Mike Bass, Loan Officer

Mike Bass, Loan Officer 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.

Helping Local People Finance Their Dream Homes | Providing opportunities for low rates, hassle free mortgages for buying or refinancing a home throughout MD, VA, PA, DC, & SC 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.

This is normal, right?You find the perfect house online.You schedule a showing.You fall in love.Then you start looking f...
06/10/2026

This is normal, right?

You find the perfect house online.
You schedule a showing.
You fall in love.

Then you start looking for a mortgage.

The problem?

❌ You might find out the house costs more than you can afford.

❌ You could miss out on loan programs or down payment assistance that could save you thousands.

❌ You may not know what monthly payment actually fits your budget.

❌ And while you're figuring all that out, another buyer who's already pre-approved may submit an offer first.

Getting pre-approved before you start house hunting doesn't mean you're committing to buy a home.

It simply helps you with:
✔️ How much home can you afford
✔️ Have more people take you seriously
✔️ How much money can you save

The best first step in buying a home isn't finding a house.

It's finding out what you can buy before you start shopping.
Reach out to me or send me a message if you want to start looking around or have any questions.

06/10/2026

The best mortgage experience does not come from pressure. It comes from trust.

I answer fast, explain the details, and help protect the deal 🤝 from preapproval to closing. The business follows when people know they are taken care of.

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗝𝘂𝗻𝗲 𝟴, 𝟮𝟬𝟮𝟲𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗵𝗶𝗴𝗵𝗲𝗿 👎Rates moved higher last week, with th...
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.

06/05/2026

The 20% down myth keeps way too many people renting longer than they need to. 🏠

Some buyers qualify with 3% down. Some qualify for 0% down programs. Some are closer than they think, but never ask the question. Before you count yourself out, find out where you actually stand.

Message me and we’ll look at your options.

06/04/2026

Buying a home in 2008 and buying a home today are two completely different games. That’s why real guidance matters. 💡
The buyers winning today are the ones learning from people who understand current lending programs, affordability strategies, and today’s market conditions, not just past experiences.

The market evolves. Your strategy should too.

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. 👇

06/03/2026

The biggest shift in this market is not just the rate. It is being ready when the right opportunity shows up. 🏡

Know your numbers. Know your options. Move with confidence.

Connect with me to see where you stand.

06/02/2026

Mortgage headlines are moving fast, but your plan should not be based on panic. 📊
Rates can shift up or down depending on the market, inflation, and economic news, which is why “waiting for the perfect rate” can get confusing fast.

The smarter move? Know your numbers, understand your options, and build a mortgage plan that fits your actual goals.

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗝𝘂𝗻𝗲 𝟭, 𝟮𝟬𝟮𝟲𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗹𝗼𝘄𝗲𝗿 👍Rates fell for a second straight week,...
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.

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2568 A Riva Road, Annapolis MD
Severna Park, MD
21401

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