Kristopher Matyas - The Mortgage Rebel

10/31/2026

Can you actually get a mortgage on a haunted house? Short answer: yes. Lenders underwrite value and credit, not ghosts. But Utah law on stigmatized homes has a twist most buyers don't know, and the real risk isn't the haunting. I broke it down, with a few of Utah's most famous haunted spots for fun: https://mortgage-rebel.com/can-you-get-a-mortgage-on-a-haunted-house/

10/30/2026

A big congratulations to Bailey Creek on her closing!

There's something special about helping a repeat client, especially when they're starting a new chapter in life.

Bailey, thank you once again for putting your trust in me. It's been a pleasure working with you, and I'm excited to see what this next chapter has in store for you!

Here's to fresh starts, new beginnings, and making new memories in your new home!

10/29/2026

The Fed held rates yesterday — and mortgage rates went up anyway. The vote was 10–2, and both dissenters actually wanted a hike, which tells you December is the meeting that matters. Don't wait on the Fed to save you — let me run some numbers for you instead.

www.mortgage-rebel.com

10/26/2026

Trump signed a housing executive order this week.

Here's the honest version: mortgage insurance relief is coming for new loans, refinances get a little cheaper, and the one thing that would've actually helped cash-out refis? Didn't happen.

Want to run your numbers? Call or text me at 801-638-0507. You can also reach Mia, my assistant, anytime — she answers questions 24/7, and anything she can't answer, she'll get you scheduled with me so I can: 801-872-7459.

Kris Matyas, The Mortgage Rebel. NMLS #864775

10/25/2026

Trump just signed a housing executive order. Everybody's hyping it up. Here's what it actually does, and what it doesn't:

1. Mortgage insurance relief. Fannie and Freddie will proactively cancel your mortgage insurance once you hit the equity mark at your home's current value. No more begging your servicer. Fine print: new loans only. Already have your loan? This one isn't for you.
2. Refinances get cheaper. The title insurance waiver is permanent now! That's one closing cost gone for good. Real savings, not life-changing, but real savings!
3. Cash-out refis got skipped. Hoping to tap your equity, pay off the cards, and breathe easier heading into the holidays? FHFA didn't touch it. That little ding on your rate for pulling cash out is still there. (Not the Christmas present we were hoping for.)
4. Veterans: the VA rate cut only covers VA direct loans, a very, very small loan program. Your regular VA loans? Nothing changes.

Bottom line: no guidelines changed today. This rolls out over months, not overnight. Don't let the hype make your decisions.

Want to run your numbers? Call or text me at 801-638-0507. You can also reach Mia, my assistant, anytime — she answers questions 24/7, and anything she can't answer, she'll get you scheduled with me so I can: 801-872-7459.

Kris Matyas, The Mortgage Rebel. NMLS #864775

10/23/2026

Utah's been a buyer's market nearly all of 2026.

Buyers: leverage is back — concessions, buydowns, negotiating room. Use it.

Sellers: the bidding-war days are over. Price it right or sit.

Full playbook for both sides.

Utah has been a buyer's market all through 2026 — here's how buyers and sellers can use the 69-day timeline to negotiate concessions and schedule pre-winter…

10/21/2026

Utah Veterans: Think you need perfect credit or a big down payment to buy a home?

Think again.

✅ $0 down options
✅ No monthly mortgage insurance
✅ Reuse your VA benefits

I broke it all down in my 2026 VA Home Loan No-BS Guide.

👇 Read it from a fellow veteran!

Can you buy a Utah home with $0 down in 2026? Yes. Army veteran Kris Matyas breaks down VA loan myths, credit scores, and the 2026 funding fee math.

10/15/2026

Great closings don't happen by accident!

There's a lot that goes on behind the scenes to get a mortgage from application to closing. From documents, underwriting conditions, deadlines, and about a hundred little details most buyers never see.

That's why I want to give a shoutout to MarShay, my processor!

She's a big part of keeping things moving and making sure our clients have a great experience.

I may be the person you call, but getting you to the closing table takes teamwork.

Appreciate you, MarShay!

10/13/2026

A Little Monday Perspective

You know what's funny about getting older?

In your 20s, you think you've got life all figured out.

In your 30s, you realize you didn't know s**t. 😂

In your 40s, you start figuring out what actually matters.

And by your 50s? You're just happy when you wake up and nothing hurts! 🤣

But here's the cool part about getting older...

You start caring less about impressing people and more about enjoying life. You realize that a good laugh, time with family, a little peace and quiet, and the simple things in life are worth more than most of the stuff you used to chase.

For me, one of those simple pleasures is winding down at night with a good book. It's my chance to unplug, relax, reflect on the day, and maybe learn something new along the way.

Life moves pretty damn fast. Sometimes you've gotta slow down long enough to actually enjoy it.

Getting older is mandatory. Growing wiser is optional.

Enjoy your evening.

10/07/2026

On Real Estate:

“I have a 3% mortgage. Why the hell would I refinance?”
Fair question. But if you’re carrying credit cards at 20%+, that 3% isn’t the only rate that matters.
HELOC vs. home equity loan vs. cash-out refi — I broke down the math. 👇

Compare a HELOC, home equity loan and cash-out refinance to see whether your home equity can help eliminate high-interest credit card debt.