Jennifer McCarthy - Mortgage Loan Officer - NMLS #2050563

Jennifer McCarthy - Mortgage Loan Officer - NMLS #2050563 Jennifer is a native San Diegan with a solid background in education and sales over the past twenty years.

E Mortgage Capital Inc NMLS 1416824
3750 S Susan St Santa Ana, CA 92704
https://www.nmlsconsumeraccess.org
For State Requirements go to (https://www.emortgagecapital.com/licensing She spent her first career years as a high school teacher and later shifted to helping folks as a wireless consultant, life insurance agent, acquisitions editor at an academic publishing company, and now serves as a mort

gage loan originator. Her passion to truly help others shines as she actively listens to the needs and goals folks share regarding their home-ownership journey. She's earned specialized certifications as a Veteran Mortgage Advisor as well as a Certified Mortgage Planning Specialist. Let Jennifer research the best products for your unique scenario through her broker partnerships and connections. Loans products available are:

▪️ Conventional Mortgage
▪️ Adjustable Rate Mortgage
▪️ Jumbo Mortgage
▪️ FHA Mortgage
▪️ ITIN Loans
▪️ USDA Home Loans
▪️ VA Home Loans
▪️ Renovation Mortgage
▪️ Reverse Mortgage
▪️ Refinance
▪️ Non-QM Loans
▪️ Hard Money
▪️ Down Payment Assistance Programs
▪️ Investment Loans
▪️ HELOC

How to be more strategic about your cash flow in a high-inflation environment...
06/15/2026

How to be more strategic about your cash flow in a high-inflation environment...

How to Be More Strategic About Your Cash Flow in a High Inflation Environment

Market UpdateMonday, June 15, 2026What's going on, and why does it matter?Oil prices have tumbled to the $80-per-barrel ...
06/15/2026

Market Update
Monday, June 15, 2026

What's going on, and why does it matter?

Oil prices have tumbled to the $80-per-barrel range after the US and Iran signed a deal on Sunday to end the war and reopen the Strait of Hormuz. It may still take a while for oil prices to reach their pre-war levels, but the good news is that they are moving in the right direction. Stocks are set to open higher, and bond yields are easing as Monday's trading session gets underway. The US bond market is closed on Friday for Juneteenth, so this will be a holiday-shortened trading week. The Federal Reserve is set to meet on Wednesday and will issue its interest rate decision at that time. Some economists are expecting the Fed to change its stance toward increasing interest rates at upcoming meetings due to persistently high inflation. However, now that oil prices seem to be coming down, it will be interesting to see how the Fed responds. Mortgage pricing may be volatile this week as the market recalibrates and reacts to these events.

What should you do about it?

Lock your rate to be safe.

Daily Bond Market Update

Market UpdateThursday, June 11, 2026What's going on, and why does it matter?The monthly PPI wholesale inflation report c...
06/11/2026

Market Update
Thursday, June 11, 2026

What's going on, and why does it matter?

The monthly PPI wholesale inflation report came out this morning worse than expected, showing a 1.1% jump in producer prices last month. This brings the year-over-year wholesale inflation number to 6.5%, the highest level in four years. Meanwhile, oil prices are on the rise again after President Trump said the US will seize Iran's Kharg Island and other "oil infrastructure points." Mortgage pricing may get worse on this news.

What should you do about it?

Lock your rate to be safe.

Daily Bond Market Update

Market UpdateWednesday, June 10, 2026What's going on, and why does it matter?The monthly CPI consumer inflation report c...
06/10/2026

Market Update
Wednesday, June 10, 2026

What's going on, and why does it matter?

The monthly CPI consumer inflation report came out this morning in line with market expectations. Month-over-month headline inflation rose 0.5% in May, while core inflation (minus food and energy) was up 0.2%. Year-over-year headline inflation is now a whopping 4.2%, while year-over-year core inflation is now 2.9%. Mortgage bonds are starting the day in negative territory below their moving averages as the market gets ready to digest this data.

What should you do about it?

Lock your rate to be safe.

Daily Bond Market Update

Don't get tripped up by these common mistakes...
06/09/2026

Don't get tripped up by these common mistakes...

Don't Get Tripped Up by These Common Mistakes!

Market UpdateTuesday, June 9, 2026What's going on, and why does it matter?Mortgage bonds are trading in negative territo...
06/09/2026

Market Update
Tuesday, June 9, 2026

What's going on, and why does it matter?

Mortgage bonds are trading in negative territory below their moving averages as Tuesday's trading session gets underway. On today's economic calendar, the market will digest the monthly US trade deficit and existing home sales reports, both scheduled for release later this morning. The US Treasury will auction $58 billion in 3-year Treasury notes this afternoon, and it will be interesting to see whether the auction is well-received by the bond market.

What should you do about it?

Lock your rate to be safe.

Daily Bond Market Update

Don't miss out on tax-free money...
06/08/2026

Don't miss out on tax-free money...

Don't Miss Out on Tax-Free Money!

Market UpdateMonday, June 8, 2026What's going on, and why does it matter?The monthly jobs report came out last Friday, m...
06/08/2026

Market Update
Monday, June 8, 2026

What's going on, and why does it matter?

The monthly jobs report came out last Friday, much stronger than expected. This data, coupled with inflation that remains persistently above the Fed's 2% target, is fueling talk of rate hikes at upcoming Fed meetings, if not in June, then probably in July. Meanwhile, US Treasury yields continue to climb amid elevated inflation and record-high US government debt levels, with no end in sight for either risk factor. The highlight of this week's economic calendar is the monthly CPI consumer inflation report, due for release on Wednesday. This is followed by the PPI wholesale inflation report that comes out on Thursday. Mortgage rates may tick higher this week in response to all this, especially if this week's inflation numbers come out elevated.

What should you do about it?

Lock your rate to be safe.

Daily Bond Market Update

Market UpdateFriday, June 5, 2026What's going on, and why does it matter?Mortgage bonds are trading in negative territor...
06/05/2026

Market Update
Friday, June 5, 2026

What's going on, and why does it matter?

Mortgage bonds are trading in negative territory, and mortgage pricing may get worse after the monthly jobs report came out this morning, much stronger than expected. The report showed that 172,000 jobs were created last month, reversing recent perceptions of a weakening labor market. This data, coupled with the recently elevated inflation numbers, makes it more likely that the Fed may start increasing interest rates at upcoming meetings.

What should you do about it?

Lock your rate to be safe.

Daily Bond Market Update

Market UpdateThursday, June 4, 2026What's going on, and why does it matter?Mortgage bonds appear to have found some supp...
06/04/2026

Market Update
Thursday, June 4, 2026

What's going on, and why does it matter?

Mortgage bonds appear to have found some support at their 10-day and 30-day moving averages, and it will be interesting to see if they can rebound off these levels. On today's economic calendar, weekly unemployment filings rose more than expected last week, and consulting firm Challenger Gray & Christmas reported that layoffs were up 16% last month. This data comes ahead of tomorrow's always-important monthly jobs report.

What should you do about it?

Watch to see if mortgage bonds can rebound off their 10-day moving average, but be prepared to lock your rate if they break below that level.

Daily Bond Market Update

Address

San Diego, CA

Telephone

+18588346655

Website

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