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Tim Rhey Team Tim Rhey, True Rate Mortgage Group, Powered by Altamont Funding, an Equal Housing Lender. Xpert Home Lending, Inc.

https://www.true-rate.com/

IMPORTANT: True Rate Mortgage Group, LLC is a division of Xpert Home Lending, Inc. (XHL) is not a law firm, tax, or financial planning organization. XHL does not provide legal, tax, or financial planning advice. NMLS Consumer Access: https://mortgage.nationwidelicensingsystem.org/about/Pages/NMLSConsumerAccess.aspx

Privacy Policy:
https://www.true-rate.com/privacy-policy/

10/10/2026

2026: The beatings will continue until morale improves. 😂🥊

Realtors and lenders… anybody else feel like this market has a personal problem with them?

You finally get a win. A new listing. A buyer under contract. A loan that’s actually going smoothly.

And then… here we go again.

Something changes. Something falls apart. Something completely outside your control manages to suck the excitement right out of you.

And the hardest part? Everybody’s feeling it. Buyers, sellers, Realtors, lenders. The stress just keeps getting passed around.

Between inflation, interest rates, oil, AI, and a market that can’t seem to make up its mind, 2026 might be the most emotionally exhausting year I can remember in this business.

But here’s why I made this video.

Not to complain. Not to predict where rates are headed. Just to remind my friends in this industry that we’re all going through it together.

We’ve survived difficult markets before. We’ll get through this one, too.

There are still opportunities. There are still families to help. And there’s still a reason to show up on Monday.

To my fellow Realtors and lenders across the country — I see how hard you’re working, even when nobody else does.

Keep fighting the good fight.

Happy Saturday. 👊

👇 Realtors and lenders, how’s 2026 treating you? I’m genuinely curious.

08/10/2026

I think I finally figured out what’s happening with mortgage rates. 📉🥽

After 4½ years of watching mortgage-backed securities almost every single day, I’ve been studying the recent selloff.

Inflation. Unemployment. Fed policy. Oil prices. Economic reports. Rumors. Made-up stuff.

I’ve analyzed all of it.

And after extensive research, I’ve identified a remarkably consistent pattern.

The mortgage bond market appears to be following Rambo at Crested Butte, Colorado.

Nearly a 55-degree pitch. Double-black diamond. Rocks. Trees. An unforgiving descent.

The similarities are concerning.

But here’s the encouraging part.

Eventually, you run out of mountain.

I’ll continue monitoring conditions.

For anyone actually buying a home or refinancing: when mortgage bond prices fall, mortgage rates generally rise. That’s why understanding the market matters more than trying to guess the perfect day to lock.

Send this to someone who’s been trying to figure out mortgage rates lately. 👊🏻

For the record, the Rambo market analysis is satire. The bond market is unfortunately real.

08/10/2026

You have a 4% mortgage rate.

Congratulations. You may have just found the most expensive reason to NEVER MOVE.

Seriously though…

How many homeowners are staying in a house that no longer fits their life because they refuse to give up that low mortgage rate?

Here’s what nobody talks about:

A lower interest rate doesn’t automatically mean you’re making the smartest financial decision.

Your equity, monthly budget, future goals, and what your next home actually costs all matter.

Sometimes staying makes sense. Sometimes moving does.

But making a six-figure decision based on ONE number? That’s worth a second look.

🏡 Would you give up your 3% or 4% mortgage rate to move into a home you actually wanted?

I’m genuinely curious. 👇

06/10/2026

Tonight I received my first homebuyer inquiry through our Foster Friendly business listing.

I don’t know yet if she qualifies. I don’t know what the loan looks like. We haven’t even had the first conversation.

But I know this:

I’m going to do everything I can to help.

Foster families have already made the decision to step up for a child.

Maybe the rest of us should spend a little more time asking how we can step up for them.

They’ve stepped up. Now it’s our turn.

Foster Friendly. Let’s go. ❤️

If you’re a local business and want to get involved, call or text me. I’ll get you connected.

I went back and forth on whether I should even post this.Because helping people and then telling everyone you helped the...
06/10/2026

I went back and forth on whether I should even post this.

Because helping people and then telling everyone you helped them has always felt a little backwards to me.

But I realized something.

If nobody talks about the need, how are more people supposed to know it exists?

I recently learned that foster families are sometimes called “unseen first responders.”

That stuck with me.

