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Daniel Crowley, Mortgage Broker NMLS #245446

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Daniel Crowley, Mortgage Broker NMLS #245446

Providing opportunities for low rates, hassle free mortgages for buying or refinancing a home throughout Florida.

You've heard the horror stories...how hard it is to qualify, not to mention the fighting, shopping, and haggling to get a good rate.I've got great news...When you're ready, the next step in getting a low rate mortgage made easy is to contact me so we can review your unique situation and make sure that you get a low rate mortgage without the stress and hassle.

05/05/2025

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗠𝗮𝘆 𝟱, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘄𝗼𝗿𝘀𝗲 👎
Mortgage rates held steady early in the week but slipped on Friday after the BLS jobs report showed the labor market is still strong, making a June Fed rate cut look unlikely. Rates usually fall when the economy shows signs of weakness and rise when the data points to strength, as we saw last week.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗺𝗼𝘃𝗲 𝗵𝗶𝗴𝗵𝗲𝗿 👎
This week, mortgage rates will take their cues from the Fed meeting and Fed Chair Jerome Powell's press conference. Given the recent strength in economic and labor data, it is unlikely the Fed will say anything that helps rates improve, but it is still possible.

📈 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- The Fed: Mortgage rates are not directly set by the Fed, but they are heavily influenced by what the Fed does and says. Right now, markets are watching closely for any signs that the Fed may cut its policy rate in the future to support the economy as tariff-related slowdowns continue. Mortgage rates could be volatile around the Fed meeting and Chair Powell’s press conference.
- Trade Tensions: Markets have become less rattled by tariffs and trade war headlines lately, which has helped mortgage rates recover from the highs we saw a few weeks ago.

05/01/2025

🎶 “JUSTIN, WHEN’S THE BEST TIME TO BUY A HOUSE?”
🗣️ It’s gonna be MAY!

Alright, there really isn’t a “best” time to buy a house, but spring is heating up, rates are stabilizing, and homes are hitting the market like it’s 2000 all over again. (Pssst, that is an N’Sync joke 😜)

💥 Whether you're a first-time buyer or thinking about moving up, let’s chat before May gets away from you!

04/28/2025

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗔𝗽𝗿𝗶𝗹 𝟮𝟴, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝘄𝗼𝗿𝘀𝗲 👎
Mortgage rates spiked early last week but mostly recovered, ending just a bit higher. Even though markets had some big headlines to chew on, like more trade talk drama and a couple shaky economic reports, it wasn’t enough to push rates meaningfully higher or lower.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
There’s a decent chance mortgage rates creep up this week. Markets will be uneasy heading into a heavy week of jobs data, plus ongoing concerns over inflation aren't going away. Rates aren't wildly swinging (yet), but depending on headlines we could see mortgage rates move either higher or lower.

📈 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Jobs Report: There are a few different jobs reports this week, but the big monthly BLS jobs data drops Friday. Strong hiring or rising wages could push rates higher, but signs of a cooling job market could help rates dip.
- Trade Tensions: Ongoing trade battles and geopolitical drama are keeping markets edgy and mortgage rates sensitive to every headline.
- Stagflation Worries: Tariffs are starting to drive prices up, raising fears of stagflation (higher inflation and a weaker economy), which would be bad news for mortgage rates.

04/21/2025

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗔𝗽𝗿𝗶𝗹 𝟮𝟭, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝗱 👍
Mortgage rates moved lower last week, regaining some of the ground lost during the previous spike. Overall, markets were noticeably calmer and rates started strong early in the week but slipped on Thursday ahead of the long holiday weekend.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗺𝗼𝘃𝗲 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Mortgage rates are likely to remain volatile this week as markets react to ongoing tariff and trade war developments. There remains a risk that any new headlines or actions from the White House could cause rates to spike unexpectedly. Despite the volatility though, rates have not approached previous high levels of the year.

📈 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Firing the Fed: Concerns that President Trump may be seeking to remove Fed Chair Jerome Powell are shaking investor confidence in U.S. assets like stocks and bonds, adding pressure that could push mortgage rates higher.
- Tariffs and trade wars: Any news or new headlines about tariffs or the trade war with China could cause fast moves to rates, and could see rates move higher this week.
- Economic news: Economic reports this week could move mortgage rates, especially if they show signs of weakness or unexpected strength.

