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Kris Anderson, Mortgage Broker NMLS #236256

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Kris Anderson, Mortgage Broker NMLS #236256

Providing low rate, hassle free mortgages for buying or refinancing a home throughout California. Now at Ryan Mortgage Company

NMLS # 236256 DRE #01040787
Ryan Mortgage Company NMLS #323255

06/08/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗝𝘂𝗻𝗲 𝟴, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Rates moved higher last week, with the biggest moves coming on Friday in reaction to much stronger than expected jobs data. The jobs report smashed expectations, with more than twice as many new jobs created as forecast. The strong labor market makes it even more likely that the Fed will raise its policy rate this year to fight inflation.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
After last week's early headlines that Iran could be pulling out of peace talks proved to be inaccurate, there was still no meaningful progress toward a deal. Rates will continue to move alongside oil prices, as well as be affected this week by both consumer and wholesale inflation reports and continued headlines coming out of the Middle East.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
• The Middle East: Despite talks dragging on, mortgage rates are still likely to move along with headlines about any progress toward a deal that could reopen the Strait of Hormuz to commercial shipping traffic.
• Economic data: Inflation is bad for rates, pushing them higher, and we could see rates react to both consumer and wholesale inflation data this week if they show inflation continues to increase.

06/03/2026

𝗪𝗵𝗮𝘁 𝘆𝗼𝘂𝗿 𝗯𝗮𝗻𝗸 𝗵𝗼𝗽𝗲𝘀 𝘆𝗼𝘂 𝗻𝗲𝘃𝗲𝗿 𝗹𝗲𝗮𝗿𝗻 👀

Making extra payments on your mortgage can potentially save you a LOT of money.

Here’s why:

👉 Every extra dollar you pay toward the 𝗽𝗿𝗶𝗻𝗰𝗶𝗽𝗮𝗹 lowers the amount you owe.

That means:
✅ Less interest paid over time
✅ More equity in your home
✅ A faster path to owning your house outright

A few things to remember:

👉 The sooner you make extra payments, the more they help.

👉 Small extra payments add up. You don’t have to wait until you can make a huge one.

👉 Ask your loan servicer to apply extra money to 𝗽𝗿𝗶𝗻𝗰𝗶𝗽𝗮𝗹 𝗼𝗻𝗹𝘆.

Even one extra payment each year can make a big difference over the life of your loan.

Save this post for later and send it to someone who owns a home. 👇

06/01/2026

The Rotary Club of Santa Rosa’s next meeting is Wednesday, June 3, 2026. We meet at the Iron and Vine Restaurant at the Bennett Valley Golf Course, 3330 Yulupa Avenue, Santa Rosa. Lunch starts at 12:00 and the program begins at 12:30. This week:

Public Safety Award Program hosted by Craig Meltzner

Annually we look forward to our Rotary Club Public Safety Awards program, initiated by our late Club member Lee Abramson during the Club presidency of Stephen Olson.

The program was subsequently named the Lee Abramson Public Service Award in his honor. Since 1995 we have annually recognized the outstanding City of Santa Rosa firefighter and police officer and, more recently County Sheriff’s officer, for their contributions to keep our communities safe.

This year we will honor Nathan Dilly with the award presented by Fire Chief Scott Westrope; Police Officer John Crespan, award presented by Police Chief John Cregan; and Lieutenant Brent Kidder, presented by Sheriff Eddie Engram.

Upcoming Meetings:
Wednesday June 3: Public Safety Awards Program
Wednesday June 10: Strategic Planning
Wednesday June 17: Making The Press Democrat Even Better
Wednesday June 24: President Julia on her year as President
Wednesday July 1: Peter’s Vision of His Year as President
Wednesday July 8: Kris Anderson tells us about her trip to India

Upcoming Board Meetings, Club Socials and Fund Raisers
Tuesday, June 2: Club board meeting, 4:00pm at the YMCA
Monday, June 8: Foundation Board meeting at Anderson Zeigler 3:00pm
Saturday, June 27: The Giro Bello Bike Ride
Tuesday, July 7: Club Board meeting, 4:00pm at the YMCA
Thursday, July 16: International Committee meeting at Jim Green’s House 7:00pm
Saturday, July 25: President Julia’s Debunking at Jim Green’s house
Monday, July 27: Foundation Board meeting at Anderson Ziegler, 3:00pm

Upcoming District/International Events
June 13 – 17, 2026: Rotary International Convention in Taipei
May 7-9, 2027: District Conference “Lakeside Jam” at Konocti Harbor Resort

Polio Vaccination Trips to India
https://worldpolioday.agratajmahalrotary.org/default.aspx October 2026
https://polionid.agratajmajmahalrotary.org/default.aspx March 2027
These is the same trips that Kris Anderson went on in March this year. Click on the links for the details. Kris can tell you more.

