US Financial Mortgage

09/04/2026

🏡 Friday Reno Mortgage Update

Big market news this morning: the U.S. added 162,000 jobs in August, nearly triple what economists expected.

That’s great news for employment—but stronger economic data can put upward pressure on mortgage rates because it gives the Federal Reserve more room to keep interest rates elevated.

Treasury yields moved higher immediately after the report.

If you're buying a home in Reno, Sparks or Northern Nevada, this is a good time to update your financing before writing an offer.

And remember: seller credits and rate buydowns can sometimes make a meaningful difference in your monthly payment.

Mark Lamerdin | U.S. Financial LLC

09/03/2026

🏡 Thursday Reno Mortgage Update

Mortgage rates are close to 7%, but the bond market is showing some improvement this morning.

Tomorrow’s jobs report is the big event. A weaker employment number could help mortgage rates, while a stronger report could push them higher again.

If you're buying in Reno, Sparks or Northern Nevada, don’t focus only on the headline rate. Seller credits, rate buydowns and the right loan structure can sometimes make a meaningful difference in monthly payment.

If you’re actively shopping, this is a good time to update your financing before tomorrow’s market-moving report.

Mark Lamerdin | U.S. Financial LLC

09/02/2026

🏡 Reno Home Loans — Wednesday Mortgage Update

Mortgage rates remain in the upper-6% range, but we got a potentially encouraging sign this morning: private-sector hiring came in weaker than expected.

Why does that matter?

A cooling labor market can eventually help bring Treasury yields—and potentially mortgage rates—lower. We're not there yet, but it's something I'm watching closely.

If you're thinking about buying in Reno, Sparks or Northern Nevada, don't focus only on the headline mortgage rate. Seller credits, rate buydowns and choosing the right loan structure can sometimes make a meaningful difference in your monthly payment.

Friday's employment report could be an important one for mortgage rates.

If you'd like to know what today's numbers look like for your situation, I'm happy to run them.

Mark Lamerdin | U.S. Financial LLC
Mortgage Broker | Reno, Nevada

09/01/2026

🏡 Tuesday Reno Mortgage Update

Mortgage rates have moved higher again and are currently around the upper-6% range.

The bond market is under pressure today from rising oil prices and inflation concerns.

If you're buying in Reno, Sparks or Northern Nevada, don't focus only on the headline mortgage rate. Seller credits, rate buydowns and the right financing structure can sometimes make a meaningful difference in monthly payment.

If you're actively shopping, now is a good time to update your numbers before making an offer.

Mark Lamerdin | U.S. Financial LLC

08/31/2026

🏡 Monday Reno Mortgage Update

Mortgage rates are starting the week around the upper-6% range after moving higher Friday.

This could be an important week because several labor-market reports are coming that may move mortgage rates in either direction.

If you're buying in Reno, Sparks or Northern Nevada, don't focus only on the headline rate. Seller credits, rate buydowns and the right loan structure can sometimes have a meaningful impact on your monthly payment.

If you've been sitting on the sidelines, this is a good week to update your numbers.

Mark Lamerdin | U.S. Financial LLC
Mortgage Broker | Reno, Nevada

08/29/2026

🏡 Reno Mortgage Update — Saturday

Mortgage rates moved higher Friday, with the average 30-year fixed climbing to around 6.81% after a rough day for the bond market.

That doesn’t mean buyers should stop looking.

If you’re considering buying in Reno, Sparks or Northern Nevada, the financing strategy matters just as much as the headline rate. Seller credits, rate buydowns and the right loan program can sometimes make a meaningful difference in monthly payment.

If you stepped back because of rates, it may be worth updating your numbers before assuming a home is out of reach.

Mark Lamerdin | U.S. Financial LLC
Mortgage Broker | Reno, Nevada

08/28/2026

🏡 Reno Home Loans — Friday Mortgage Update

Mortgage rates remain around the mid-6% range, but the Fed made it clear this morning that inflation is still a concern.

That means we could continue to see some volatility in mortgage rates.

If you've been thinking about buying a home in Reno, Sparks or Northern Nevada, don't wait for a “perfect” rate before updating your numbers.

Seller credits, rate buydowns and the right loan structure can sometimes make a meaningful difference in your monthly payment.

If you want to see what today’s financing looks like, I’m happy to run the numbers.

Mark Lamerdin | U.S. Financial LLC
Mortgage Broker | Reno, Nevada

08/27/2026

🏡 Reno Home Loans — Thursday Mortgage Update

Mortgage rates remain around the mid-to-upper 6% range today.

The market has been relatively stable, but we could see more movement tomorrow when the Federal Reserve Chairman speaks at Jackson Hole.

If you're considering buying a home in Reno, Sparks or Northern Nevada, don't focus only on the advertised mortgage rate.

Seller credits, rate buydowns and choosing the right loan structure can sometimes make a significant difference in your monthly payment.

If you've been waiting for rates to drop before getting back into the market, this is a good time to update your numbers and see where you stand.

Mark Lamerdin | U.S. Financial LLC
Mortgage Broker | Reno, Nevada

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08/26/2026

🏡 Reno Home Loans — Wednesday Mortgage Update

Good news for buyers: mortgage rates improved yesterday, with the average 30-year fixed moving down to around 6.74%.

Inflation is still running hotter than the Fed would like, so I don’t expect mortgage rates to move straight down from here. But yesterday’s improvement is a good reminder that things can change quickly.

If you’ve been considering buying a home in Reno, Sparks or Northern Nevada, now is a good time to update your payment and purchasing power.

Seller credits, rate buydowns and the right loan structure can sometimes make a much bigger difference than buyers expect.

Mark Lamerdin | U.S. Financial LLC
Mortgage Broker | Reno, Nevada

08/25/2026

🏡 Reno Home Loans — Tuesday Mortgage Update

We're seeing some encouraging movement in the bond market this morning.

Mortgage rates are still in the upper-6% range, but Treasury yields have moved lower today. That's the direction we want to see for mortgage rates to improve.

If you've been sitting on the sidelines because the monthly payment was too high, this is a good time to update your numbers.

And don't focus only on the advertised rate. Seller credits, rate buydowns and choosing the right loan program can sometimes make a significant difference in both your monthly payment and cash needed at closing.

Thinking about buying in Reno, Sparks or Northern Nevada? I'm happy to run the numbers and show you what your options look like.

Mark Lamerdin | U.S. Financial LLC
Mortgage Broker | Reno, Nevada

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