David P. Koch - NMLS 1475785 - #youhavetocalldavid

11/02/2026

The winds are finally shifting a little in the mortgage market 💨

After a rough September and early October, mortgage rates have now improved for two consecutive weeks.

Freddie Mac’s average 30-year fixed mortgage rate fell to 7.24%, down from the recent 7.40% peak.

Even more interesting is what’s happening underneath mortgage rates.

The U.S. 10-year Treasury yield dropped from 5.29% at the end of September to 4.94% by the end of October.

Why should home buyers care?

Mortgage rates tend to move closely with the broader bond market, especially long-term Treasury yields. So when the 10-year Treasury moves lower, it can create an opportunity for mortgage rates to improve as well.

That’s exactly what we started to see toward the end of October.

Some of October’s rally came as investors became more cautious about AI infrastructure spending, technology valuations, and broader financial-market risk and moved money toward safer government bonds.

That’s encouraging....but I’m not ready to declare victory yet.

The Federal Reserve held rates steady last week, and two policymakers actually wanted to raise rates another 0.25%. Inflation remains a concern, and there are still plenty of forces that could push bond yields higher again.

Meanwhile, buyers are starting to respond to the recent rate improvement.

Mortgage purchase applications increased 4% last week.

But they’re still 18% lower than they were a year ago.

That tells us affordability is still doing real damage to buyer demand.

If you’re thinking about buying in Kane County, DuPage County, or Chicago’s western suburbs, let’s run the numbers again.

No obligation. No judgment. Just the numbers and a plan.

👉☎️ www.YouHaveToCallDavid.com

*Market data reflects the most recently available information as of November 2, 2026. Mortgage rates are national survey averages and can change daily. Treasury yields and housing-market conditions are subject to change. Individual mortgage pricing varies based on loan program, borrower qualifications, property, and other factors.*

10/30/2026

Some months, the scoreboard looks phenomenal 📈

Record months. Big wins. Success after success.

Other months? They're a little quieter.

They're about showing up, doing the right things, strengthening relationships, and trusting the process even when the scoreboard doesn't reflect all the work being done.

October was one of those months for me.

While sales numbers tend to grab the headlines, this month was about something much more important: building new habits, setting the right expectations, and finding our rhythm with a new team.

You can't always control the results, but you CAN control the work you put in every single day.

What I can tell you is that the foundation is being built for something GREAT, and I'm excited about what's ahead.

On to November! 🚀

And remember... no matter what month it is, if you've got mortgage questions 👉☎️

10/29/2026

This is an amazing program that supports Illinois firefighters looking to purchase their first home 🏠👨‍🚒

Supporting those who answer the call means supporting the lives they’re building beyond the job, too.

As the official mortgage provider of the International Association of Fire Fighters, The Money Store is proud to stand behind fire fighters, emergency medical service workers, and rescue professionals as they work toward their homeownership goals.

Learn more at www.themoneystore.com/iaff.

10/28/2026

I once read that going for a walk won't solve your problems... But I definitely won't make your problems WORSE.

And those are words I choose to live by.

I like to go on walks to clear my head and think through things, especially when I'm distracted by all the unimportant things vying for my attention.

So here's my challenge....

Go on a walk 🚶‍♂️

Ask yourself: "What's really important to me right now?" 🤔

Then reflect whether your actions, and you're spending 💲, really reflect your stated priorities.

Thank me later.

👉☎️

10/28/2026

Happy Fed Day to all those who celebrate 🎉 📈

But seriously, my hope is that the Fed decides to hit the pause button today and give itself more time to evaluate the economic data before its next meeting in December.

Between persistent inflation, uncertainty surrounding the labor market, and mixed signals about the overall health of the economy, I think there are still more questions than answers.

Personally, I'd rather see how things shake out over the next several weeks than rush into another rate move.

So what does this mean for mortgage rates?

Here's the important distinction: The Fed doesn't directly control mortgage rates. The bond market is constantly reacting to economic data, inflation expectations, and what investors believe the Fed will do next.

That means what the Fed says today could be just as important as what it actually does.

My take? A little patience and some additional clarity would be a welcome change right now.

Buckle up. It could be an interesting afternoon! 👀

What do you think? Should the Fed hold steady or make another move?

👉☎️

10/27/2026

The Money Store NMLS # 1019 Marketing Team: "We want your ideas! Please send them to us!"

