Matt Shymanski Home Mortgage - NMLS 1572469

Matt Shymanski Home Mortgage - NMLS 1572469 Simplifying the mortgage process is my goal & I would be happy to sit down and answer any questions you may have. Please take advantage!

This is my job, it's what I do & most importantly, I love doing it. It doesn’t matter if it's your first time ever or the first time in 15 years, buying a home is life changing moment and the process can seem overwhelming at times.

-Where do I even begin and who do I contact to get started?
-How much will the down payment be?
-What is a preapproval letter and why do I need one?
-What is PMI, wh

y do I have it and how do I get rid of it? Ok…..overwhelming might be a bit of an understatement! The good news is that your loan officer and your realtor will be with you every step of the way. Choosing the right loan officer and realtor is an important decision. They will work together to make this process seamless! Work with people you trust and always trust your instincts. It will be the difference between a great deal and a horrible experience. I would be happy to sit down and answer any questions you may have. I'll explain the process from starting to search online all the way to moving in! If I don't know the answer, I would be happy to find it for you. I've got a great team around me, and I'm not afraid to ask questions, neither should you! There is no commitment and more importantly no costs to you. Matt Shymanski – 314-761-5903 – cell
NMLS ID 1572469
Amerant Mortgage - NMLS ID 50993
Equal Housing Lender
Legal Notice:
https://www.amerantmortgage.com/legal-notices/
NMLS Consumer Access:
https://nmlsconsumeraccess.org/

05/15/2026

Pop quiz, hotshot… 🚌💥

You found the home of your dreams before getting pre-approved.

Final offers are due in an hour.

What do you do?

A) Panic-refresh your email
B) Call your lender and hope they answer
C) Submit a “trust me bro” offer
D) Realize this is exactly why pre-approval matters BEFORE the dream home shows up

In today’s market, speed matters — but preparation wins.

A strong pre-approval can help you:
✅ Know your real budget
✅ Move quickly when the right home hits
✅ Submit a stronger offer
✅ Avoid last-minute financing chaos

The dream home may show up fast.

Your financing should be ready before it does.

Thinking about buying soon? Let’s get your pre-approval handled before the clock starts ticking.

Matt Shymanski
NMLS 1572469
314.761.5903
[email protected]

05/11/2026

Everyone expected the strong jobs report to push mortgage rates higher this week… but that’s not exactly what happened. 👀

Instead, markets focused more on steady unemployment and cooling wage growth, helping mortgage rates improve slightly overall.

Right now, inflation data, oil prices, and global events are playing a bigger role in rate movement than headline job numbers alone.

📉 Current top-tier 30yr fixed rates ended the week near 6.42%.

Next week’s CPI inflation report could be a big one for the mortgage market, so stay tuned.

If you’re thinking about buying, refinancing, or just trying to make sense of the market, I’m always happy to help break it down.

Matt Shymanski
NMLS 1572469
314.761.5903
[email protected]

05/10/2026

To the moms who hold everything together… thank you. 💐

For the love, the sacrifices, the patience, the late nights, the early mornings, and all the little things that never go unnoticed.

Home isn’t just a place… it’s the feeling you create every single day.

Wishing all the amazing mothers, grandmothers, stepmoms, and mother figures a beautiful Mother’s Day filled with love, laughter, and appreciation. 🌷❤️

Happy Mother’s Day from Matt Shymanski Mortgage Solutions.

05/07/2026

I kid, I kid… all jobs can be tough. But few can be as rewarding as helping someone buy a home. 🏡

Sure, there are late-night calls, last-minute conditions, rate swings, appraisal surprises, and enough coffee to power a small city ☕😂

But seeing the excitement at the closing table?
Handing over the “clear to close”?
Watching families get the keys to a new chapter?

That part never gets old. 🔑

Matt Shymanski
NMLS 1572469
314.761.5903
[email protected]

05/04/2026

Mortgage rates tried to make a move this week… but didn’t get too far 👀

After briefly jumping to ~6.5%, rates settled back into the low-to-mid 6% range as markets reacted to inflation data and global headlines.

The Fed is still holding steady—but with inflation ticking back up, rate cuts may not be coming as soon as many hoped.

📊 What this means:
We’re in a “higher for longer—but stable” environment.

Not a panic market.
A planning market.

If you’re waiting for perfect timing… you might miss a good opportunity.

📩 Let’s build a strategy that works for YOU.

Matt Shymanski
NMLS 1572469
314.761.5903
[email protected]

05/01/2026

Mortgage rates aren’t random… and they’re definitely not one-size-fits-all. 👀

Here’s the reality 👇
Your rate comes down to two things: what you can control… and what you can’t.

✅ What YOU control:
Credit score
Debt-to-income
Down payment
Even the lender you choose

💡 The stronger your profile = the better your rate

📉 What you CAN’T control:
The economy
When things slow down → rates tend to drop
When things heat up → rates usually rise

And quick heads up—
Refinance rates can come in slightly higher than purchase rates, so don’t let that catch you off guard.

Bottom line:
You can’t time the market perfectly… but you can put yourself in the best position to win.

📲 Thinking about buying or refinancing? Let’s run your numbers and build a strategy.

Matt Shymanski
NMLS 1572469
314.761.5903
[email protected]

#101

04/27/2026

📉 Rates aren’t dropping… but they’re not rising either 👀

Mortgage rates are hovering around ~6.3%—near the lowest levels we’ve seen in the past month.

So what’s going on?

👉 Strong economy = upward pressure
Consumer spending came in HOT, and the job market is still holding strong.

👉 Global uncertainty = keeping rates in check
Oil prices and Middle East tensions are preventing rates from climbing too fast.

👉 Meanwhile… buyers are coming back
📊 Purchase apps are up 14% year-over-year

💡 What this means: We’re in a window of opportunity, not a waiting game.

Rates may not drop dramatically anytime soon…
but buyers are starting to move NOW.

🎯 If you’ve got clients “waiting for the perfect rate”…
This might be the moment to revisit the numbers.

I’m always here to run scenarios or game plan 👍

Matt Shymanski
NMLS 1572469
314.761.5903
[email protected]

04/20/2026

🚨 Mortgage Market Pause… Opportunity?

Rates are holding near recent lows 📉

But the market is basically in “wait and see” mode right now.

Here’s the quick breakdown:
• Rates = steady (lowest in over a month)
• Bonds improving (rates may follow)
• Home sales down
• Inventory still tight
• Builders cutting prices + offering incentives

👉 Translation:
Less competition… but not a full buyer’s market.

🎯 This might be one of those short windows where buyers can make a move without peak competition AND without peak rates.

The market won’t stay in limbo forever.

Matt Shymanski
NMLS 1572469
314.761.5903
[email protected]

Address

425 N New Ballas Road, Suite 101
St. Louis, MO
63141

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