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Kearns Mortgage Team LLC, Mortgage Broker NMLS #2177472

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United States
Tampa, FL
Kearns Mortgage Team LLC, Mortgage Broker NMLS #2177472

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Mortgage brokerage specializing in Conventional, FHA, VA, USDA, Non-QM. NMLS #2177472 | NMLS #1826973 We look forward to working with you.
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NMLS 2177472 - Whether you re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you re dealing with a top professional who is able to give you quick and accurate financial advice. As experienced loan officers we have the knowledge and expertise you need to explore the many financing options available. Ensuring that you make the right choice for you and your family is our ultimate goal, and we are committed to providing our customers with mortgage services that exceed their expectations. Licensed: FL, GA NMLS 2177472

11/03/2026

Quick question: how many people scanned your last flyer? 🤔

If you don't know, you need trackable QR codes. Total scans, scans by day, device and area.

Partner with me → it's in your toolkit.

Ryan Kearns · NMLS #1826973
Kearns Mortgage Team, LLC · NMLS #2177472
All loans are subject to credit approval. This is not a commitment to lend. Terms and conditions may apply and are subject to change without notice. Programs, rates, and eligibility subject to underwriting approval and availability. Equal Housing Opportunity.

11/03/2026

Mortgage rates held steady today, with the 30-year fixed at 7.24%, unchanged from last week.

It was a tug of war behind the scenes. Mortgage bonds, the investments that mortgage rates follow, were up as much as 13 basis points (hundredths of a percent) this morning as oil fell below $100 a barrel. Then a stronger-than-expected factory report (55.5 vs. 54.5 expected) and a $24 billion increase in the government's borrowing estimate pulled them back. They closed up just 1 basis point.

In everyday terms, the 30-year fixed is tied for its lowest level since September 23rd, and the 10-year Treasury at 4.905% is well below the 5.31% peak from early October. The 15-year fixed sits at 6.60%. But a day like today shows how quickly a morning gain can fade. This week brings a services report on Wednesday, midterm elections, and Friday's jobs report, all things the markets watch closely.

Questions about your situation? Send me a message.

Ryan S. Kearns · NMLS #1826973
Kearns Mortgage Team, LLC · NMLS #2177472
All loans are subject to credit approval. This is not a commitment to lend. Terms and conditions may apply and are subject to change without notice. Programs, rates, and eligibility subject to underwriting approval and availability. Equal Housing Opportunity.

11/03/2026

Your mortgage rate has a middleman you've probably never heard of: a bond. Most lenders don't keep your loan. They bundle it with other home loans into a mortgage-backed security and sell it to investors. Those bonds trade every day, and their prices move with interest rates. When bond prices rise, yields drop, and lenders have more room to offer lower rates. When prices fall, rates tend to climb. So the rate on your loan estimate isn't random. It's your lender's price for your loan, based on where those bonds trade that day, plus their margin. Save this for your next lender call, and message me if you'd like a breakdown of what moves these bond prices. 🏠

Ryan Kearns · NMLS #1826973
Kearns Mortgage Team, LLC · NMLS #2177472
All loans are subject to credit approval. This is not a commitment to lend. Terms and conditions may apply and are subject to change without notice. Programs, rates, and eligibility subject to underwriting approval and availability. Equal Housing Opportunity.

11/02/2026

Stop refreshing rate headlines every morning. Here's what's actually moving your mortgage rate, in plain words.

Most mortgage rates track the bond market, specifically mortgage-backed securities. When investors want safety, bond prices rise and rates tend to drift lower. When they chase higher stock returns, rates often climb.

Jobs reports and inflation numbers can shift rates before your coffee is ready. That's why one headline can move rates sharply one day and barely register the next.

And the national 30-year average you see quoted? It's a survey, not your rate. Your credit score, down payment, and loan type all shape your personal number.

Daily moves are mostly noise. Save this for your next rate check, and send it to a first-time buyer who needs it.

Ryan Kearns · NMLS #1826973
Kearns Mortgage Team, LLC · NMLS #2177472
All loans are subject to credit approval. This is not a commitment to lend. Terms and conditions may apply and are subject to change without notice. Programs, rates, and eligibility subject to underwriting approval and availability. Equal Housing Opportunity.

