Gina Rainey, Senior Loan Officer NMLS# 291780

10/23/2026

Some good news for homebuyers: mortgage rates dropped again, reaching their lowest levels in nearly a month.

Here’s the quick explanation: When investors get nervous about the stock market, they often move money into bonds. That shift can help bring mortgage rates down.

For someone buying a home, a lower rate could mean a lower monthly payment or a little more room in the budget.

Agents: This is a great reason to reconnect with buyers who’ve been waiting and see how the numbers may have changed.

Let’s run an updated payment scenario and see what’s possible.

10/22/2026

Our client got pre-underwritten well before finding the right place. When this beautiful home in Rohnert Park’s University District came along, she was ready to make her move.

Getting pre-underwritten means your finances receive a more thorough review upfront, which can give sellers added confidence and help your offer stand out.

Now she’s one step closer to calling this inviting home her own, complete with a cozy fireplace, spacious kitchen and a backyard made for relaxing

10/21/2026

Sound familiar? You don’t have to figure it all out before we talk.

Let’s look at where you are, what’s changed, and what options may be available. Whether you’re ready now or need a plan to get there, we can work through the next steps together.

Reach out. Let’s start the conversation.

10/19/2026

Join us for an informative session with EVP of Operations, Traci Anastasia on the upcoming changes to the appraisal form and how it will affect you and your buyers.

Don’t miss this opportunity to gain expert knowledge!

10/19/2026

NEW LISTING | OPEN HOUSE

Sunday 10/25 | 1pm-4pm

68 Meadow Drive | Mill Valley
Morning coffee in your private garden, dinner on the patio, and Horse Hill views to enjoy along the way.
This inviting 3-bedroom, single-level home in sought-after Sutton Manor brings together cozy living spaces, a spacious family room, and sliding doors that open to a peaceful garden retreat.
Room to gather, space to unwind, and a little of everything that makes Marin living so special.
💲1,895,000
Listed by Annie and Honey | DRE #01402654 | Coldwell Banker Realty

Thinking about home financing? Let’s connect and find the best solution for you.
➜Gina Rainey, VP of Mortgage Lending
➜Danielle Mathews, Business Development
📞 (415) 660-0801
📩[email protected]
📩[email protected]
🌎Licensed in CA | Marin County Expert

10/16/2026

Mortgage rates gave buyers a little breathing room this week.

After hitting recent highs, rates dropped over the past several days, though today’s numbers show a slight move back up.

What’s behind the movement? Concerns about tech stocks helped boost demand for bonds, which can help mortgage rates come down. MBS, or mortgage-backed securities, are part of that bond market.

Does this mean rates will keep falling? It’s too early to tell. Inflation and economic news can still change the direction.

Thinking about buying? Let’s look at what today’s rates could mean for your monthly payment and budget

10/15/2026

10/12/2026

From pumpkins on the porch to cozy nights on the couch, it’s the little moments that make a house feel like home.

If a home of your own is on your wish list this fall, let’s talk about what’s possible.

We’re here to help you understand your mortgage options and take that first step.

10/09/2026

A little good news if buying a home is on your radar.

Mortgage rates had their biggest one-day drop in three months on Thursday. The average 30-year fixed rate fell about 0.09 percentage points. For example, that’s like going from 6.50% to 6.41%.

The day actually started with rates slightly higher. Yep, mortgage rates can change more than once a day!

So what helped rates drop? Headlines about the war in Iran played a part. Investors also bought more bonds, which can help push mortgage rates lower. There wasn’t one single reason behind the move.

For buyers, a lower rate could mean a lower monthly payment. Your exact rate depends on things like your credit, down payment and loan type.

Want to see what the numbers could look like for you? Let’s chat.