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of Financial Protection & Innovation under the California Residential Mortgage Lending Act.

10/15/2026

Rates opened the day looking rough and ended it a little better.

This morning's inflation report showed prices up 3.7% over the past year, compared to 3.4% before. That hit mortgage bonds, the investments that help set mortgage rates, and they fell as much as 63 basis points early on. Then stocks had their worst day in more than two months, money moved into bonds, and mortgage bonds closed up 6 basis points. When bonds rise, rates tend to ease.

In everyday terms, the 30-year fixed averaged 7.40% today, unchanged from a week ago. The conforming 30-year came in at 7.39%, down 0.04 from yesterday, and the 15-year fixed sat at 6.73%. A morning that looked rough turned into a much calmer finish.

Questions about your situation? Send me a message.

Derrick Bridgett · NMLS #307312
DB Mortgage Group powered by BFG · NMLS #181106
Derrick Bridgett | NMLS #307312 | DB Mortgage Group Powered by Barrett Financial Group, L.L.C. | NMLS #181106 | 2701 East Insight Way, Suite 150, Chandler, AZ 85286 | AL 22977 | AK181106 | CA 60DBO-46052 & 41DBO-148702 Licensed by Dept. of Financial Protection & Innovation under the California Residential Mortgage Lending Act. Loans made or arranged pursuant to a California Financing Law License. | FL MLD1880 | GA 181106 | IL MB.6761630 view reinvestment notice barrettfinancial.com/illinois-reinvestment | IN 181106 | IA 2021-0157 | KS MC.0025726 | LA | MD 181106 | MI fl0022342 | MS 181106 | MO | NC B-203722 | OH RM.804600.000 | TN 204577 | TX view complaint policy at www.barrettfinancial.com/texas-complaint | VA MC-7357 & MC-7357 | Equal Housing Opportunity | Equal Housing Lender | This is not a commitment to lend. All loans are subject to credit approval. | nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106

10/14/2026

🏡💜 **STOP WAITING ON RATES… START WINNING IN TODAY'S MARKET!** 🔑🔥

Everybody's waiting for mortgage rates to drop… but what if I told you **HIGHER RATES COULD ACTUALLY CREATE YOUR BIGGEST OPPORTUNITY TO BUY A HOME?** 👀💰

Here's what smart homebuyers understand that everyone else is missing! 👇🏾

💜 **1️⃣ LESS COMPETITION = MORE NEGOTIATING POWER!**

While everybody else is sitting on the sidelines waiting for rates to fall, YOU could be negotiating a better deal! Fewer bidding wars, more motivated sellers, and potential savings on closing costs and repairs!

💜 **2️⃣ DON'T JUST SHOP THE PRICE… SHOP THE PAYMENT!**

A lower purchase price isn't always the biggest win. Negotiating seller concessions to permanently buy down your interest rate could save you MORE on your monthly payment than a price reduction! 💵

💜 **3️⃣ MARRY THE HOUSE, DATE THE RATE!** 💍🏠

You can negotiate today's purchase price, and if interest rates drop in the future, refinancing may be an option. No guarantees, but buying strategically today could put you ahead of tomorrow's competition!

🚨 **HERE'S THE BOTTOM LINE:**

The goal isn't just to BUY a house. It's to buy a home with a payment that makes sense for YOUR budget while creating opportunities to build **GENERATIONAL WEALTH!** 💜

🏡 **STOP WAITING FOR THE PERFECT MARKET. LET'S CREATE THE PERFECT STRATEGY!**

📲 **COMMENT "PAYMENT" BELOW** or send me a DM, and let's see how much home your monthly budget can comfortably afford!

📞 **636-339-4755**
🌐 www.dbmortgagegroup.com

💜 **DB MORTGAGE GROUP**
*Your Home. Your Future. Our Mission.*

*Mortgage rates, refinancing opportunities, and seller concessions are subject to market conditions, loan eligibility, and program guidelines. Refinancing is not guaranteed and may involve additional costs. Equal Housing Lender.*

10/12/2026

🏡🔑 **TIRED OF RENTING? LET'S TURN THAT LEASE INTO KEYS!** 💜

💥 **YOUR LANDLORD HAS ENOUGH EQUITY… IT'S TIME TO START BUILDING YOUR OWN!**

Think homeownership is out of reach because of your credit score, income, or financial history? **THINK AGAIN!** 👀

At **DB Mortgage Group**, we believe your past shouldn't determine your future! Our **LEASE TO KEYS** program is designed to help renters take the next step toward homeownership! 🏠

🔥 **HERE'S WHY THIS PROGRAM IS A GAME CHANGER:**

✅ No minimum FICO score requirement
✅ As little as 3.5% down payment
✅ Debt-to-income ratios up to 60%
✅ Gift funds allowed
✅ Self-employed? We have options!
✅ Bank statements, 1099 & ITIN income considered
✅ Recent bankruptcy or tax liens? Let's talk!

