Jesse Kynaston - NEXA Lending

08/27/2026

🚨 Mortgage rates went DOWN slightly… so why is the market suddenly talking about the Fed possibly RAISING rates?

It sounds backwards, but there’s an important reason.

🏦 The Fed does NOT directly set mortgage rates.

Mortgage rates are heavily influenced by the bond market, including mortgage-backed securities and Treasury yields.

We recently saw some relief as falling oil prices helped ease inflation concerns and supported the bond market.

But today’s inflation data showed inflation is still running hotter than the Federal Reserve would like — which has markets increasing the odds of another potential Fed rate hike.

So we essentially have a rate roller coaster. 🎢

📉 Lower oil prices can help inflation expectations and bonds.

📈 Sticky inflation can increase pressure on the Fed to keep monetary policy tighter.

🏠 And mortgage rates are reacting to ALL of it.

That’s why I don’t recommend trying to perfectly time the mortgage market.

Instead, let’s look at what you can actually control: your payment, purchase price, seller concessions, rate-buydown opportunities and the right loan structure for your situation.

📍 Tucson | Oro Valley | Marana | Vail | Southern Arizona

Have questions about what today’s market means for your homebuying plans? Send me a message or visit JesseKLoans.com.

Jesse Kynaston | NEXA Mortgage
NMLS #2685508 | Company NMLS #1660690

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08/21/2026

🏠 THE FHA 2–4 UNIT HOUSE HACK

What if buying your first home could also mean becoming a landlord?

With an FHA 2–4 unit strategy, an eligible buyer may be able to:

🏡 Buy a duplex, triplex or fourplex
🔑 Live in one unit as their primary residence
💰 Rent out the other units
📊 Potentially use eligible rental income to help qualify
💵 Explore available down payment assistance (DPA) options
📈 Start building equity while tenants help offset the housing expense

This is called house hacking — and it can be a powerful way to approach homeownership differently.

The key is structuring the financing correctly. FHA, rental-income and DPA guidelines all matter, and not every borrower or property will qualify.

📩 Want to see how an FHA 2–4 Unit House Hack + DPA could work in Tucson?

Message me “HOUSE HACK” and let’s run the numbers.

Jesse Kynaston | NEXA Mortgage, LLC
NMLS #2685508 | Company NMLS #1660690

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08/18/2026

💳 Credit card debt is near RECORD highs — and Arizona homeowners should be paying attention.

U.S. credit card balances have climbed to more than $1.26 TRILLION, while the average credit card debt in Arizona is nearly $8,000.

If you’re a homeowner carrying high-interest credit card balances, your home equity may give you another option.

A HELOC can potentially be used to consolidate higher-interest debt into one payment — but the numbers have to make sense for your situation.

🏠 Have equity in your Tucson-area home?
📲 DM me “HELOC” and I’ll help you look at the numbers.

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08/15/2026

🏠 MORTGAGE MYTH: You need 2 years at the same job to buy a home.

Not necessarily! 👀

Changing jobs doesn’t automatically mean you have to wait two years before qualifying for a mortgage. Your overall employment and income history matters, and every situation is different.

So if you recently started a new job, changed employers, or made a career move, don’t assume homeownership has to wait.

📍Buying a home in Tucson, Oro Valley, Marana, Vail, or Southern Arizona?

Send me a DM and let’s look at your specific situation.

Jesse Kynaston | NEXA Mortgage
NMLS #2685508 | Company NMLS #1660690

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08/12/2026

🏠 Thinking about a hard money loan? Check your home equity first.

If you own a home with equity and need access to cash, a Figure HELOC may be another financing option worth comparing.

Depending on eligibility and current program guidelines:

💰 Up to $750,000
⚡ Funding in as few as 5 days
📱 100% online application
📆 5, 10, 15 & 30-year terms
🏡 Access equity without replacing your existing mortgage

Hard money can absolutely have its place—especially in real estate investing—but it isn’t necessarily the only option.

If you’re in Tucson, Oro Valley, Marana or Southern Arizona, let’s compare the numbers before you make a decision.

📩 DM me “HELOC” and I’ll help you explore your options.

Jesse Kynaston | Mortgage Loan Officer
NMLS #2685508 | NEXA Mortgage, LLC NMLS #1660690

Program availability, terms, rates, eligibility and funding times are subject to qualification and change. HardMoney HardMoneyLoans

08/05/2026

🏡 Think buying a home requires a huge down payment?

Not always.

Many buyers may qualify for programs that can help with their down payment through:
✨ Grants
✨ Forgivable loans
✨ Deferred second mortgages
✨ Other assistance options

Every program has different guidelines, but it’s worth finding out what’s available before giving up on buying.

The biggest mistake I see?
People waiting years because they assumed they couldn’t afford the down payment.

📲 DM me “DPA” and I’ll help you explore your options.

📍Serving Tucson, Oro Valley, Marana, Vail, Sahuarita, Green Valley, and all of Southern Arizona.

08/04/2026

The Fed held rates steady… but mortgage rates still went up. 🤔

Confused? You’re not alone.

The Federal Reserve doesn’t directly control mortgage rates. Mortgage pricing is influenced by the bond market, inflation, and investor expectations—which means mortgage rates can move even when the Fed does nothing.

Don’t let headlines make your homebuying decisions.

If you’re wondering what today’s market means for your buying power, send me a message and let’s look at your options.

👇 Did you know the Fed doesn’t actually set mortgage rates?

08/01/2026

🚨 Think the Federal Reserve sets mortgage rates? Not exactly.

This is one of the biggest misconceptions I hear.

The Federal Funds Rate is the interest rate banks charge each other for overnight loans. It’s an important tool the Federal Reserve uses to help manage inflation and the economy—but it doesn’t directly determine mortgage rates.

So why do mortgage rates still move after a Fed announcement?

Because the Fed influences things like:
📊 Inflation expectations
📈 Bond market performance
💵 Investor confidence
🏦 Overall economic outlook

Mortgage rates are primarily driven by the bond market, especially mortgage-backed securities—not the Fed’s overnight lending rate.

Understanding the difference can help you make better decisions when buying a home, refinancing, or simply following the headlines.

🏡 Have questions about today’s mortgage market? Send me a DM or comment “RATE” below, and I’ll help you understand what today’s market means for your situation.

📍Helping homebuyers and homeowners throughout Tucson, Oro Valley, Marana, Vail, Sahuarita, Green Valley, and Southern Arizona.

💾 Save this post so you’ll know what’s really happening the next time the Fed makes an announcement.

07/29/2026

🚨 ATTENTION REALTORS!

Want to become your clients’ go-to financing resource?

Join us Thursday at 10 AM for our FREE Realtor Zoom training!

🏡 This week’s topic:
Buy Before You Sell

We’ll cover bridge financing, equity trade-in solutions, and strategies that can help keep more deals together.

📩 DM me “ZOOM” for the registration link!

07/23/2026