Alliance Mortgage Collective

Alliance Mortgage Collective 🏠 Mortgage Loan Brokerage
🏠 Based in UT - NMLS #2812535
🏠 Current state licenses & growing 👇
🏠 UT, WA, OR, CA, ID, CO, AZ, TX, FL, OK

09/02/2026

Unfortunately, I've fallen victim to the "Bait-and-Switch" recruiting method a few times. Never fun, especially with how much time and work it takes to transition to a new company. What you WON'T get at Alliance Mortgage Collective is the bait-and-switch. You'll get the opposite. A full Onboarding & Training process that's designed to get you back to producing quickly, regardless of what level you're at in this industry or your career. Another VERY important piece that I designed and implemented that us, as LO's, take for granted. 👊

🚨 Mortgage Market Update 🚨This week could be an important one for mortgage rates 👀Here’s what happened last week + what ...
08/24/2026

🚨 Mortgage Market Update 🚨

This week could be an important one for mortgage rates 👀

Here’s what happened last week + what we’re watching now:

🏡 Homeownership continues building wealth
Home prices are up 1.71% year-over-year, and the current pace suggests roughly 3% annual appreciation.

💰 Why that matters:
A $500K home appreciating at 3% could gain approximately:
• $15K in year 1
• $80K over 5 years
• $172K over 10 years

🏗 New construction slowed
Housing starts fell 12.4% in July, while building permits rose 5%. Builders are still cautious due to rates, affordability, and construction costs.

📉 Pending home sales dipped again
Pending sales fell 2.3% in July, showing buyers are still very sensitive to mortgage rates.

🏦 Fed minutes were key
The Fed held rates steady, but 3 policymakers wanted a hike. Future decisions will depend heavily on inflation and labor data.

📊 What to watch this week:
• Tuesday: ADP, Case-Shiller, FHFA, New Home Sales
• Wednesday: PCE inflation, GDP, Durable Goods, Jackson Hole begins
• Thursday: Jobless Claims + Jackson Hole
• Friday: Fed Chair Warsh speech, Consumer Sentiment, Chicago PMI

🎯 My Take:
The big story this week is the combination of ADP, PCE inflation, Jobless Claims, and Warsh’s speech Friday.

If labor data stays soft and inflation behaves, rates could get some breathing room. But any hawkish tone from the Fed or surprises in the data could move the market quickly.

If you’re buying, refinancing, or deciding whether to lock or float, this is not a week to guess.

📲 DM me “MARKET” and I’ll help you understand what this means for your situation.

🚨 Mortgage Market Update 🚨This week is all about housing, inflation signals, Fed minutes, and growth data 👀Here’s what h...
08/10/2026

🚨 Mortgage Market Update 🚨

This week is all about housing, inflation signals, Fed minutes, and growth data 👀

Here’s what happened last week + what we’re watching now:

📉 Jobs data showed weakness
July hiring came in much softer than expected, with the economy losing 23,000 jobs vs. forecasts for an 80,000 gain.

🔻 Prior months were revised lower
May and June payrolls were revised down by a combined 103,000 jobs, adding to signs that the labor market is cooling.

💼 ADP hiring slowed too
Private employers added just 44,000 jobs in July, below expectations, with hiring concentrated in fewer sectors.

📊 Job openings also cooled
Openings fell to 7.36 million, while continuing claims stayed elevated near 1.8 million, showing it’s still taking longer for many job seekers to find work.

👀 What to Watch This Week:
• Monday: NY Fed Manufacturing + NAHB Housing Market Index
• Tuesday: Building Permits, Housing Starts, Pending Home Sales + Industrial Production
• Wednesday: FOMC Minutes
• Thursday: Jobless Claims, Philly Fed + Leading Index
• Friday: S&P Global PMI reports

🎯 My Take:
This week shifts from labor data to housing, growth, and Fed signals. If growth and labor data continue to soften, mortgage bonds could improve and help ease pressure on rates.

But this is still a market that can move fast.

If you’re buying, refinancing, or trying to decide whether to lock or float, strategy matters more than ever.

📲 DM us “MARKET” and I’ll help you understand what this means for your specific situation.

🚨 Salt Lake City Short-Term Rental Rules Have Changed 🚨Short-Term Rentals have become a "hot commodity" lately for Salt ...
08/07/2026

🚨 Salt Lake City Short-Term Rental Rules Have Changed 🚨

Short-Term Rentals have become a "hot commodity" lately for Salt Lake City and also anywhere close to the many ski resorts and Canyons that we have. This has a lot to do with the upcoming Olympics but also with Utah becoming more of a destination location for traveling.

