Faramarz Moeen-Ziai - FMZ Loans

06/18/2026

Mortgage rates remained relatively steady this week, even as markets reacted to the first Federal Reserve meeting under new Fed Chair Kevin Warsh.

The biggest surprise came from the Fed's updated rate projections, which suggested a greater likelihood of future rate hikes than investors were expecting. That created some midweek volatility, but much of the reaction faded by week's end.

Meanwhile, continued progress toward peace in the Middle East helped keep broader rate pressures in check.

For now, both Fed policy and global developments remain important drivers of the mortgage market.

For any specific questions or to discuss your scenario, please email [email protected].

Since March 1st, the Iran war has been the primary reason for movement and volatility in the bond/rate market. Pre-war motivations were woefully muted. That changed a bit with the jobs report two week...

06/12/2026

Mortgage rates moved slightly lower this week as markets responded to encouraging developments surrounding a potential peace agreement in the Middle East.

Over the past several months, concerns about inflation and rising oil prices have been major drivers of mortgage rate volatility. This week, signs of progress toward a peace deal helped calm markets and push rates closer to their best levels in recent weeks.

The story isn't over yet, though. Markets will continue watching closely for any updates, and rates could still move in either direction depending on what comes next.

For any specific questions or to discuss your scenario, please email [email protected]

Since late March, markets have had repeated opportunities to play deal or no deal when it comes to ending the Iran war. Sometimes we won. Sometimes we lost. This week's installment was touch and go, b...

06/05/2026

Mortgage rates moved higher this week after a stronger-than-expected jobs report surprised financial markets.

For the past few months, rates have been driven largely by inflation concerns and global headlines. This week, however, the focus shifted back to the U.S. economy as job growth came in well above expectations and prior months were revised higher.

The stronger labor market data led investors to rethink expectations for future Fed rate cuts, putting upward pressure on mortgage rates.

Whether this is the start of a broader trend or simply a reaction to one report will depend on the data ahead.

For any specific questions or to discuss your scenario, please email [email protected]

While they're not yet back to the recent long term highs seen on May 19th, mortgage rates surged to 2-week highs on Friday after an exceptionally strong jobs report. This is a bit out of character bas...

06/04/2026

We make sure your file is reviewed by a human underwriter so there are no surprises. Human touch is what we are all about.

05/22/2026

Mortgage rates experienced their most volatile week in months, briefly climbing to 9-month highs before recovering by the end of the week.

Much of the movement was driven by global headlines, oil prices, and major shifts in the bond market. By midweek, improving peace prospects helped calm markets and bring rates back down.

While rates ended the week near where they started, volatility remains very real — and markets are continuing to react quickly to new developments.

Buyers who stay informed and ready are still in the best position to act when the right opportunity comes along.

For questions about today’s market — or to discuss your specific scenario — reach out to us at [email protected].

This week ended up being the most volatile for interest rates since late March. By Tuesday, the average mortgage lender was at the highest level in more than 9 months. But ultimately, Friday's rates e...

05/15/2026

Mortgage rates climbed to 9-month highs this week as markets reacted to rising inflation and continued uncertainty surrounding the Iran war.

A big reason? Higher fuel prices and inflation expectations tend to push bond yields — and mortgage rates — higher.

Markets remain extremely sensitive to global headlines right now, which means rates can move quickly in either direction depending on new developments.

This is one of those markets where having a strong game plan matters more than trying to perfectly predict the next move.

Ask any parent. A lot can change in 9 months. Same story for mortgage rates. During that time, the average 30yr fixed rate dropped 0.65% only to move back up just as much as of the end of the week. Th...

05/08/2026

Mortgage rates moved lower this week after markets reacted to headlines surrounding a possible ceasefire agreement and falling oil prices.

Even a stronger-than-expected jobs report took a back seat to global events.

A reminder that rates are being driven by much more than just housing news right now.

Full weekly update linked below.

Wednesday ended up being the most interesting day of the week for rate movement thanks to headlines suggesting The U.S. and Iran were close to signing a one page memo to end the war.  Why a m...

05/01/2026

Mortgage rates moved higher this week after last week’s unusually calm stretch, with most of the volatility happening midweek before stabilizing again.

The shift was largely driven by global headlines and rising oil prices — a reminder of how closely rates are tied to broader market events right now.

By the end of the week, rates found a bit of a ceiling, but uncertainty remains.

This is one of those markets where being prepared matters more than trying to time the next move.

Loans

Last week's newsletter noted an exceptional lack of volatility, but this week ended up shifting gears in a noticeable way. Monday was actually an extension of last week's ultra-narrow range. It was...

04/30/2026

New episode is live 🎙️

I joined Declan Spring on The Mostly Real Estate Podcast to break down what’s really driving this market—and why mortgage rates feel unpredictable until you understand what’s happening behind the scenes.

We cover:
• Why rates move the way they do (and why that window in the 5s disappeared so quickly)
• The bigger forces shaping affordability—deficits, inflation, and market confidence
• Our approach to helping agents win, from fully underwritten pre-approvals to hands-on deal support
• How to stay valuable to clients when the headlines keep changing
• AI, trust, and why your brand is becoming your biggest advantage

If you want to understand this market and how to compete in it, this is worth the listen.

🎧 Check it out: bit.ly/42w8ogd

04/29/2026

Listing agents — the strength of a buyer's financing matters just as much as their offer price.

Before you accept, make sure the lender behind that preapproval has actually done the work. These 10 questions will tell you everything you need to know.

Download the full checklist at winningwithfmz.com

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