Loan Sherpa - Clint Madison

09/03/2026

While everyone's been watching mortgage rates, there's another trend buyers shouldn't overlook...

Every fall, the housing market tends to shift.

More homes hit the market. Asking prices often soften. And sellers are usually more willing to negotiate.

Those seasonal changes happen almost every year – and they can make buying a little easier.

Let's talk about whether those same trends are showing up in your local market – and what it means for you.

08/29/2026

5.0 star review received on Experience.com for Clint Madison by Joshua H - Always an excellent experience

08/25/2026

Still waiting for mortgage rates and home prices to come down? Here’s what the forecasts show. Expect more of the same. Rates likely won’t change much – and prices will likely rise. Sometimes the best move isn't waiting for the market to change. It's finding out what's possible right now. Let’s talk it over.

08/25/2026

Hoping for lower mortgage rates and lower home prices?

Forecasts show that’s probably not in the cards. At least, not right now.

Mortgage rates aren’t expected to capitulate. And at the same time, home prices should keep rising at about the same pace they have been.

While that may not be what you wanted to hear, it doesn’t mean you’re out of options.

The best move is rarely waiting for the market to change. It's almost always exploring what's still possible from where you stand right now.

Others are making it happen even with rates and prices where they are & I'd be willing to bet that you can too.

Let's talk if you want help thinking it over.

08/18/2026

The latest home price data just made one thing very clear.

More markets are seeing prices rise. And fewer are seeing them fall.

Just one quarter ago, home prices were rising in 71% of markets. Today, it's 80%. That’s a pretty big shift in just 3 months.

Now, that doesn't mean prices are climbing everywhere. But it does mean there’s no widespread crash happening. If anything, prices may have turned a corner.

Thinking about making a move? Send me a DM, and let's look at what's happening in your market before you decide what to do.

All these clickbait headlines you see about prices falling are almost always exactly that... clickbait... You click, they win - and unless they're talking about a very specific region, they care not if your life gets put on hold due to the fear they're mongering. Data is what matters, and the data clearly tells a different story.

08/18/2026

Still waiting for home prices to come down? Like I've been saying, that's proving more unlikely everyday. Home prices are now rising in 80% of housing markets. That’s up from 71% last quarter. In other words, more markets are seeing prices go up — not down. Before you put your plans on hold, let's look at what's happening in our market. Waiting may not save you as much as you hope.

08/12/2026

Mortgage rates aren’t random. They’re affected by 2 numbers.

The 10-year treasury yield and something called "the spread." That's the gap between the 10-year treasury yield and mortgage rates, and it usually sits around 1.76 percentage points.

Back in 2023, the gap in the spread ballooned up to 3.19 in response to economic uncertainty. If it were still that wide today, rates would be pushing almost 8%.

But the good news is the gap has narrowed to 2.01 (a lot closer to the long-term norm). And that’s a big positive for rates. It’s why today’s mortgage rate is in the upper 6s instead of touching 8%.

Here's the part a lot of people miss. Where rates are right now are already pretty close to what a totally normal spread would produce – a mortgage rate around 6.5%.

In other words, the fact that the spread has narrowed in recent years has helped mortgage rates. Sure, they’re still higher than you may want, but it could be worse.

Wondering if buying now still makes sense with rates like this? Send me a message and let's break it down.

08/11/2026

Picture it. A getaway that’s all yours, where you’ll build memories with your loved ones year after year. And maybe even retire someday.

A vacation home of your own might be more within reach than you think. Nearly 40% of vacation-home sellers have lowered their asking price recently.

That place you’re imagining? DM me, and let’s talk about how to make it happen.

08/07/2026

Some of today's buyers are waiting because they think mortgage rates will drop.

The problem? That's not what today's forecasts say is going to happen.

Experts believe mortgage rates will actually stay in the mid to low 6s through 2027 due to a number of factors – including inflation.

What’s that tell me? Waiting may not pay off the way you hope it will.

So, if moving is important to you, I want you to know waiting isn’t your only option.

There are numerous strategies worth exploring that could help with affordability right now.

I’m not saying you have to buy today, but you should at least know your options. Let's talk about what could work for you.

07/29/2026

5.0 star review received on Experience.com for Clint Madison by Michael C - Hey Clint! Thanks for helping me out again. You have been great! Good comunication.t Trustworthy. And I know I can count on you to help me through all the requirements. Again, thanks Clint. I really appreciate everything you did for me.

Click to see all 17 reviews of Clint Madison - The Loan Sherpa at Cornerstone First Mortgage LLC, Loan Officer