If you own or are thinking about buying an Airbnb / Vrbo in Salt Lake City, here’s what you need to know:

✅ Effective July 1, 2026, all short-term rentals now require a city business license
💲 Cost: $540+ per unit annually
🛏 2-night minimum stay required
📆 200-night annual cap
🚗 Must have at least 1 off-street parking space
📍 A 24/7 local emergency contact in Salt Lake County is required
🏢 STRs are generally allowed in downtown, Central City, Granary, transit corridors, and mixed-use areas
🚫 Most residential zones are not allowed

⚠️ Penalties for non-compliance can be severe:
• Up to $1,000 every 7 days for operating unlicensed
• 3 verified violations in 12 months = suspension
• 3 consecutive suspensions = revocation for up to 3 years

Bottom line: Salt Lake City is tightening STR enforcement, so if you’re hosting now — or planning to invest — make sure you understand the rules before making a move.

📩 If you want help understanding how this affects buying, investing, or financing a short-term rental in Utah, send us a message.

I always love to congratulate and give a special shoutout to client's closings! I couldn't be happier for these 5 Refina...
08/06/2026

I always love to congratulate and give a special shoutout to client's closings! I couldn't be happier for these 5 Refinance clients and 2 Home Purchase clients!

We have a lot of information floating around about whether it's the right time to purchase or refinance and just make sure that you are having those real conversations with the people who know this industry VERY well. I am always available for a no-obligation discussion about your specific situation and if it makes sense, GREAT! If not, I will be the first to tell you and guide you down the path of if/when it does. DM, Call, or Text me anytime and let's talk through it together!

🚨 Mortgage Market Update 🚨This week is all about jobs data + rate movement 👀Here’s what you need to know:📊 Inflation mat...
08/03/2026

🚨 Mortgage Market Update 🚨

This week is all about jobs data + rate movement 👀

Here’s what you need to know:

📊 Inflation matched expectations
PCE inflation came in right where markets expected, with headline PCE at 3.7% YoY and Core PCE at 3.3% YoY.

🏡 Home prices stayed firm
Case-Shiller showed national home prices up +0.6% month-over-month and +1.1% year-over-year, while the 20-city index is up +1.6% YoY.

📈 Bonds may have room to rebound
Weaker jobs data this week could help Mortgage Bonds continue to improve — which may help ease pressure on mortgage rates.

👀 What to Watch This Week:
• Tuesday: JOLTS
• Wednesday: ADP Employment Report
• Thursday: Challenger Job Cuts + Jobless Claims
• Friday: BLS Jobs Report

🎯 My Take:
Jobs data is the big story this week. If labor numbers come in weaker, it could give the Bond market more room to improve and give Fed Chair Kevin Warsh another reason to avoid a hike.

If you’re buying, refinancing, or deciding whether to lock or float, this is the type of week where strategy matters.

📲 DM me “MARKET” and I’ll help you understand what this means for your situation.

🚨 Mortgage Market Update 🚨This week could be BIG for mortgage rates 👀Here’s what happened last week + what we’re watchin...
07/27/2026

🚨 Mortgage Market Update 🚨

This week could be BIG for mortgage rates 👀

Here’s what happened last week + what we’re watching now:

🏡 New Home Sales Rebounded
New home sales beat expectations in June, rising 1.6% to a 628K annual pace after two straight monthly declines.

💰 Home Equity Keeps Building
Home prices rose again, with ICE showing home values up 1.7% year over year. Even modest appreciation adds up — a $500K home gaining 3% = about $15K in equity over one year.

⛽ Oil Markets Remain Volatile
Middle East tensions continue to create uncertainty around oil supply routes, which matters because oil prices can impact inflation… and inflation can impact mortgage rates.

💼 Jobless Claims Look Low — But There’s More to the Story
New claims fell to their lowest level since 1969, but continuing claims remain elevated near 1.8M, showing many job seekers are still taking longer to find work.

👀 What to Watch This Week:
• Tuesday: ADP Employment Data
• Wednesday: Fed Interest Rate Decision + Press Conference
• Thursday: PCE Inflation + GDP

🎯 My Take:
Wednesday is the big one. If the Fed sounds more aggressive or signals a possible hike, that could put pressure on rates and the real estate market.

This is not a week to guess.

If you’re buying, refinancing, or trying to decide whether to lock or float, strategy matters.

📲 DM me “MARKET” and I’ll help you understand what this means for your situation.