🔑 **HOW DOES IT WORK?**

🏠 **STEP 1:** YOU find the home you love!

🤝 **STEP 2:** WE purchase the home on your behalf through our program!

🎉 **STEP 3:** YOU get the keys and begin your journey toward homeownership!

💜 **STOP PAYING SOMEONE ELSE'S MORTGAGE AND START INVESTING IN YOUR FUTURE!**

Your dream home might be closer than you think, and your credit score doesn't have to be the end of your story!

📲 **READY TO GO FROM RENTER TO HOMEOWNER?**

👇 Comment **"KEYS"** below or DM me **"LEASE TO KEYS"** and let's see what's possible!

📞 636-339-4755
📧 [email protected]
🌐 www.dbmortgagegroup.com

**DB Mortgage Group**
*Your Home. Your Future. Our Mission.* 💜

*Program eligibility, down payment, income documentation, and financing terms are subject to approval and applicable requirements. Not all applicants will qualify. Equal Housing Lender.*

10/10/2026

Market Update

10/08/2026

🏡💜 STOP NEGOTIATING THE PRICE… START NEGOTIATING THE PAYMENT! 💰🔥

🚨 HOMEBUYERS! What if I told you a $20,000 price reduction might NOT be your best deal? 👀

Everybody wants the seller to drop the price. But what if I showed you a strategy that could save you MORE money without reducing the purchase price by a single dollar?

💥 LET ME PUT YOU ON GAME!

🏠 OPTION A: THE PRICE DROP
✅ $400,000 home reduced to $380,000
✅ 7.5% interest rate
❌ Smaller mortgage, but you're still paying that higher rate!

💜 OPTION B: THE SMART MONEY MOVE
✅ $400,000 purchase price
✅ Negotiate $20,000 in seller concessions
✅ Use those concessions toward a PERMANENT rate buydown
✅ Illustrative rate drops from 7.5% to 5.5%!

💰 THE RESULT? Potentially lower monthly payments and HUGE interest savings over the life of your mortgage!

🔥 Here's the secret: The best deal isn't always the lowest PRICE. Sometimes it's the lowest PAYMENT!

And REALTORS® 🏡 — imagine showing your buyers how to make a home more affordable WITHOUT asking your sellers to slash their asking price!

That's how we get creative. That's how we negotiate. And that's how we WIN! 🏆

💜 At DB Mortgage Group, we don't just help people get mortgages. We help them understand how to make smarter homebuying decisions!

📲 DM me the word "BUYDOWN" and let's explore what this strategy could look like for YOU!

📞 636-339-4755

10/02/2026

🚨 **BREAKING NEWS: Your down payment might not be the reason you have to wait to buy a home. 🏡**

A lot of potential homebuyers think they only have one option:

💰 Save more money.

But what if you actually have **THREE options**?

🏦 **Option 1: Use your 401(k)**
Depending on your retirement plan, you may be able to access funds to help with your home purchase.

💵 **Option 2: Down Payment Assistance**
There may be programs available that can help eligible buyers reduce the amount they need to bring to closing.

⏳ **Option 3: Wait & Save**
Sometimes waiting makes sense—but before you wait another 6 or 12 months, run the numbers and understand what you're waiting for.

That's why I call it the **3-Way Down Payment Test.**

Don't just ask:

❌ “Do I have enough money to buy?”

Ask:

✅ How much will I need at closing?
✅ What will my monthly payment be?
✅ How much money will I have LEFT after closing?
✅ Which option makes the most sense for my situation?

**You may be closer to homeownership than you think.**

📲 DM me **“3-WAY”** and I'll help you compare your options.

