What are the opening hours?

Monday 9am - 8pm Tuesday 9am - 8pm Wednesday 8am - 8pm Thursday 8am - 8pm Friday 8am - 8pm Saturday 10am - 6pm Sunday 10am - 6pm

Key Home Mortgage, Mortgage Brokers - NMLS 2033964

Home
United States
Santa Rosa Beach, FL
Key Home Mortgage, Mortgage Brokers - NMLS 2033964

Providing opportunities for low rates, hassle free mortgages for buying or refinancing a home throug

Consumer Complaint Link: https://www.sml.texas.gov/consumerinformation/tdsml_consumer_complaints.html

02/23/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗙𝗲𝗯𝗿𝘂𝗮𝗿𝘆 𝟮𝟯, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗿𝗲𝗺𝗮𝗶𝗻 𝗹𝗼𝘄 👍
Mortgage rates were basically unchanged last week, not even showing much movement on a day-to-day basis.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗿𝗲𝗺𝗮𝗶𝗻 𝗹𝗼𝘄 𝗯𝘂𝘁 𝘂𝗻𝗹𝗶𝗸𝗲𝗹𝘆 𝘁𝗼 𝗶𝗺𝗽𝗿𝗼𝘃𝗲 👍
Rates are not likely to make any significant improvement from here unless something unexpected occurs. With little in the way of economic data or other fundamental events to help improve mortgage bond prices, the basis for mortgage rates, it is unlikely we see rates move much lower. On the flip side, it is also unlikely that rates will creep higher. Any moves we do see this week should be small.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Economic data: There are only a couple of weekly labor reports on the calendar this week, along with wholesale inflation data on Friday. None of these are likely to have much effect on mortgage rates.
- The Fed: Normally the outlook for potential Fed rate cuts plays a role in mortgage rates, but markets are currently not expecting a rate cut until June at the earliest, and even that is only a coin-flip proposition according to markets.

02/18/2026

Rent can feel cheaper right now, but rent usually goes up.

A mortgage payment stays steadier.

Each payment builds equity, and your home may go up in value.

Owning has repairs.
Renting has rent hikes, moving, and no control.

In 30 years you can own a home.
In 30 years of renting, you don’t.

02/16/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗙𝗲𝗯𝗿𝘂𝗮𝗿𝘆 𝟭𝟲, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝗱 👍
Mortgage rates moved slightly lower this week, helped along by inflation that fell to a nearly five-year low. Rates were surprisingly unaffected by the jobs data, which came in showing a more resilient labor market than expected.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗶𝗺𝗽𝗿𝗼𝘃𝗲 👍
Rates could continue to make some small gains this week if economic data comes in showing a cooler economy and if the current momentum continues that has helped bond yields fall. Rates don't appear to have much room to move lower, though. On the flip side, if rates do move higher, it won't be much.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Presidents Day: Markets are closed Monday for the holiday, making Tuesday a possibly more volatile day for rates as trading resumes.
- Economic data: This week has another inflation report, as well as some smaller economic reports through the week. There’s nothing on the calendar that should cause any big moves or make any particular day more likely to see movement in mortgage rates.
- Fed minutes: Minutes from the Fed's last meeting will be released this week, but shouldn't cause any concerns among investors that would affect mortgage rates.

02/11/2026

🏡 Looking at homes without a pre-approval is like trying to run a race without being signed up.

You can still tour homes.
You can still like a house.
But when it’s time to make an offer, other buyers are already prepared.

Getting pre-approved helps you move faster when it matters.
Sellers tend to take these offers more seriously.
And you avoid last-minute surprises.

It doesn’t change the market.
It just helps you be ready when the right home shows up.

If you want to talk about getting pre-approved, feel free to reach out.

02/09/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗙𝗲𝗯𝗿𝘂𝗮𝗿𝘆 𝟵, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘀𝘁𝗶𝗹𝗹 𝗹𝗼𝘄 👍
Mortgage rates were slightly worse in the early part of the week, before improving after Thursday's jobs data showed a softening labor market, opening the door ever so slightly to the possibility of a Fed rate cut in the first half of the year. Rates improved to end the week basically unchanged.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗶𝗺𝗽𝗿𝗼𝘃𝗲 👍
Markets will once again be watching labor data after last week's BLS jobs report was delayed due to the partial government shutdown. Rates could end the week improved depending on how the labor data and consumer inflation data come in this week.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Labor market data: Last week’s BLS jobs report was delayed until this Wednesday, which could give mortgage rates a chance to improve. Markets reacted strongly to last week’s data, so if this report shows weakness, rates could once again improve, although we aren't likely to see a big drop in rates.
- Inflation data: Consumer inflation data will be released on Friday, and any sign that inflation is continuing to fall could help rates improve. Although it is possible inflation may not drop much, it is unlikely that it will move higher, which could pressure rates.

02/04/2026

Don’t let 𝘯𝘰𝘵 getting pre-approved cost you your dream home.

Why does being pre-approved matter? 🤔

👉 A pre-approval means you’ve already shared your income, assets, and credit with a lender to determine exactly how much you could qualify for.
In many cases, this can make your offer stronger and help you stand out in a competitive situation.

On the other hand…
If you fall in love with a home without being pre-approved beforehand, you’re often several steps behind another buyer, and sellers may not take your offer as seriously.

Ready to start the process and get pre-approved?
Give me a call or send me a message. I’m happy to work with you to figure out what you could qualify for based on your situation and where you are in the home buying process.