Me: 🙋‍♂️ I got an idea....

👉☎️

10/26/2026

Mortgage rates finally gave buyers a little relief last week… but the bigger story is what’s happening underneath the surface 👀

Freddie Mac’s average 30-year fixed mortgage rate fell to 7.32%, the first meaningful improvement we’ve seen in several weeks.

That’s good news... but buyer demand is still feeling the effects of the higher-rate environment.

National purchase mortgage applications are now 18% lower than they were a year ago, and September pending home sales fell sharply across the country.

So yes... buyers are pulling back.

But that does NOT automatically mean home prices are falling here in Chicagoland.

The latest data shows:

➡️ Detached home sales: -1.1% YoY
➡️ Attached home sales: -6.7%
➡️ Detached homes under contract: -9.7%
➡️ Attached homes under contract: -3.0%

At the same time, median sale prices are still higher than they were a year ago.

We’re seeing fewer transactions, but we still don’t have enough inventory in many parts of the western suburbs to create broad price declines.

Here is the opportunity for buyers in the market ⬇️

If fewer buyers are competing for homes, some sellers may be more willing to negotiate, especially on properties that have been sitting.

That could mean opportunities for:

• Seller-paid closing costs
• Rate buydowns
• Price reductions
• Repairs or other concessions
• More favorable contract terms

Buyers who stay active may have more leverage on the right property than they did earlier this year.

If you’re thinking about buying in Kane County, DuPage County, or Chicago’s western suburbs, don’t just ask:

“What’s the rate?”

Let’s also ask:

What’s the price?
What’s the payment?
How much competition is there?
What can we negotiate?
And does the deal actually make sense for you?

No obligation. No judgment. Just the numbers and a plan.

👉☎️ www.YouHaveToCallDavid.com

*Market data reflects the most recently available information as of October 26, 2026. Mortgage rates are national survey averages and can change daily. Local housing conditions vary by community, property type, and price point.*

10/21/2026

Contact me about these amazing benefits! 👉☎️

At The Money Store, we believe those who dedicate their lives to serving others deserve a trusted partner when pursuing their homeownership goals.

As the official mortgage provider for the International Association of Fire Fighters, we're committed to providing members and their families with the guidance, education, and financing solutions they need to make homeownership a reality.
We're proud of this partnership and grateful for the opportunity to serve the IAFF community coast to coast.

10/21/2026

"The housing market is FROZEN!" 🥶🏠

That's what you'd believe if you only read the headlines coming out of the New York Post and other major publications right now.

And look, I'm not going to sugarcoat it.

Mortgage rates have risen. Home affordability is getting tougher. Fewer homes are selling.

But here's what those national headlines are missing... 👇

When markets shift, OPPORTUNITIES arise.

Less competition, more negotiating power, seller concessions, creative financing strategies... There are still ways for home buyers to make the numbers work!

The key is knowing where to look and having the right professionals in your corner.

As a Certified Mortgage Advisor™, my job isn't to convince you that NOW is the time to buy a home.

My job is to help you understand your options, uncover opportunities, and make an informed decision based on what matters most to YOU.

A slower housing market doesn't mean opportunity disappears. Sometimes it means opportunity looks different.

And if you're wondering what those opportunities might look like for you, I'd love to have that conversation.

No pressure. No obligation. Just good information and a plan. 🤝

👉☎️

10/20/2026

I've always believed that better data leads to better decisions.

And right now, every Illinois home buyer needs better data because, now more than ever, EVERY DOLLAR COUNTS 💵

"Should we buy now, or wait until next year?"

"Is buying a home really worth it?"

Those are very real questions for a lot of families right now. And I believe home buyers deserve more than just an interest rate quote and a "good luck!"

That's why I love this Purchase Analysis dashboard.

It gives every buyer a clear, personalized breakdown of their financing options, including different down payments, interest rates, seller credits, and more.

They can even see projections of how their purchasing power and home equity could change over time.

Here's the thing...

My job isn't to convince everyone that NOW is the time to buy a home.

My job is to help people understand their options so they can make the best possible decisions for themselves and their families.

Let's take the guesswork out of it.... What makes the most financial sense? What puts you in the strongest position long-term?

That's what I'm here to help you figure out.

If any of this resonates with you or someone you know, I'd love to talk. Let's put the numbers to work and build a plan together.

No pressure. No obligation. Just real answers.

👉☎️