Kaitlin Sten, Great Rate Kait

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Kaitlin Sten, Great Rate Kait Partnering with amazing Realtors to help guide homebuyers through the home buying journey.

09/24/2026

Where’s my hug? 😂 So what’s happening? Well, the bond market has been getting absolutely crushed and mortgage rates are feeling it.

What’s driving it?

- Stronger economic data
- Inflation concerns that just won’t go away
- Higher oil and energy prices
- Expectations that rates may stay higher for longer
- Investors demanding higher yields to hold long-term bonds

And since mortgage rates are heavily influenced by the bond market, when bonds sell off, mortgage pricing can get ugly fast.

Good news? Buyers are still getting creative with seller credits, buydowns and negotiating power.

Bad news? Your loan officer may now be drinking sparkling water in front of the office bar cart at 10am 🤪

09/23/2026

The housing market has a funny way of making us trust competition more than opportunity. In 2021, 20 offers felt like validation. In 2026, negotiating power can somehow feel suspicious. Your brain loves social proof, but the crowd isn’t always right.

Credit to my brilliant friend Shivani Peterson for sending me down this psychology rabbit hole. She’s a lender AND licensed marriage and family therapist, which is honestly an unfair combination 😂 She recently wrote about how social proof affects the way buyers perceive this market, and I haven’t stopped thinking about it.

You might see news blips about rates going up and up and have people advising you to wait to buy. But I’m here to tell you my buyers are winning right now. I’ve never seen so many seller credits, seller paid rate buy downs contract prices below list price. If you are a buyer, it’s your market.

Curious what concessions could look like at your price point? Message me!

🤓Kait

09/01/2026

Katie has a hot new listing in Clairemont that was recently renovated and features and brand new fully permitted ADU that has its own entrance and in-unit laundry! Check it out.

📍5141 Dubois Dr. San Diego 92117
🛌 4 bed/ 3 bath
🏡 2,054 sq ft

This property is great if you’d like some extra income to offset the mortgage or for multigenerational living.

Contact Katie Markegard for more information 👇🏻
Katelyn Markegard
Real Broker
DRE #01951409
760-805-1989

🚩Unpopular opinion: Your Realtor agreeing with everything you say might actually be a red flag.Share this with a friend ...
08/14/2026

🚩Unpopular opinion: Your Realtor agreeing with everything you say might actually be a red flag.

Share this with a friend whose Realtor might be a little too much of a “yes man/woman.” 😂

08/13/2026

California’s “daylighting” law was signed off on in 2023 and citations were authorized bringing in 2025 - so not exactly new BUT it’s certainly the first I had heard of it. The issue I have is that there doesn’t need to a red curb or signage to notify you and the crosswalk doesn’t even need to be marked. So I’m throwing up this reel in hopes that if I can save one person $115, it will have been worth it.

Share this with your friends because chances are, they haven’t heard of this law either.

08/12/2026

Basically…. Brokers are better! Why? 👇🏻

- Faster turn times
- Non-Qm Products to fit YOU
- Very competitive wholesale interest rate pricing
- Great customer service because we have to earn your business…it’s rare people just walk in the door. We are often referred to by past clients and business partners.
- Ability to get condo complexes VA approved
- Ability to perform FHA single unit approvals quickly
- Access to multiple lenders
- We specialize in mortgage lending

If you’ve never worked with a broker, I encourage you to try us out.

Turns out, a lot of the things I never planned for became my favorite parts of the story 🤍
08/12/2026

Turns out, a lot of the things I never planned for became my favorite parts of the story 🤍

08/10/2026

Don’t you love misleading headlines? Oh and the doom and gloom ones are the best!

It’s interesting how ai and news at our fingertips are both helping people but also paralyzing people.

At the end of the day, you have to do what is right for YOU. And that could mean waiting! But you need the numbers, the data to truly make a decision. YOUR numbers.

And lastly, make sure you connect with a a mortgage advisor - not just a call center LO who takes an application and spits out numbers. I’d love to be that advisor for you.

Whats the craziest housing headline you’ve seen? Comment 👇🏻

08/10/2026

Can you blame us? Details… 👇🏻

331 Olive Ave. Unit 202 Carlsbad, CA 92008
2 bed | 2.5 bath
1776 sp. ft
Lagoon and Ocean views 😍

This one is going to go fast!

We helped the sellers buy this beauty a couple years ago and are sad to see them move out of the area. Kait was able to get it approved for VA financing last year. The HOA is in great shape. Contact Lindsay for more details on the property.

vaapproved

07/22/2026

Most buyers are surprised by the amount of closing costs they see on a loan estimate. But it’s important to distinguish between what are fees for buying the home and using home financing versus what are things they would have to pay for anyways, but are paying in advance. Not all closing costs are fees.

Stay tuned for episode 2 where I cover prepaid taxes and impound/escrow accounts.

Save and/or share with a friend who is thinking about buying a home.

As always, I’m here for you if you have any questions.

Cheers, Kait

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San Diego, CA

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(619) 736-8779

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