The conversation is completely free, my goal is to help you make the best move when the time is right. 🏡👍

02/02/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗙𝗲𝗯𝗿𝘂𝗮𝗿𝘆 𝟮, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘀𝘁𝗶𝗹𝗹 𝗹𝗼𝘄 👍
Mortgage rates stayed low last week but didn’t move any lower. With the Fed holding policy rates steady and no surprises from the meeting or Fed Chair Powell's press conference, markets had little to react to, keeping mortgage rates stable through the week.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
Markets will be watching several labor market reports this week, but mortgage rates may not react as strongly as they usually do because there’s still a lot more data coming before the Fed meets again in March. Rates are likely to stay low, though probably not quite as low as they were a couple of weeks ago.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Labor market data: A number of labor market reports are coming out this week, including job openings, layoffs, private payrolls, and unemployment claims. The most important report will be Friday’s BLS jobs data, which includes unemployment, job growth, and wage information that could affect mortgage rates this week.
- Economic data: A few additional reports will be released this week that could cause small day-to-day changes in mortgage rates, but nothing that’s expected to push rates meaningfully higher or lower.

01/28/2026

The market is always moving, and waiting for the “perfect time” can quietly turn into missing a really good one.

Rates have been easing lately, and honestly, a lot of people haven’t even noticed yet.

If buying has been on your mind, this doesn’t have to be a big, scary decision. It can start as a simple conversation.

You don’t have to time the market. You just have to be ready when the moment feels right. If you want to potentially save big or take the first step. Now would be the time. Send me an email or a message, and let's talk.

I’m happy to help you get there 🏡☕

01/26/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗝𝗮𝗻𝘂𝗮𝗿𝘆 𝟮𝟲, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Mortgage rates jumped last week as markets reacted to two big developments. First, a bond selloff in Japan spilled into global bond markets. Second, rising geopolitical tensions driven by talk of the U.S. taking over Greenland and possible tariffs on European allies added more pressure. While tensions eased somewhat later in the week after a framework for a deal was announced, mortgage rates improved but remained elevated.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝘀𝘁𝗶𝗹𝗹 𝗹𝗼𝘄 👍
Although rates are higher than the recent lowest levels of the year, they remain lower than at almost any point last year. That’s likely to remain the case this week, although there could be some volatility following this week’s Fed meeting and press conference.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- The Fed: The Fed wraps up its meeting on Wednesday, and no policy rate changes are expected. The bigger question is what Fed Chair Powell says afterward, since his comments often cause rates to move as markets try to figure out what could come next.
- Economic data: There’s some data coming out this week that could move rates a little, but nothing that should cause concern about higher rates or meaningfully push rates lower.

01/21/2026

Buying a home with someone who “knows a guy” versus working with a mortgage professional often leads to very different outcomes. The difference usually shows up in the details, not always immediately, but as the process unfolds.

The biggest differences:

• 𝗢𝗽𝘁𝗶𝗼𝗻𝘀 𝗺𝗮𝘁𝘁𝗲𝗿 — a mortgage professional evaluates multiple programs and scenarios, rather than relying on a single lender’s default approach.
• 𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝘆 𝗼𝘃𝗲𝗿 𝗮𝘀𝘀𝘂𝗺𝗽𝘁𝗶𝗼𝗻𝘀 — down payment structure, credits, and timing can meaningfully affect monthly payments.
• 𝗙𝗲𝘄𝗲𝗿 𝗹𝗮𝘀𝘁-𝗺𝗶𝗻𝘂𝘁𝗲 𝗶𝘀𝘀𝘂𝗲𝘀 — potential challenges are identified earlier in the process, not discovered just before closing.

Not to say your “guy” can’t be helpful, but when the numbers are this significant, and the stakes are high. Having a structured strategy tends to work more easily and smoothly.

If you want to look at potential savings and situations. Reach out to me.

01/19/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗝𝗮𝗻𝘂𝗮𝗿𝘆 𝟭𝟵, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗲𝗻𝗱𝗲𝗱 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝘄𝗼𝗿𝘀𝗲 👎
Mortgage rates hit their most favorable levels on Monday following news that Fannie Mae and Freddie Mac would buy $200 billion in mortgage bonds to help push rates lower. While rates crept up later in the week, they were still below where they were earlier in January.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
Mortgage rates could remain volatile this week as markets react to the rapidly escalating discussion around a potential U.S. move involving Greenland. Ongoing talk of tariffs and possible retaliation is making rate forecasting especially difficult.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Martin Luther King Jr. Day: With the bond market closed Monday for the holiday, mortgage rates are more likely to experience bigger swings when trading resumes on Tuesday.
- Economic data: There is not a lot of data this week, and what there is will take a back seat to the geopolitical issues.
- Geopolitical issues: Threats of new tariffs on European allies resisting a full U.S. takeover of Greenland, and the potential for retaliation, could drive bond market volatility and impact mortgage rates this week.

Address

495 Grand Boulevard Suite 206/307
Santa Rosa Beach, FL
32459

Opening Hours

Monday	9am - 8pm
Tuesday	9am - 8pm
Wednesday	8am - 8pm
Thursday	8am - 8pm
Friday	8am - 8pm
Saturday	10am - 6pm
Sunday	10am - 6pm

Telephone

+15126216201

Website

http://www.keyhomemortgage.com/

Alerts

Be the first to know and let us send you an email when Key Home Mortgage, Mortgage Brokers - NMLS 2033964 posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Address
Telephone
Opening Hours
Alerts
Contact The Business
Claim ownership or report listing

Want your business to be the top-listed Finance Company in Santa Rosa Beach?