John Labban Mortgage Guru - NMLS 920783

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John Labban Mortgage Guru - NMLS 920783 Mortgage Loan Officer with Mutual of Omaha Mortgage (NMLS 1025894) in Scottsdale, AZ. Views on this page are my own and don't reflect those of my company.

11/02/2026

Wanted to say thank you to Coach Mike Norvell. I know it didn't go as planned, but there were some incredible memories in the 6+ seasons in Tallahassee.

First bowl win over Oklahoma since 1965
Wins over LSU and Alabama
Wins over Florida and Miami
2023 ACC champions

Good luck in your next stop.

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11/02/2026

Good morning. Well, October was no trick but a treat for sure. Hope everyone had a and now that we are in November, time for some good news:

US10Y down to 4.88% in the market.

Seeing a downward trend in the US10Y ahead of the midterms, and I think it will start to ease and drop for the rest of the month and into the end of the year. Some much needed relief for mortgage rates.

Rates themselves won't come down, but pricing on rates should be sharper this week.

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10/30/2026

Good morning, Happy Friday. US10Y at 4.94% in the market right now which is a great sign that the US10Y maybe on the way down going forward for the rest of the year.

We shall see what happens after the midterms.

10/29/2026

Good morning, US10Y at 5% in the market right now. Rates and pricing are flat in the market so no change in either direction right now.

10/28/2026

US10Y at 5.04% this morning in the market, the Federal Reserve meets today and no rate hike expected.

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10/27/2026

Good evening. I hope everyone is doing well. US10Y at 4.99% in the market to close.

10/24/2026

Happy Friday. US10Y closes at 5% to end the week. Rates not down yet, but good sign for what may come by summer of 2027. Rates are going to hold steady FWIW I think until at least next summer. If you're in process, close and get your benefit.

You can refinance down the road.

Benefits now are saving money, consolidating debt and having cash.

10/22/2026

FINALLY. US10Y now under 5% and at 4.97%, great sign that the market is showing some easement and maybe rates could start coming down by the end of the year. Granted, the US10Y is still 1% (or 100 basis points) higher than at the end of February. But the signs are there for rates to come back down.

US10Y coming down and with that, some easement in the markets.

For those with purchases or loans closing in the next thirty days you need to lock now. If you are out of 30 days, I would wait until Monday to see what the market is at before locking on Monday.

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10/21/2026

Good morning. US10Y at 5.11% in the market this morning. Still hovering below the 5.30+ range we saw two weeks ago, but I would lock anything now within 30 days of closing. Anything outside of 30 days, you can ride the market this week to see if it dips below 5%.

Mortgage rates are still steady, but pricing a bit sharper (better) in the market this morning on the rates.

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10/20/2026

Good morning, wonderful Tuesday to be alive. US10Y at 5.12% in the market. Saw this dip last week, but a slight rise this week. If you are in purchase contract of 30 days or less, you need to lock your rates now. If you are closing for 30+ days out, then you can ride the market for next day or two to see what happens.

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Address

3131 Camino Del Rio N, Suite 1100
San Diego, CA
92108

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

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+19496524528

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