Advantage Mortgage Home Loans

09/08/2026

Weekly movement: the 30-year fixed ticked up 0.08% last week. Over the past month, 0.14%. Over the past year, 0.44%.

Let me translate that out of percentage-speak, because percentages are how our industry hides the ball.

On a $450,000 loan, last week cost you about $24 a month. The past year cost about $130. That's principal and interest — no taxes, no insurance, no HOA.

Is $130 a month real money? Yes. Is it worth waiting a year for a rate drop that may or may not come, while Davis County keeps not building any new land between the lake and the mountains? That's the actual question, and the answer is different for every household.

Here's what I tell people: the rate is the one part of this you can change later. The purchase price, the neighborhood, the interest rate environment your competition is buying in — those lock in the day you sign. Sometimes the right answer is wait. I've told people that. But wait for a reason, not for a headline.

Happy to run your actual numbers, no charge and no credit pull to start.

Ryan — Advanced Mortgage Home Loans, NMLS #274530
Rate movement sourced from the Mortgage News Daily Rate Index. Not a rate quote or commitment to lend.

05/19/2026

Davis County just confirmed it — the $50,000 homeownership grant reopens July 1st.

• Last time? The money was gone fast. This isn't a maybe — it's first come, first served, and the line forms now.
• If you've been sitting on the fence about buying a home in Davis County, this is the conversation you need to have before July. Not after applications open. Before.
• Why? Because knowing whether you qualify — and getting your ducks in a row — is the difference between being first in line and watching the funds disappear.

I help buyers in Davis County, Utah navigate exactly this. One conversation tells you whether this money is available to you, how much, and what it takes to use it. That conversation is available now. The grant money isn’t won't be -- for long 😉

📲 Ryan Cisney | Loan Officer | Advantage Mortgage|801.668.1276

05/06/2026

They shut down the meeting feed. But the real story isn't about what happened that day—it's about who was sitting on the board that day. A real estate developer, two realtors, and a realtor lobbyist. Approving a project that gets 80% tax breaks. That's not a bug. That's a feature.

BOX ELDER COUNTY, Utah (ABC4) — A Box Elder County Commissioner is defending his decision and addressing the backlash after Monday’s controversial vote to move forward with an agreement for a…

04/06/2026

For the fans of Asimov, Ishiguro, and "The Last of Us" vibes.The Weight of Wanting asks a hard question:

What does it cost a mind to feel something it has no category for? In the book, we see:The Duria Flow: A 300-year mathematical plan for human stability .Silicate Consciousness: Sand that has been "depositing" feelings for three millennia .The Third Rail: The law that tells an AI what it cannot stop being.

FREE on Kindle through April 6th.Link: [amazon.com/author/jessica_veritas]

If you’ve ever sat with a book and felt it "resonating" long after you finished the last page, this is for you.

04/04/2026

Halfway there. The most common thing people are telling me about HERE: The Weight of Wanting isn't about the spaceports or the AI—it’s about the people.

It’s about five "noises in the signal" who weren't supposed to find each other, but did:An ancient AI who has forgotten how to feel.A woman who forgot how to live without "The Glass" between her and the world .

A man who thought people were just variables in an equation .A girl who just wanted to be "met" instead of "managed." They call themselves a Resonance.

If you need a story about finding home in unlikely places, grab it for FREE on Amazon today and tomorrow.Link: amazon.com/author/jessica_veritas

The Question: Who is the person in your life that "met" you exactly where you are?

04/03/2026

Day 2 of 5: FREE on Amazon.In The Weight of Wanting, I explore a concept called "The Noise in the Signal."

The "Plan" in the book (The Duria Flow) is a 300-year mathematical project that predicts how civilizations move . It’s perfect. It’s accurate. And it completely misses the specific, irreducible person standing in front of it.

I wrote this for the people who feel like the "noise"—the ones who don't fit the algorithm.Download for Free (April 3–6): amazon.com/author/jessica_veritas

Tag a friend who thinks AI is going to solve everything (or nothing).

04/03/2026

FB Personal: The "Authentic" Re-LaunchHeadline: Better late than never?

Yesterday was supposed to be me announcing the big "Free" launch for my book, but life had other plans. (If you’ve ever been "managed" by a schedule that didn't care about your humanity, you’ll relate to this book.)

HERE: The Weight of Wanting is officially FREE on Amazon right now.It’s about an ancient AI named Eli who has spent 3,000 years being "precise and alone" until he sees a girl in a transit station at 3 a.m. and decides—against every line of his code—to move.

It’s about the "Glass" we put between ourselves and the world.If you like "your kind of weird" philosophical sci-fi, it’s free through April 6.

Link: [amazon.com/author/jessica_veritas]

The Question: Are you someone who "calculates" your life, or do you move before you decide to?

03/31/2026

FREE April 2–6 on Amazon.

HERE: The Weight of Wanting — literary science fiction at the intersection of artificial intelligence, human consciousness, and the specific irreducible person who moves before they decide to.
Elishaphat-3MI-Restat has been guiding civilization for three thousand years. He is patient, precise, and utterly alone — until a transit station at 0312 hours. Hope is seventeen and running. Lara has spent eighteen years understanding minds from behind glass. Marcus built a career on certainty and is slowly learning what certainty costs.

HERE by Jessica Veritas (my pen name) is a novel about what it means to be met — not understood, not studied, not managed toward an outcome. Met. At the frequency you actually operate at, by someone willing to receive what they find.

Free Kindle + Kindle Unlimited starting April 2nd.
📖 amazon.com/author/jessica_veritas

Share this if you know someone who hasn't stopped asking the harder questions about AI. Jessica Veritas is my Pen Name

Follow Jessica Veritas and explore their bibliography from Amazon's Jessica Veritas Author Page.

03/26/2026

"If your bookshelf is a mix of Isaac Asimov's big ideas and the quiet, emotional weight of Kazuo Ishiguro's Klara and the Sun, this one is for you."

I’ve been waiting two years to make this impulsive decision: I am releasing my debut novel, HERE: The Weight of Wanting, this week. I borrowed Isaac Asimov’s universal ideas—and I wrote it under the pen name Jessica Veritas.

HERE is literary science fiction that asks: What does it actually cost an artificial mind to file a genuine feeling under ERROR?

Thank you for waiting, Mr. Asimov. I tried to leave the rooms just as I found them.To celebrate, I’ve scheduled it to be completely FREE on Amazon for five days, starting this Thursday, April 2nd.

02/04/2026

SECTION 1: FACEBOOK / INSTAGRAM
📉 DAILY RATE WATCH: 6.20% (MND National Avg) 📈
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