These are families who can get a phone call and suddenly have another child coming into their home.

They find a bed.
They find clothes.
They change schedules.
They figure out school.
They make room at the table.

And then they do something much harder than all of that.

They try to make a kid feel safe.

Most of us will never see that part.

I recently learned about America’s Kids Belong and their Foster Friendly program, which helps connect foster and kinship families with businesses and communities willing to support them.

So True Rate Mortgage joined.

I’m not posting this because I think becoming “Foster Friendly” deserves a pat on the back.

It doesn’t.

I’m posting it because I have a business. I have a social media page. I know a lot of people in this community.

And maybe those things can be useful for something bigger than mortgages.

So every once in a while, I’m going to use this page to talk about foster families. What they need. How people can help. The organizations already doing the work. And hopefully introduce a few more people and businesses to this mission.

No big campaign.

No victory lap.

Just trying to use what I have to help where I can.

And if you’re a business owner, church, organization, or just someone reading this thinking, I’d like to help too —

message me. Or text 970-786-0222.

I’ll point you in the right direction.

Because foster families don’t need more recognition.
They need more people standing beside them.

05/10/2026

Lower mortgage rates. Just one small thing to sort out first. 😅

The headlines are exhausting. But here’s a reason I’m still hopeful.

During the 1990–91 Gulf crisis, oil fell sharply before the fighting ended. The yearly mortgage-rate average also declined—from 10.1% in 1990 to 8.4% in 1992.

It wasn’t all oil. Recession and Fed policy mattered too.

But if this Iran conflict settles and oil moves normally again, cheaper energy could ease inflation pressure—and give mortgage rates room to improve.

That’s why I’m watching for improvement. No promised rate. No magic date.

For now, know your numbers so you’ll recognize an opportunity when it shows up.

What rate would make buying or refinancing worth it for YOU? 👇

Send this to someone who could use a little perspective with their morning headlines.

Tim Rhey | True Rate Mortgage Group
NMLS 883312

LOCKTOBERFEST is here. 🎃🏡Rates might feel a little scary right now… but that doesn’t mean the right move isn’t out there...
04/10/2026

LOCKTOBERFEST is here. 🎃🏡

Rates might feel a little scary right now… but that doesn’t mean the right move isn’t out there.

Buying. Refinancing. Using home equity. Seller-paid buydowns. Different loan structures.

This market isn’t about waiting for “perfect.”

It’s about having a strategy that actually fits your numbers.

When rates feel scary, strategy is everything.

Call or text me before you make a move:
970-786-0222

Tim Rhey | NMLS #883312
Powered by Altamont Funding, Inc. | NMLS #2603233

HomeEquity ColoradoRealEstate ColoradoMortgage MortgageRates FirstTimeHomeBuyer RealEstateTips Locktoberfest

03/10/2026

“Date the rate,” they said. It’s October 2026. She’s still here. 🪥

Toothbrush in the bathroom. Knows the Wi-Fi password. Your buddies don’t come over anymore.

Apparently, this was a serious relationship.

“Marry the house, date the rate” sounds good until you realize you don’t get to choose when a better mortgage rate shows up—or whether you’ll qualify to refinance.

Buy with a payment you can comfortably afford today. A future refinance is a possibility, not a promise.

Who else’s rate misunderstood “casual”? 😂

Send this to your friend who’s still dating theirs.

The market changed. That doesn’t mean your home goals are dead. It means your strategy has to get smarter.The buyers win...
02/10/2026

The market changed. That doesn’t mean your home goals are dead. It means your strategy has to get smarter.

The buyers winning right now aren’t guessing. They’re running the numbers, looking at options, and making moves with a plan.

At True Rate, we help you cut through the noise, make sense of the math, and build a mortgage strategy that actually fits this market.

Change in the market means change in strategy.
Let’s make it happen. Let’s run the numbers.

Call or text me at 970-786-0222
DM me “MATH” and let’s talk through your options.

01/10/2026

Mortgage rates don’t start with the Fed.

They start with the 10-year Treasury — and right now war spending, oil risk, inflation fears, and investor uncertainty are all feeding into it.

That’s why rates can stay stubbornly high even when the headlines make it sound like relief should be coming.

If you’re buying, refinancing, or thinking about locking soon, don’t guess.

Call me before you lock.

📲 Tim Rhey | 970.786.0222
NMLS #883312

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