WE ARE ONE BUSY AND AMAZING ROTARY CLUB! COME JOIN US!

06/01/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗝𝘂𝗻𝗲 𝟭, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗹𝗼𝘄𝗲𝗿 👍
Rates fell for a second straight week, although the improvement was modest as peace talks with Iran continued to drag on without a final resolution. All other factors continued to take a back seat, with mortgage rates reacting almost solely to events in the Middle East.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
Rates will continue reacting to headlines about a potential peace deal with Iran, and that news was already volatile this morning. Unconfirmed reports that Iran may walk away from negotiations and fully block the Strait of Hormuz pushed mortgage rates higher to start the week. With markets closely tracking developments in the Middle East, rates will likely remain difficult to predict this week.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
• The Middle East: Mortgage rates will continue to react to headlines about peace deal negotiations. When oil prices fall, rates tend to improve. When oil prices rise, rates tend to move higher. Expect some day-to-day volatility, and even changes during the day, as markets respond to new developments.
• Economic data: Although this is a big week for labor market data, it is unlikely the data will have as much impact on mortgage rates as usual.

05/27/2026

When you’re self-employed...

The income you show on your taxes matters, not just what you make in real life.

Writing everything off can lower your tax bill…
…but it can also limit your buying power when it’s time to get a mortgage.

This is why planning before you’re house hunting makes such a difference.
If you’re self-employed and considering buying, I'd be happy to discuss what mortgage professionals actually look at. So you can plan for it.

05/26/2026

The Rotary Club of Santa Rosa’s next meeting is Wednesday, May 27, 2026. We meet at the Iron and Vine Restaurant at the Bennett Valley Golf Course, 3330 Yulupa Avenue, Santa Rosa. Lunch starts at 12:00 and the program begins at 12:30. This week:

Sonoma County YWCA: Story and Vision
Madeleine Keegan O’Connell, CEO of the Sonoma County YWCA, will be sharing the story of the YWCA, the works they are doing in our community and the vision for their future.

Upcoming Meetings:
Wednesday June 3: Public Safety Awards Program
Wednesday June 10: Strategic Planning
Wednesday June 17: To Be Determined
Wednesday June 24: President Julia on her year as President
Wednesday July 1: Peter’s Vision of His Year as President
Wednesday July 8: Kris Anderson tells us about her trip to India

Upcoming Board Meetings, Club Socials and Fund Raisers
Saturday May 31: Party at the Gospe’s to celebrate Lucia’s year with us!
Tuesday, June 2: Club board meeting, 4:00pm at the YMCA
Monday, June 8: Foundation Board meeting at Anderson Zeigler 3:00pm
Saturday, June 27: The Giro Bello Bike Ride
Thursday, July 16: International Committee meeting at Jim Green’s House 7:00pm
Saturday, July 25: President Julia’s Debunking at Jim Green’s house

Upcoming District/International Events
May 30: Petaluma Rotary Wiffle Ball Tournament
June 13 – 17, 2026: Rotary International Convention in Taipei
May 7-9, 2027: District Conference “Lakeside Jam” at Konocti Harbor Resort

Polio Vaccination Trips to India
https://worldpolioday.agratajmahalrotary.org/default.aspx October 2026
https://polionid.agratajmajmahalrotary.org/default.aspx March 2027
These is the same trips that Kris Anderson went on in March this year. Click on the links for the details. Kris can tell you more.

WE ARE ONE BUSY AND AMAZING ROTARY CLUB! COME JOIN US!

05/26/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗠𝗮𝘆 𝟮𝟱, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗹𝗼𝘄𝗲𝗿 👍
Rates pushed to the highest levels this year on Tuesday, but then moved lower after news broke that negotiations with Iran were progressing.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗰𝗼𝗻𝘁𝗶𝗻𝘂𝗲 𝘁𝗼 𝗶𝗺𝗽𝗿𝗼𝘃𝗲 👍
Rates will continue to track oil prices and follow headlines about a deal with Iran that could reopen the Strait of Hormuz. Minor military skirmishes aren’t likely to hurt rates as long as they don’t derail negotiations, but if the ceasefire were to end, we would see rates jump.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
• The Middle East: Peace talks continue with Iran, albeit slowly, as both sides push for concessions and compromises. The Strait of Hormuz remains closed to commercial traffic, and we are not likely to see mortgage rates move significantly lower from here until it reopens, though we could see modest improvement from recent highs.
• The Fed: Markets expect the Fed will be unable to cut rates this year and may even have to hike, as inflation continues to worry investors and traders.
• Economic data: It's a holiday-shortened week, but Thursday brings a few reports, including some inflation data. However, they shouldn’t cause any big moves in rates.

