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Rachel Guerrero, Loan Originator - NMLS # 899870

Home
United States
Scottsdale, AZ
Rachel Guerrero, Loan Originator - NMLS # 899870

Mortgage Loan Officer Licensed in Arizona, Montana, Ohio, Texas, and California 🏡
https://linktr.ee/Mrsmortgagemom
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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.

05/29/2025

New 5.0-star Review: "Rachel was so helpful! She was always available to help and everything was done in the timeline we were told. She helped my wife and I get into our dream home and we will forever be grateful!"

05/29/2025

New 5.0-star Review: "Rachel was the lender for the buyers on one of my listings and she did a fantastic job! Rachel reached out immediately after her clients’ offer was submitted to discuss their qualification and what could be expected from her and her team if their offer was accepted. This communication was important, as we were in a multiple offer situation, and our conversation helped my seller to feel confident in choosing her clients’ offer. Rachel provided constant updates throughout the transaction and did everything she promised, including closing it in 25 days. I look forward to working with her and her team again in the future!"

05/27/2025

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗠𝗮𝘆 𝟮𝟲, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝘄𝗼𝗿𝘀𝗲 👎
Mortgage rates moved higher last week, despite little economic data to give rates direction. Fed speakers continued to deliver a unified message that patience is paramount as the Fed waits to see how current tariff policy affects inflation and the economy.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗰𝗿𝗲𝗲𝗽 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Although the week is starting out with some early improvements for rates after the holiday weekend, it is unlikely that rates improve much from here. The flip side is that rates are also unlikely to make any big moves higher.

📈 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- The Fed: Markets will digest the minutes from the Fed's last meeting, and will be looking for signs that the Fed may be willing to cut rates in the second half of the year.
- Economic data: Consumers are more confident about the economy than last month's near 5-year low consumer confidence reading.
- Inflation: The Fed's favored gauge of inflation will be released on Friday, and is expected to show that inflation continues to move lower. However, concerns remain that prices may move higher soon as tariffs start to trickle down to the consumer level.

05/19/2025

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗠𝗮𝘆 𝟭𝟵, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝘄𝗼𝗿𝘀𝗲 👎
Mortgage rates actually crept to the highest levels midweek despite better than expected data showing inflation continues to cool. Rates rallied a bit to end the week, improving from the worst levels, but still ended the week slightly worse.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗰𝗿𝗲𝗲𝗽 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Rates moved higher throughout last Friday, and with a light week for economic data, we could see them continue to drift up. Markets have lowered expectations to just two Fed rate cuts this year and are feeling more upbeat about the economy thanks to new trade deal announcements. That optimism makes it unlikely mortgage rates will drop much, if at all, from here.

📈 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Fed speakers: There are a plethora of Fed officials that will be out speaking this week. Although they are unlikely to say much that will rattle markets and affect mortgage rates, it is possible markets will look to them for direction.
- Memorial Day: Markets will close early on Friday at 2pm ET and will be closed Monday. Most lenders will tend to price more conservatively on a holiday weekend, meaning rates may be slightly worse than they normally would be based on market conditions.

05/16/2025

New 5.0-star Review: "As a real estate broker, I highly recommend Rachel and her team. They are incredibly responsive, keep everyone in the loop the entire time, and are very knowledgable. You will not be disappointed!"

05/15/2025

New 5.0-star Review: "Working with Rachel and her team multiple times was an outstanding experience from start to finish. They were professional, responsive, and incredibly knowledgeable, making the entire mortgage process smooth. Rachel’s team went above and beyond to ensure everything stayed on track and kept everyone informed every step of the way. Highly recommend them to anyone looking for a trustworthy and efficient mortgage team!"

05/12/2025

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗠𝗮𝘆 𝟭𝟮, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘂𝗻𝗰𝗵𝗮𝗻𝗴𝗲𝗱 👍
Although rates did move slightly from day-to-day, the moves were small and mortgage rates ended the week basically unchanged. Rates did improve slightly after the Fed meeting, where the Fed left its policy rate unchanged and acknowledged uncertainty ahead, noting it’s keeping a close eye on both inflation and the labor market.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗰𝗿𝗲𝗲𝗽 𝗵𝗶𝗴𝗵𝗲𝗿 👎
This week has already seen mortgage rates react to news of a temporary trade deal with China, and will see rates react to inflation data and other lesser economic reports. Rates are unlikely to make any big moves higher or lower unless there is a big surprise in the inflation data, but rates may still end the week worse if traders continue to be concerned about inflation despite the new temporarily lowered tariffs on China.

📈 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Inflation: Both consumer and wholesale inflation data from April comes out early this week, and could cause mortgage rates to move in reaction.
- The Fed: Markets are starting to doubt that the Fed will need to cut rates this year more than previously expected to keep the economy and labor market from growing weaker, which is pressuring rates to start the week.

05/10/2025

New 5.0-star Review: "Rachel was amazing to work with through the real estate process for our mutual clients! She was extremely responsive and knowledgeable about even the toughest scenarios. I appreciate her hard work and dedication to make the transaction as smooth as possible for our clients! Thank you Rachel!"

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.

Address

15950 N 76th Street Ste 105
Scottsdale, AZ
85260

Opening Hours

Monday	8am - 6am
Tuesday	8am - 8pm
Wednesday	8am - 8pm
Thursday	8am - 8pm
Friday	8am - 8pm
Saturday	9am - 2pm
Sunday	9am - 6pm

Telephone

+14804304479

Website

https://linktr.ee/Mrsmortgagemom

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About Us

AZ- 0942007 | Movement Mortgage, LLC supports Equal Housing Opportunity. NMLS ID# 39179 (www.nmlsconsumeraccess.org) | 877-314-1499. Movement Mortgage, LLC is licensed by AZ # 0918544. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits. “Movement Mortgage” is a registered trademark of the Movement Mortgage, LLC, a Delaware limited liability company. 8024 Calvin Hall Rd, Indian Land, SC 29707.

6-7-1 disclosure: While it is Movement Mortgage’s goal to provide underwriting results within six hours of receiving an application, process loans in seven days, and close in one day, extenuating circumstances may cause delays outside of this window.

Rachel Guerrero, Loan Originator - NMLS # 899870

05/29/2025

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