04/17/2025

🏠🐰👀 NO BUNNY KNOWS MORTGAGES LIKE I DO! 🤣

Whether you're looking to hop into a new home or refinance your current burrow, I've got you covered! 🐇🏡

Ready to hop on your mortgage journey? Text or call me today to hop to it! 📱🐰👍

🏠🐰👍

04/14/2025

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗔𝗽𝗿𝗶𝗹 𝟭𝟰, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Mortgage rates jumped last week as markets were thrown into turmoil over recently implemented tariffs, even ignoring better than expected inflation data. Not only did rates move drastically day-to-day, lenders often repriced through the day in response to big moves in mortgage backed securities and Treasuries.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗹𝗶𝗸𝗲𝗹𝘆 𝘁𝗼 𝗰𝗼𝗻𝘁𝗶𝗻𝘂𝗲 𝘁𝗼 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
Mortgage rates will be tough to predict this week as markets keep reacting to the latest tariff headlines and rumors. After last week’s spike, there’s a chance we see some improvement, but it’s far from guaranteed. In times like these, it’s more important than ever to stay in touch with your mortgage pro.

📈 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Tariffs: Any talk of pausing tariffs or implementing new tariffs will likely see mortgage rates shift depending on how markets react to the news.
- The Fed: Markets will be looking for any signs from speaking Fed members that the Fed will step in to help the economy and markets.
- Treasury yields: Although the 10yr Treasury is not the basis for mortgage rates, it does affect pricing for mortgage bonds and when the 10yr Treasury yield rises, mortgage rates often follow.

04/07/2025

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗔𝗽𝗿𝗶𝗹 𝟳, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝗱 👍
Mortgage rates improved last week as stocks plummeted and market concerns about a potential recession grew. Friday's jobs data came in mixed, showing more jobs were created in March than were forecast but unemployment ticked up from 4.1 to 4.2%. Overall a great week for rates, but on Friday we saw signs that the rate rally was losing steam.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
Rates are starting the week off moving slightly higher, giving back some of last week's gains. Markets will continue to react to the most current tariff headlines, including rumors, which could cause mortgage rates to whipsaw. There is no clear direction that rates will improve or get worse this week, it will all be reactionary.

📈 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Tariffs: The tariffs announced last week were much higher than markets had anticipated, which led stocks to sell off and traders to move money to safe havens including bonds, which helped mortgage rates improve. Any talk that tariffs will be paused or reduced could push rates higher this week.
- Inflation data: The CPI inflation report this week could see mortgage rates react to better or worse inflation than expected.

04/01/2025

😆 Happy April Fools' Day!
Yes, I love sending those preapproval texts... but no documents = no deal (yet)! 📝

If you're serious about buying a home this spring, let's get serious about your paperwork too.
Shoot me a message—let’s make that preapproval official! ✅🏡

03/31/2025

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗠𝗮𝗿𝗰𝗵 𝟯𝟭, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Although mortgage rates ended the week higher overall, there was reason to celebrate on Friday as the outlook improved significantly. After steadily climbing earlier in the week, rates fell on Friday amid growing market concerns over upcoming tariffs and labor market data.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
While early signs suggest mortgage rates may improve this week, that could change quickly depending on how markets respond to tariffs and labor market data. If rates do improve, we might see some of the lowest rates of the year. However, if sentiment shifts later in the week, it could push rates back to last week's highs.

📈 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Tariffs: Markets are growing increasingly concerned that tariffs expected to be implemented this week could lead to stagflation—a scenario where inflation rises while economic growth slows. As a result, investors are moving toward safer assets like bonds, which could help improve mortgage rates.
- Jobs data: This week brings reports on unemployment, job creation, and wages. Tuesday’s JOLTS report may impact rates, but Friday’s BLS jobs data is the key event and could drive mortgage rate volatility.

