Faramarz Moeen-Ziai - FMZ Loans

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

Equal Housing Lender | Company NMLS #2563307

04/24/2026

Mortgage rates were unusually quiet this week, holding in an extremely tight range. That kind of calm doesn’t happen often — and historically, it tends to come before bigger movement.

Right now, the market is essentially waiting on the next major headline, especially around global events and inflation signals. Once that direction becomes clearer, rates are likely to follow.

If you’re working with buyers, this is one of those moments where preparation matters more than timing.

If there were a movie about mortgage rates, this week would be the part where they say "it's quiet... almost TOO quiet." Case in point: MND's daily mortgage rate index has held inside a range of 0.04%...

01/17/2026

5.0 star review received on Experience.com for Faramarz Moeen-Ziai by Leif M - Great experience

Click to see all 278 reviews of Faramarz Moeen-Ziai at CrossCountry Mortgage, VP, Mortgage Advisor | NMLS #342090

01/13/2026

5.0 star review received on Experience.com for Faramarz Moeen-Ziai by Scott K - FM and the whole team were awesome and made the process of getting a mortgage super easy.
thanks!

Click to see all 277 reviews of Faramarz Moeen-Ziai at CrossCountry Mortgage, VP, Mortgage Advisor | NMLS #342090

12/25/2025

5.0 star review received on Experience.com for Faramarz Moeen-Ziai by Mahnaz F - You Were amazing by taking initiative to ensure the deal went through. You made it happen!

Click to see all 276 reviews of Faramarz Moeen-Ziai at CrossCountry Mortgage, VP, Mortgage Advisor | NMLS #342090