Marco Lopez - First Coast Mortgage

03/02/2026

📉 Bond Market Update, What It Means for You

Bonds sold off Monday, and headlines quickly blamed geopolitics and rising oil prices. The simple theory, higher oil = higher inflation = higher rates.

But here’s the reality 👇

This move was largely technical. Bonds were a bit overbought at month-end and due for a reset. The 10-year moved back above 4%, closing around 4.04%. In the big picture, that’s not a crisis… it’s a recalibration.

📊 What This Means for Buyers
• Rates are still in a workable range
• Inventory is stronger than the last few years
• Sellers are negotiating

That combination = opportunity.

🏡 What This Means for Homeowners
Even small rate improvements can create real monthly savings. A quick refinance review could mean hundreds per month back in your pocket.

🔎 Big Picture
This isn’t panic territory.
This is positioning territory.

If upcoming economic data cools inflation expectations, rates could stabilize or improve. The buyers and homeowners who win are the ones who are prepared before the shift.

If you’re thinking about buying or refinancing, now is the time to run the numbers and build a strategy 💼📈

02/25/2026

Got a surprise award from our great partner, United Wholesale Mortgage, today!

This small token means a lot to me.

I’ve never tried to be the loudest lender on social media. I don’t promote programs that don’t exist or advertise rates that aren’t truly available. That’s just not who I am.

I’ve remained the same quiet professional I was during my years in special operations, focused, disciplined, mission oriented.

Hard work. Integrity. Elite service.

Those are the pillars I built my career on, and they are the same standards I bring to every client and every loan file.

Recognition is appreciated, but what matters most is continuing to serve families with honesty and precision every single day.

Grateful for strong partnerships and even more grateful for the clients who trust me with one of the biggest financial decisions of their lives.

01/13/2026

📊 CPI Update – Encouraging Signals, Steady Progress

Today’s CPI report came in slightly better than expected, reinforcing the idea that inflation continues to cool, without throwing any surprises into the market.

• Core CPI (MoM): 0.2% vs. 0.3% expected
• Core CPI (YoY): 2.6% vs. 2.7% expected
• Headline inflation: Unchanged from last month

While the unrounded data was close to forecasts, the bigger takeaway is confirmation: inflation remains under control and roughly in line with where we were before data collection became distorted around the shutdown.

📉 What markets liked:
Bonds are trading stronger than they were before the report, and although gains have been modest and choppy, the tone is constructive. Stability like this is often what allows opportunities to quietly open up for borrowers.

💡 Why this matters for you:
Periods of steady inflation and improving bond sentiment are often when smart planning pays off—whether that’s refinancing, preparing for a purchase, or positioning ahead of future rate moves.

If you’d like to understand where rates are today, what options you have, or how to save, feel free to reach out. A quick conversation can make a meaningful difference.

Marco Lopez

12/18/2025

📉 Big Inflation Win This Morning

We got some very encouraging inflation news today.

Core CPI (year-over-year) came in at 2.6%, well below expectations:
➡️ Forecast: 3.0%
➡️ Previous: 3.0%

This is the lowest core inflation reading of the entire cycle and the first real sign that inflation may finally be breaking out of the stubborn range that’s kept interest rates higher for longer.

Bond markets are reacting positively (though cautiously), which is good news for interest rates and mortgages. Some of the muted reaction could be due to post-shutdown data concerns or typical year-end market positioning — but the data itself was better than anyone expected.

⚠️ Worth noting: there’s no month-over-month CPI data in this release, so markets are focused strictly on the annual trend.

Bottom line:
Inflation is moving in the right direction, which helps create opportunities for buyers, homeowners considering a refinance, and anyone watching rates closely.

If you’ve been waiting on the sidelines, this is a data point worth paying attention to.

05/01/2025

Extending Overnight Gains on Jobless Claims Data
Jobless Claims
- 241k vs 224k f'cast, 223k prev
Continued Claims
- 1916k vs 1860k f'cast, 1833k prev
Pretty simple one here. Bonds were a hair stronger overnight and are adding to the gains after this data. MBS are up just over an eighth and 10yr yields are down 3.5bps at 4.126.

Jobless Claims 241k vs 224k f'cast, 223k prev Continued Claims 1916k vs 1860k f'cast, 1833k prev Pretty simple one here.  Bonds were a hair stronger overnight and ...

12/31/2024

One last closing to wrap up the year! On to 2025!

10/31/2024

Happy Halloween to my clients! Two loans CTC on this busy holiday! I hope everyone has a great Halloween!

07/15/2024

Had the privilege of lecturing at South University this morning. It was a great opportunity to teach future Doctors of Pharmacy the process of home buying. Hopefully they will feel more comfortable when purchasing their next home.

07/01/2024

Thanks Patrick Donovan for creating this awesome and informative video! If anybody has any questions about purchasing a home please reach out to Patrick and myself.

Welcome back to the channel! I'm Patrick Donovan, your trusted Realtor, and today we have a very special guest, Marco Lopez from Coastal Custom Mortgage. 🎉I...

03/20/2024

Main takeaway: Fed still sees 3 cuts in 2024 2025 = 3.125 vs 3.625 previously Longer run now UP 2.625 vs 2.5 prev Bonds initial reaction has been slightly stronger with 10yr yields down 3....

03/08/2024

Had a great time today with great people for a great cause!

He a great time playing the realtor disaster relief fund golf tournament at with thanks for having us