03/28/2025

🤔 𝗪𝗵𝘆 𝗻𝗼𝘁 𝘄𝗮𝗶𝘁 𝗳𝗼𝗿 𝗵𝗼𝗺𝗲 𝗽𝗿𝗶𝗰𝗲𝘀 𝘁𝗼 𝗱𝗿𝗼𝗽 𝗯𝗲𝗳𝗼𝗿𝗲 𝗯𝘂𝘆𝗶𝗻𝗴 𝗮 𝗵𝗼𝗺𝗲?
Because you might just be waiting... and waiting... and waiting.

👉 Remember when everyone said home prices would crash in 2022... 2023... 2024?
Yeah, about that. Prices have actually gone up—again and again.

🚨 𝗧𝗵𝗲 𝗴𝗼𝗼𝗱 𝗻𝗲𝘄𝘀 𝗶𝘀 𝘁𝗵𝗮𝘁 𝗡𝗢𝗪 𝗶𝘀 𝘀𝘁𝗶𝗹𝗹 𝗮 𝗴𝗿𝗲𝗮𝘁 𝘁𝗶𝗺𝗲 𝘁𝗼 𝗯𝘂𝘆 𝗮 𝗵𝗼𝗺𝗲! 🚨

If you’re holding out for 5% rates and cheaper home prices, you might be holding out forever. Right now, we’ve got steady mortgage rates and improving inventory—but it won’t stay this way for long.

𝗜𝗳 𝘆𝗼𝘂'𝗱 𝗹𝗶𝗸𝗲 𝘁𝗼 𝘁𝗮𝗹𝗸 𝗮𝗯𝗼𝘂𝘁 𝗴𝗲𝘁𝘁𝗶𝗻𝗴 𝗽𝗿𝗲𝗾𝘂𝗮𝗹𝗶𝗳𝗶𝗲𝗱 𝘁𝗼 𝗽𝘂𝗿𝗰𝗵𝗮𝘀𝗲 𝗮 𝗻𝗲𝘄 𝗵𝗼𝗺𝗲 𝗼𝗿 𝗳𝗶𝗻𝗱 𝗼𝘂𝘁 𝘄𝗵𝗮𝘁 𝘆𝗼𝘂 𝗰𝗮𝗻 𝗮𝗳𝗳𝗼𝗿𝗱, 𝗳𝗲𝗲𝗹 𝗳𝗿𝗲𝗲 𝘁𝗼 𝗿𝗲𝗮𝗰𝗵 𝗼𝘂𝘁 𝘁𝗼 𝗺𝗲 𝗮𝗻𝘆𝘁𝗶𝗺𝗲. I'm here to help and happy to answer any questions. 🙂

03/24/2025

𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗠𝗮𝗿𝗰𝗵 𝟮𝟰, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗦𝗹𝗶𝗴𝗵𝘁 𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝗺𝗲𝗻𝘁 👍
Mortgage rates did improve last week, although not by much. Rates started the week off a bit worse, but improved following the Fed meeting and Fed Chair Powell's press conference. The Fed kept its policy rate unchanged, but a majority of Fed members still forecast two policy rate cuts this year. Mortgage rates were helped by the Fed's outlook that the economy could be weaker this year than previously thought. A weak economy helps keep rates low or move them lower.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗺𝗼𝘃𝗲 𝗵𝗶𝗴𝗵𝗲𝗿 👎
After improving last week, we could see mortgage rates creep higher this week as concerns ease over tariffs taking effect in April. The Fed's favored gauge of inflation, the PCE price index, comes out on Friday and could help rates end the week. It is not likely we’ll see rates improve much, if at all, this week.

𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Economic data: Fourth quarter GDP data comes out Thursday, but it's Friday's PCE price index inflation data that will have the biggest influence over mortgage rates this week.
- Tariffs: Markets are optimistic that President Trump's tariffs taking effect April 2nd will be more targeted and less of a drag on the economy.

03/17/2025

🏠 If you've been thinking about buying a home, and wondering if you can afford it, we should talk!

Address

2000 Webber Street
Sarasota, FL
34239

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

Website

http://www.danielcrowleymortgage.com/

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