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Conor Riley Mortgages Licensed Mortgage Loan Originator in over 20+ States. I can help you get into your dream home! 🏡

Rates caught a break this week. Here’s how it unfolded.Tuesday started quietly, with investors stepping in after recent ...
10/16/2026

Rates caught a break this week. Here’s how it unfolded.

Tuesday started quietly, with investors stepping in after recent highs.

Wednesday looked like a setback when hot inflation data sent rates higher at the open. By the close, the market had reversed and erased the damage.

Thursday brought more hot inflation data, and rates improved anyway as a tech and AI stock selloff pushed money toward bonds.
It’s too early to call this a trend. Much of the strength is tied to nerves in the tech space, and inflation is still the thing to watch.

If you’ve been waiting on the sidelines, one good week doesn’t change the bigger picture. It’s a good moment to see where you actually stand.

DM me and let’s run your numbers. 📊

🏡 Before you scroll Zillow, do this first! Buying a home starts with a strong financial foundation. With S1 FinFit, it’...
10/14/2026

🏡 Before you scroll Zillow, do this first! Buying a home starts with a strong financial foundation. With S1 FinFit, it’s easy to see your spending, track your credit, and get mortgage-ready all in one app. 📲 Hit the link in bio to get started with S1 FinFit.
https://myoc.io/

10/12/2026

Self-employed buyers, do not count yourself out before someone has actually looked at your numbers.

I see this constantly. Business owners know what their company brings in, but their tax returns tell a different story, and they assume no lender will make it work.

Here is the problem with waiting until you find a house you love to figure this out: you lose time you cannot get back.

Come to me early, and I can tell you exactly how your income documents, what I will actually use to qualify you, and what to work on between now and when you want to buy. Sometimes you are closer than you think. Sometimes we build a plan for the next 6 to 12 months. Either way, you get a real answer instead of another year of assuming.

I also have non-QM products that might fit your specific situation.

If your income is what is holding you back, message me “self-employed.” Close with Conor.

Mortgage rates just hit their highest level since 2023. Here's what drove it.Monday started with the 10-Year Treasury at...
10/09/2026

Mortgage rates just hit their highest level since 2023. Here's what drove it.

Monday started with the 10-Year Treasury at 5.31%, already at multiyear highs.

Tuesday brought a little breathing room. Yields slipped back a few points and stocks hit a record.

Wednesday flipped it again. Minutes from the Fed's September meeting showed the vote to hike was unanimous, and the 10-Year spiked to around 5.36%, its highest level since 2002. A strong 10-Year auction pulled yields back off the peak, but the damage was done.

Thursday added fuel. Oil jumped about 5% on fresh signs of escalation in the Middle East, and Fed Governor Waller said multiple more rate hikes may be needed to get inflation under control. Jobless claims stayed low, so the labor market isn't giving the Fed a reason to back off.

Friday finally gave markets a breather. Trump said the U.S. won't attack Iran before the midterms, oil eased a bit, and the 10-Year settled near 5.25%. Brent is still above $100.

All of that pushed the average 30-year fixed rate to 7.4% this week, up from 7.28% the week before, according to Freddie Mac.

If you're waiting for rates to drop, this week gave no sign that's coming soon. What you can control is knowing your numbers. DM me and let's run them. 📊

Your first home is bigger than just a mortgage. It's a move towards wealth, stability and freedom. DM me and let's set u...
10/07/2026

Your first home is bigger than just a mortgage. It's a move towards wealth, stability and freedom. DM me and let's set up a homebuying gameplan 🏡

The home loan benefit for veterans 🏡 Swipe to learn more!
10/05/2026

The home loan benefit for veterans 🏡 Swipe to learn more!

Rates hit a multi-year high this week. Here's the story behind it.Monday through Wednesday, rates climbed steadily, even...
10/02/2026

Rates hit a multi-year high this week. Here's the story behind it.
Monday through Wednesday, rates climbed steadily, eventually touching levels not seen since 2023. Thursday brought a bit of relief as rates eased back.
What drove it: the bond market repricing Fed policy and inflation expectations, tension in the Middle East rattling oil markets, and growing concerns about bond supply here and in Europe.
Waiting for the "right" rate can cost you more than it saves. Home prices don't pause while markets sort themselves out.

DM me and let's run your numbers. 📊

10/02/2026

Your credit score isn't a verdict. It's just one data point. 🏡

I've talked to countless buyers who thought they weren't ready to buy because of a number they saw on their credit report.

What actually matters?

✅ Income
✅ Down payment
✅ Assets
✅ Debt-to-income ratio
✅ Loan program options
✅ Credit history

The best part? Many buyers qualify sooner than they think.

Drop your credit score below or send me a DM, and I'll tell you what I'd focus on improving if I were in your shoes.

Follow for more mortgage tips and homebuying myths that cost people years of waiting.

How many did you check off? Save this for later!
09/30/2026

How many did you check off? Save this for later!

Self-employed? Recent credit event? Swipe to see how non-QM loans open the door to homeownership 🔑
09/28/2026

Self-employed? Recent credit event? Swipe to see how non-QM loans open the door to homeownership 🔑

Address

7676 Hazard Center Drive #340
San Diego, CA
92108

Opening Hours

Monday 7am - 7pm
Tuesday 7am - 7pm
Wednesday 7am - 7pm
Thursday 7am - 7pm
Friday 7am - 7pm
Saturday 10am - 5pm

Telephone

+13157055420

Website

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