11/01/2026

Everyone calls the 15-year the smart loan, but the 30-year can be the safer one. The 15-year has a bigger payment due every single month, no matter what. A tight month with lost hours or a car repair still means that full payment. The 30-year has a lower required payment, and that's your floor. On a good month, add extra toward principal and chip away at the balance. On a tight month, pay just the required amount. Many loans don't charge for extra payments, but check your terms first. You don't have to pay it off in 30 years. You just need a payment you can always cover. Save this for your next loan talk, and comment "flexible" if you want me to walk you through setting up extra payments. 🏡

Ryan Kearns · NMLS #1826973
Kearns Mortgage Team, LLC · NMLS #2177472
All loans are subject to credit approval. This is not a commitment to lend. Terms and conditions may apply and are subject to change without notice. Programs, rates, and eligibility subject to underwriting approval and availability. Equal Housing Opportunity.

10/31/2026

When you're ready to close on your home, you need a lender who will move as quickly as you. Give me call today and let's create a game plan together.

10/31/2026

Mortgage rates ended the week a little lower, with the 30-year fixed at 7.24%, down 0.08 from last week.

Rates follow mortgage bonds, the investments that home loans get bundled into. When more investors want those bonds, their prices go up and rates tend to ease. That's what happened this week. A selloff in tech stocks sent money toward safer places like bonds, which finished today up and had one of their better weeks of 2026.

In everyday terms, the 15-year fixed is at 6.60%, also down 0.08 from last week. Rates can change from day to day as news and economic reports come out, and next week has a full calendar of them, including the jobs report on Friday.

Questions about your situation? Send me a message.

Ryan Kearns · NMLS #1826973
Kearns Mortgage Team, LLC · NMLS #2177472
All loans are subject to credit approval. This is not a commitment to lend. Terms and conditions may apply and are subject to change without notice. Programs, rates, and eligibility subject to underwriting approval and availability. Equal Housing Opportunity.

10/31/2026

Think a $290,000 home only costs the mortgage? Here's what the monthly total can really look like. 🏡

Example: 5% down at a 6.5% rate. Principal and interest comes to roughly $1,740 a month, and early on, most of that goes to interest. Add property tax around $265, homeowners insurance near $150, and PMI, which often runs $150 to $200 when you put less than 20% down. That's about $2,300 a month before any HOA dues.

PMI protects the lender, not you, so ask about it early. Your numbers will vary by area and situation.

Save this for your home search, and send it to a friend who's just starting to look. Drop your state below and I'll run example numbers for you.

Ryan Kearns · NMLS #1826973
Kearns Mortgage Team, LLC · NMLS #2177472
All loans are subject to credit approval. This is not a commitment to lend. Terms and conditions may apply and are subject to change without notice. Programs, rates, and eligibility subject to underwriting approval and availability. Equal Housing Opportunity.

10/30/2026

Secure your future home with confidence! You could lock in your interest rate for up to 90 days while you search for the perfect home. Plus, if rates drop, we'll adjust to the lower rate. Let’s chat about making your dream home a reality!

10/30/2026

Rates held steady this week: the average 30-year fixed is 7.32%, unchanged from last week.

Today was a surprising one. The economy looked strong, with growth at 3.4% annualized, and that kind of news usually pushes rates up. But tech stocks sold off hard, and investors moved money into bonds, the investments mortgage rates are tied to. When bonds gain, rates tend to ease. The 10-year Treasury yield closed at 4.934%, its lowest since September 22, though some of the day's gains faded before the close.

In everyday terms, rates are sitting in about the same place as a week ago. The 15-year fixed is 6.68%, the FHA 30-year is 7.04%, the VA 30-year is 6.92%, and the jumbo 30-year is 7.25%. Tomorrow morning brings a report on wage costs, one more number the market is watching.

Questions about your situation? Send me a message.

Ryan Kearns · NMLS #1826973
Kearns Mortgage Team, LLC · NMLS #2177472
All loans are subject to credit approval. This is not a commitment to lend. Terms and conditions may apply and are subject to change without notice. Programs, rates, and eligibility subject to underwriting approval and availability. Equal Housing Opportunity.

Address

3903 Northdale Boulevard Suite 100E
Tampa, FL
33624

Opening Hours

Monday	8am - 8pm
Tuesday	8am - 8pm
Wednesday	8am - 8pm
Thursday	8am - 8pm
Friday	8am - 8pm
Saturday	8am - 8pm
Sunday	8am - 8pm

Telephone

+18137965755

Website

https://www.kearnsmortgageteam.com/, https://www.nmlsconsumeraccess.org/

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