Geoff Kautzman - Ethos Lending - NMLS #1172223

09/08/2026

Friday's jobs report came in strong. Normally that kind of print sends rates higher, fast. Instead they barely moved. Here's why that matters and what's actually worth watching this week.
• 30 year fixed sits at 6.89%, up from 6.56% a year ago. That's about $110/mo more on a $500K loan
• Fed rate cut odds for the Sept 16 meeting just rose to 60%
• Friday's CPI report is the one that actually moves the needle, not this jobs data
• The market right now is genuinely balanced. Some homes get multiple offers, others sit for weeks. Pricing and presentation are the difference
• Over 40% of closed deals right now include a seller concession. Real leverage a lot of buyers don't know is on the table
Wondering whether now's the time to buy, sell, or refinance? Let's talk through your specific numbers.

EthosLending

08/25/2026

Six months from now, someone's going to tell the story of what happened in the housing market this fall. Here's this week's version, before someone else tells it for you.

Rates are drifting, not deciding — 30-yr fixed at 6.77%, Freddie Mac's survey shows a pullback to 6.65%

Credit card debt just hit $1.263 trillion nationally — the average homeowner is sitting on $310,000 in equity

Home prices are up 1.71% year-over-year, the fastest pace in 14 months — waiting isn't free

Fed Chair Kevin Warsh gives his first Jackson Hole keynote this Friday, Aug 28

If you're carrying high-interest debt and sitting on home equity, those two numbers should be talking to each other. DM me if you want to run yours.

08/18/2026

Got credit card debt piling up at 20%+ interest? There's a smarter way to handle it.
A Digital HELOC lets you roll high-interest debt into one manageable payment — using the equity you've already built in your home.
100% digital, apply from your phone
Average close in about 6 days
Access up to $500,000
Paying down balances first can actually help you qualify
If you're carrying multiple high-interest balances, this is worth 10 minutes of your time to look into.
DM me "HELOC" or tap the link in bio to find out how much you could access.
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08/17/2026

Here's what we're watching in the housing market this week 👇

Rates eased off their late-July highs, and mortgage applications jumped 3.6% almost immediately — proof that buyers and homeowners are ready to move the second there's relief. Meanwhile existing-home sales stayed "remarkably stable" (NAR's words) even with rates still elevated, and home prices just logged their 37th straight month of annual gains.

The math says the market's holding steady. The mood says people are still waiting to feel confident. If you've been sitting on the sidelines waiting for a "sign," this might be it.

Questions about what this means for your specific situation? Drop a comment or send me a message — happy to walk through it.

08/05/2026

Homeownership is about more than having a place to live - it’s an opportunity to build wealth, create stability, and invest in your future. From building equity over time to putting down roots in a community you love, buying a home can be one of the most powerful financial decisions you make. If homeownership is part of your goals, now is the time to start planning, preparing, and exploring your options.

Homeownership is about more than having a place to live - it’s an opportunity to build wealth, create stability, and invest in your future. From building equity over time to putting down roots in a community you love, buying a home can be one of the most powerful financial decisions you make. If homeownership is part of your goals, now is the time to start planning, preparing, and exploring your options.

07/17/2026

It was an eventful week for mortgage rates and the bond market, but ultimately a decent one. Monday's rates matched the highest levels in nearly a year, but by Friday, we were actually just a hair lower versus last Friday.

It was an eventful week for mortgage rates and the bond market, but ultimately a decent one. Monday's rates matched the highest levels in nearly a year, but by Friday, we were actually just a hair lower versus last Friday. Here's how we got there.

06/23/2026

💡 Still making multiple high-interest debt payments every month?

Your home's equity could be the solution.

✔ Access up to $500,000
✔ Pay off credit cards and personal loans
✔ One simplified monthly payment
✔ Fully digital process
✔ Closings in as little as 6 days

Curious how much equity you can access?

📩 DM me "HELOC" and I'll provide a complimentary review of your options.

06/16/2026

The market is giving us some encouraging signs this week. Mortgage rates are near recent lows, homeowner equity is at record levels, and investors will closely watch inflation and the Fed for clues on where rates may head next.

The biggest opportunities often come when you have a plan before everyone else reacts to the headlines. If you're thinking about buying, refinancing, or exploring your options, let's talk about the best strategy for your situation.

📞 Call me today to discuss your goals and create a personalized mortgage game plan.

Geoff Kautzman | Ethos Lending

06/09/2026

The market is changing, but that doesn't mean you should sit on the sidelines.

This week's key themes are confidence, debt, affordability, and housing opportunity. The buyers and homeowners who win in today's market aren't waiting for perfect conditions, instead, they make informed decisions with a solid strategy.

If you're wondering whether now is the right time to buy, refinance, or leverage your home equity, give me a call. I'd be happy to walk through your options and help you create a plan that makes sense for your situation.

Geoff Kautzman | Ethos Lending

06/01/2026

Don't let headlines make your real estate decisions for you.

This week's economic reports could create movement in mortgage rates, but every buyer and homeowner's situation is different. The best strategy isn't timing the market perfectly—it's understanding your options and making informed decisions.

Call me today for a personalized mortgage strategy session.

Geoff Kautzman | Ethos Lending
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