05/20/2026

🏡 You got the keys… now what?

Most people focus on moving boxes in.
But the first 24–48 hours in your new home can save you from expensive problems later.

Here are a few things every new homeowner should do ASAP👇

🔐 Change the locks
You never know who still has an old key.

🧼 Deep clean before unpacking
Way easier before furniture fills the rooms.

🚰 Find your main water shut-off valve
If a pipe ever bursts, this matters FAST.

🚨 Test smoke & CO detectors
A quick battery check can protect your family.

📂 Start a “home binder.”
Keep warranties, paint colors, appliance info, and repair receipts all in one place.

💰 Build a small home maintenance fund
Because eventually… something will break.

Buying a home is exciting, but knowing how to take care of it is what helps you feel confident in it.

Thinking about buying soon? Send me a DM, and I’ll help you with the process or answer any questions you have.

05/18/2026

The Rotary Club of Santa Rosa’s next meeting is Wednesday, May 20, 2026. We meet at the Iron and Vine Restaurant at the Bennett Valley Golf Course, 3330 Yulupa Avenue, Santa Rosa. Lunch starts at 12:00 and the program begins at 12:30. This week:

Cruise Line Wine Adventures

Peg Melnick – Wine Educator for cruise lines will discuss her adventures of working on cruise ships as she presents seminars on wine in the various regions throughout Europe.

Upcoming Meetings:
Wednesday May 27: Sonoma County YMCA Story & Vision
Wednesday June 3: Public Safety Awards Program
Wednesday June 10: Strategic Planning
Wednesday June 17:
Wednesday June 24: Kris Anderson’s Polio Vaccination, Trip to India
Wednesday July 1: Peter’s Vision of His Year as President

Upcoming Board Meetings, Club Socials and Fund Raisers
Saturday May 31: Party at the Gospe’s to celebrate Lucia’s year with us!
Tuesday, June 2: Club board meeting, 4:00pm at the YMCA
Monday, June 8: Foundation Board meeting at Anderson Zeigler 3:00pm (No meeting in June)
Thursday, June 11: International Committee meeting at Jim Green’s house at 7:00
Saturday, June 27: The Giro Bello Bike Ride
Saturday, July 25: President Julia’s Debunking at Jim Green’s house

Upcoming District/International Events
May 30: Petaluma Rotary Wiffle Ball Tournament
June 13 – 17, 2026: Rotary International Convention in Taipei
May 7-9, 2027: District Conference “Lakeside Jam” at Konocti Harbor Resort

WE ARE ONE BUSY AND AMAZING ROTARY CLUB! COME JOIN US!

05/18/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗠𝗮𝘆 𝟭𝟴, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Rates moved higher last week, reflecting global market concerns about persistently high oil and energy costs and rising wholesale and consumer inflation. Although not yet reflected in mainstream media, mortgage rates ended the week averaging the highest levels of the year.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗺𝗼𝘃𝗲 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Rates are likely to move higher this week, and in the foreseeable future, unless a peaceful resolution is reached with Iran that reopens the Strait of Hormuz. The longer this drags on, the worse it could get for mortgage rates from here.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
• The Middle East: Peace talks continue with Iran, albeit slowly, as both sides push for concessions and compromises. The Strait of Hormuz remains closed to commercial traffic, and we are not likely to see mortgage rates move much lower from here until it reopens.
• The Fed: Although newly confirmed Fed Chair Kevin Warsh replaced Jerome Powell and was expected to help lower the Fed's policy rate, markets now see a rate hike this year as more likely than any cuts due to rising inflation and a resilient labor market.
• Economic data: There is little data that will affect rates this week.

Address

Ryan Mortgage Company, 2129 Fourth Street
Santa Rosa, CA
95404

Opening Hours

Monday	8am - 5pm
Tuesday	8am - 8pm
Wednesday	8am - 8pm
Thursday	8am - 5pm
Friday	8am - 8pm

Website

https://www.krisanderson.net/, https://krisandersonmortgage.com/

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