🚨 Mortgage Market Update 🚨This week is all about inflation + rates 👀Here’s what you need to know:📉 Mortgage Bonds opened...
07/13/2026

🚨 Mortgage Market Update 🚨

This week is all about inflation + rates 👀

Here’s what you need to know:

📉 Mortgage Bonds opened weaker
UMBS 30YR 5.5% was down 41 bps, while the 10-Year Treasury moved up to 4.62% — a sign rates started the week under pressure.

🏡 Home sales cooled slightly
Existing home sales slipped 2.4% in June, but they’re still nearly 3% higher than last year.

💰 Home prices are still climbing
Home values rose again and are forecasted to increase another 4.8% over the next year. A $500K home gaining 5% = about $25K in added value.

🏦 The Fed is making moves
Fed Chair Kevin Warsh announced new task forces to improve how the Fed studies inflation, jobs, productivity, and future policy decisions.

👀 Biggest reports to watch this week:
• CPI Inflation Report
• PPI Inflation Report
• Retail Sales
• Jobless Claims
• Pending Home Sales
• Housing Starts & Building Permits

🎯 My take:
Mortgage rates remain extremely sensitive to inflation data. This week’s CPI and PPI reports could be major market movers.

If you’re buying, refinancing, or trying to decide whether to lock or float, this is the kind of week where strategy matters.

📲 DM me “MARKET” and I’ll help you understand what this means for your situation.

📉 Housing Headlines You Shouldn’t Ignore 📊Pending home sales dipped in December — but before you assume the market is sl...
07/06/2026

📉 Housing Headlines You Shouldn’t Ignore 📊

Pending home sales dipped in December — but before you assume the market is slowing, there’s more to the story. Holidays, winter weather, and extremely low inventory played a big role. With just 1.18M homes available nationwide, many buyers simply had fewer options to choose from.

Meanwhile… 💥
The U.S. economy just posted its strongest growth since 2023, and layoffs remain historically low. Translation? The economy is still moving, and motivated buyers and sellers are very much in the game.

🏡 What this means for you:
Market conditions are shifting — and strategy matters more than ever.

📲 Thinking about buying, selling, or refinancing this year?
Let’s talk through what these trends mean for you specifically. Send us a message or book a quick call — We're happy to help you make sense of it all.

🚨 MORTGAGE MARKET UPDATE 🚨This week could get interesting for mortgage rates 👀Here’s what happened last week + what to w...
06/29/2026

🚨 MORTGAGE MARKET UPDATE 🚨

This week could get interesting for mortgage rates 👀

Here’s what happened last week + what to watch now:

🌍 GEOPOLITICS STILL MATTER
After more back-and-forth between the U.S. and Iran, another cease-fire is now in place and the Strait of Hormuz has reopened. That helped oil prices pull back from around $74/barrel to roughly $70, as of today.

Why does that matter?
Oil prices impact inflation in a big way — and inflation impacts mortgage rates.

📊 INFLATION IS STILL THE BIG STORY
Recent PCE inflation moved higher, but when removing the biggest outlier categories, inflation is closer to 2.4% — not far from the Fed’s 2% target.

That’s a big reason markets are watching the Fed so closely.

🏡 HOME VALUES ARE STILL HOLDING STRONG
ICE home price data showed home values are up 3.5% year over year nationwide. Even with higher rates, real estate continues to show long-term strength and it still remains a "Buyers Market" with a lot of sellers reducing sales prices or offering higher than normal concessions funds to go towards a Buyer's closing costs.

🏠 NEW HOME SALES SLOWED
New home sales fell again in May, partly because buyers were shopping during a higher-rate environment. But completed, move-in-ready inventory is still limited, which can help support home values over time.

💼 JOBS DATA & KEVIN WARSHS' SPEACH WEDNESDAY ARE THE BIG WATCH ITEMS FOR THIS WEEK
ADP jobs data is coming Tuesday, followed by a highly anticipated speech from Fed Chair Kevin Warsh on Wednesday. If jobs come in weaker or the Fed signals a softer tone, rates could react quickly.

🎯 MY TAKE:
This is not a boring market — and it’s definitely not a “guess and hope” market. Rates, oil prices, inflation, jobs data, and Fed commentary are all moving pieces right now. If you’re buying, refinancing, or have your interest rate floating, strategy matters more than ever.

📲 DM me and I’ll break down what this means for your specific situation. Never hurts to talk and relying on an expert, especially during these times, couldn't be more important. Enjoy your 4th of July celebrations! 👊🎉

Address

Saint George, UT
84790

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm
Saturday 8am - 6pm
Sunday 8am - 6pm

Telephone

+18018288645

Website

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