Nicholas Schneider NMLS# 1764725

10/30/2026

🍂 October Market Update | M&M Mortgage 🏡

A lot is happening in the mortgage market this fall! Here are a few things worth knowing:

📊 Mortgage Rates: Rates have come down from their early October highs and are trending closer to September levels. Economic conditions and inflation continue to play a role in where rates go next.

💰 Understanding 2nd Mortgages: Did you know there are several options beyond a traditional refinance? HELOCs, HELOANs, and Piggyback Loans may offer ways to access home equity or structure your financing. If you already have a second mortgage, it may be worth exploring whether you can get better terms!

❄️ Winterization Tips: Now is the time to prepare your home for colder weather. Disconnect hoses, cover outdoor spigots, clean gutters, inspect your furnace, seal drafts, and check your smoke and carbon monoxide detectors.

❤️ Client Success Story: We're grateful for another happy first-time homebuyer! Helping people navigate the mortgage process and achieve their homeownership dreams is what it's all about.

Have questions about mortgage rates, second mortgages, or your home financing options? Let's talk! I'm always happy to help you explore what's possible.

📞 Nick Schneider | M&M Mortgage
651-492-4704
📧 [email protected]
M&M Mortgage, LLC NMLS #213677

10/16/2026

It’s great to have options!!

If you have any questions please reach out.

NMLS # 1774725
M&M Mortgage, LLC NMLS # 213677

Most consumers don't understand how mortgage pricing or lender rate sheets work. Make sure you speak with an expert and don't be afraid to shop out your mortgage!

09/30/2026

Mortgage rates remain elevated and volatile, while inflation and oil prices continue to influence the market. That makes staying informed and working with a mortgage professional especially important.

📈 ARM loans are gaining attention as borrowers look for ways to manage higher rates.
🏠 Purchase season is still here! Twin Cities inventory is up 21.58% year over year, giving buyers more options and negotiating opportunities.
💰 Sellers are adjusting to a market where pricing and preparation matter more than ever.

Thinking about buying, taking cash out, or refinancing? Let’s talk about your options and create a strategy that fits your goals.

📲 Nick Schneider | NMLS #1764725
651-492-4704
M & M Mortgage, LLC NMLS #213677

08/10/2026

🚨 **STOP SHOPPING ONE LENDER AT A TIME!**

🏡 **20 LENDERS. ONE APPLICATION. MORE OPTIONS.**

We shop multiple lenders to help you find the right financing — with expanded programs, down payment assistance, refinances, reverse mortgages, HELOCs & more.

💡 Experienced, licensed Loan Officers
🤝 Education + full transparency
💙 **$185K+ donated to Minnesota Children’s Hospital**

**Your goals. More options. One trusted team.**

07/31/2026

I can't believe we're already heading into August! 🌞 Summer has flown by, and I hope you're making the most of it.

The mortgage market has stayed fairly steady this summer, but global events continue to influence interest rates. It's a good reminder that having the right mortgage partner can make all the difference.

Recently, I helped a client beat multiple offers—including a cash offer—by using a creative financing strategy. That's the advantage of working with a mortgage broker who thinks outside the box.

Also, if you have a HELOC or home equity loan, now may be a great time to review it. Rates have improved, and refinancing your second mortgage could help lower your monthly payment.

Have questions about your options? I'm always happy to help!

NMLS # 1764725
M & M Mortgage, LLC NMLS #213677

07/01/2026

Mortgage rates have started to ease after reaching their spring peak, creating new opportunities for homeowners and buyers alike.

Did you know your home's equity could help you:
✔️ Consolidate high-interest debt
✔️ Fund home improvements
✔️ Cover business expenses
✔️ Navigate life changes like divorce or tax liens
✔️ Purchase an investment or second home

This month, I also share a recent client success story where we used a HELOC to simplify finances, lower monthly payments, and provide much-needed financial flexibility.

If you've been wondering what options are available, now is a great time to explore them. Every situation is different, and I'm happy to help you find the solution that fits your goals.

📲 Scan the QR code to apply or reach out with any questions. I'm always here to help!

NMLS # 1764725
M&M Mortgage, LLC NMLS # 213677

05/29/2026

The market has been on quite a roller coaster ride this month. Much of the movement continues to be tied to global events and oil prices. When oil prices rise, rates tend to follow. When oil prices fall, rates often move lower as well. Staying informed and prepared is more important than ever in today's market.

On a brighter note, we're looking for volunteers to help make a difference in our community! We have opportunities available with Children's Hospital Bingo and will also be supporting the Special Olympics this year. Both are rewarding experiences, and we'd love to have you join us. If you're interested—or know someone who might be—reach out and I'll be happy to get you connected.

Also, a reminder that real estate doesn't stop for weekends or holidays, and neither do we. Over the past couple of weeks, I've helped clients secure pre-approvals during weekends and even on holidays. Thanks to a great support team and the tools we have in place, I'm available when you need me. If you or someone you know finds themselves needing assistance on short notice, don't hesitate to reach out. I'm always happy to help.

NMLS #1764725
M&M Mortgage, LLC NMLS #213677

05/01/2026

Spring is in full swing—whether we like it or not—which means it’s the perfect time for a little spring cleaning 🧹

While you’re organizing at home, it’s also a great opportunity to take a fresh look at your finances. A simple review can go a long way in making sure everything is working in your favor.

On the market side, a lot right now is being driven by oil prices and the situation with Iran. Watching oil trends can give helpful insight into where interest rates may be heading. For now, we may continue to see higher rates until things settle—but that could also open up new opportunities down the road.

I also get a lot of questions about combining loans. A weighted average interest rate can help determine if that move actually makes sense by showing the true blended rate of multiple loans.

If you’ve been thinking about your options or just want a second opinion, feel free to reach out anytime.

NMLS #1764725
M&M Mortgage LLC NMLS #213677

04/03/2026

March 2026 Flyer

With rates hopefully lowering sooner rather than later. Many of you will be in a position to refinance this year!

Net escrows is a great way for you to save a little bit more on your new monthly payment! It does this by allowing your loan amount to be less using your current balance in your escrow account.

If you have any questions or want to know more please feel free to reach out to me.

NMLS #1764725
M&M Mortgage LLC NMLS #213677

12/11/2025

Having many lenders helps us to find the right fit for you! That includes self-employed borrowers as well.

If you have any questions do not hesitate to reach out to me.

NMLS # 1764725
M&M Mortgage, LLC NMLS #213677

Self-employed? Your mortgage options may be more flexible than you think.

M&M Mortgage works with 15 lenders offering bank statement loan programs, subject to qualification.
👉 Visit our website to learn more about available options.
www.themmmortgage.com