Zach Carter - Mortgage Loan Officer - NMLS 2171030

07/17/2025

Jamie Sturgill, Mobile: (972) 369-9721, Bradford Elite Real Estate LLC, Enjoy the Wylie lifestyle in this fabulous 3 bedroom, 2 bath home with a large yard and plenty of parking. Located in the Cascades development, and just minutes from Collin College, this community features 3 catch and release po...

07/16/2025

📉 The Fed Doesn’t Set Mortgage Rates… But It Influences Them! 🏡💸

When the Fed raises or lowers its federal funds rate, it doesn’t directly change mortgage rates — but it does influence them.

🔍 Here’s how it works:
• The Fed controls short-term rates 📊 (like what banks charge each other).
• Mortgage rates are based on long-term bond yields, especially the 10-year Treasury.
• When the Fed raises rates to fight inflation, investors often demand higher yields on bonds.
• That leads to 📈 higher mortgage rates.
• If the Fed signals a pause or cut, bond yields tend to fall… and 🏡 mortgage rates might drop too.

👉 Bottom line: The Fed nudges, but the market responds.

📲 Save this if you’re house hunting or refinancing!

07/09/2025

07/04/2025

Happy Independence Day! 🇺🇸

07/01/2025

View today's current mortgage rates with our national average index, calculated daily to bring you the most accurate data when purchasing or refinancing your home. Follow our daily market analysis with Mortgage Rate Watch and we'll tell you where and why rates are moving.