**DB Mortgage Group**
*Turning questions into a homebuying strategy.* 🏡🔑

09/30/2026

🏡 YOUR APPROVAL AMOUNT IS NOT YOUR BUDGET! 💜
Getting approved for $300K, $400K, or even $500K doesn’t automatically mean that’s what you should spend.
The better question is: What does your PAYCHECK say you can comfortably afford?
Before you start touring homes, look at what actually hits your bank account after taxes, insurance, retirement contributions, and other deductions. Then account for your FULL housing payment—mortgage, taxes, homeowners insurance, mortgage insurance, and HOA dues if applicable.
And don’t stop there. 👀
Your budget still needs room for car payments, credit cards, childcare, groceries, transportation, savings, home repairs—and those unexpected expenses that always seem to show up at the worst time.
💡 A lender tells you what you MAY qualify for. Your paycheck tells you what you can comfortably KEEP.
The goal isn’t just to BUY the house. The goal is to OWN it comfortably, enjoy it, and still have money left to live your life.
📌 SAVE THIS POST before you tour another home.
Ready to build a homebuying plan around your real budget?
📲 DM me “PAYCHECK” and let’s run the numbers.

09/28/2026

At DB Mortgage Group, we're not just looking for mortgage applications. We're looking to become a resource that helps Realtors create more transactions and close more deals.

🔥 FREE BUYER PROFILES
Tell us what type of buyer you need for your listings, and we'll help identify potential buyer profiles and financing opportunities you can market to.

💰 SELLER ADVANTAGE STRATEGIES
Instead of immediately jumping to a price reduction, let's look at ways seller concessions and discount points may help create a more attractive monthly payment for potential buyers.

🔑 DOWN PAYMENT ASSISTANCE
Some buyers have the income to afford the home but need help overcoming the upfront cash requirement. We'll explore available down payment assistance options that could help turn those prospects into homeowners.

🤝 OWNER FINANCING OPTIONS
When traditional financing doesn't provide the right solution, we'll explore whether alternative strategies, including available owner-financing options, could help create another path to the closing table.

The goal is simple:

More potential buyers. More financing solutions. More opportunities to get your listings SOLD.

Whether you have a buyer who needs financing, a listing that needs more activity, or a lead you thought wasn't mortgage-ready, send them my way.

📲 Let's turn your listings and leads into closings.

09/27/2026

🚨 MORTGAGE RATE UPDATE: Here’s What Homebuyers Need to Know! 🏡📉

Friends, the mortgage market has been on a roller coaster the past couple of weeks.

Rates climbed quickly, with top-tier mortgage rates reaching around 7.5% at one point. Global uncertainty, concerns about inflation, and investors moving away from risk all contributed to the jump.

But today, we finally got a little GOOD NEWS. 🙌🏾

The bond market improved, and I started seeing better mortgage pricing from some of my lenders.

Does that mean rates are officially headed back down?

Not necessarily.

Think of this as a breather—not a victory lap.

Next week could be HUGE. 👀

We have major economic reports coming out, including inflation data and the Jobs Report. Those numbers could determine where mortgage rates head next.

🏡 Closing within the next week or so?
Let's seriously discuss locking your rate. This market is moving too fast to simply hope for the best.

🏡 Closing in 2–4 weeks?
Depending on your situation, we may have some room to watch the market and see whether this improvement continues.

The biggest mistake right now is trying to time the mortgage market by yourself.

You don't need HOPE.

You need a PLAN. 🎯

📲 Let's talk about your homebuying timeline and build a mortgage strategy around your payment, your closing date, and your goals.

09/24/2026

🏡 5 Borrower Mistakes That Can Drain Your Savings Before Closing!
Getting approved for a mortgage is a BIG step—but approval doesn’t mean it’s time to start making financial moves. 👀
Between pre-approval and closing, what you do with your money and credit can impact your loan—and potentially cost you thousands.
🚨 Watch out for these common mistakes:
1️⃣ Missing or making late payments
2️⃣ Changing jobs or how you’re paid
3️⃣ Making major purchases or opening new debt
4️⃣ Moving money around without documentation
5️⃣ Forgetting to budget for moving expenses and the costs that come AFTER closing
The golden rule: Until you have the keys 🔑, talk to your loan officer BEFORE making any major financial changes.
Buying a home doesn’t have to drain your savings. The right strategy can help you protect your cash AND get to the closing table.
📲 Thinking about buying? DM me “HOME” and let’s build your game plan before you start shopping

Address

St. Louis, MO

Telephone

(636)3898933

Website

http://www.dbmortgagegroup.com/

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