage rates.
🏖️ It's a summer Friday = lighter trading.
Fewer investors are in the market.
That means one larger trade can cause a bigger-than-normal move.
📊 The good news: Rates are still trading within the same recent range.
Nothing we're seeing this morning suggests a major change in the overall rate picture.

💁🏼‍♀️ Blonde Translation:

It's a slow summer Friday. ☀️🍹 With no big economic news, mortgage rates may bounce around a little simply because fewer people are trading.

🏡 Bottom Line: Mortgage rates are slightly under pressure this morning, but nothing alarming. As long as Treasury yields stay within their recent range, we're basically just moving sideways.