Matt Meissner - Ellason Mortgage Group - NMLS# 262525

05/05/2026

Buy a Teacher a margarita today for Cinco de Mayo!! 🍹 I believe they've more than earned it 🏆

Happy Teachers Day! Today, we salute the dedicated educators who work tirelessly to inspire and empower their students. To honor their commitment, we offer a special program designed to help teachers achieve their dream of homeownership. Reach out to discover how we can support you on this exciting journey!

05/05/2026

📈 What's Going on with Mortgage Rates Today? 📉

Yesterday was one of those days where the market reminded us how quickly things can shift. Mortgage bonds sold off about 35 BPS, which is roughly 350 worse in pricing per 100K at the same rate, and the move had very little to do with traditional economic data.

🛢️Oil drove the story. As tensions picked up around the Strait of Hormuz and shipping concerns escalated, oil prices surged up near 108 a barrel. When oil moves like that it raises inflation concerns, and when inflation becomes the concern, mortgage rates tend to move higher. That pressure showed up quickly in pricing throughout the day.

This morning we are seeing a bit of relief and are up 16 BPS at the moment. Oil has pulled back into the low 100s, the 10 year Treasury has eased slightly to around 4.42, and mortgage bonds are mostly flat to start the day. Stocks are also trying to stabilize after yesterday’s move.

When headlines drive the market, money moves quickly and mortgage pricing follows. 💸

The flip side is just as important. When things calm down, even slightly, you can see improvement just as fast. That is what we are starting to see this morning.

Bottom line for Buyers: Volatility is being driven by headlines more than fundamentals. Uncertainty can create Opportunity Windows 🪟 Be ready to take advantage!

Rates are changing sometimes multiple times throughout the day. Call me for live pricing updates.

Connecting is easy...

📲 Call or text: 205-886-5251
📧 Email: [email protected]
💬 DM me
🚀 Ready to get started? Apply Now: www.FinancedByMatt.com
📍 Come by our office for a visit

04/29/2026

Do you wish you could purchase your own home? Granting wishes is our specialty! Let's talk.

Connecting is easy...

📲 Call or text: 205-886-5251
📧 Email: [email protected]
💬 DM me
🚀 Ready to get started? Apply Now: www.FinancedByMatt.com
📍 Come by our office location to visit anytime

National Wish Day is a reminder that every big goal starts with a simple idea. If owning a home is on your wish list, contact your Ellason Loan Originator today. Let's create a plan to help turn that dream into reality!

04/29/2026

🚨 Realtors... Captain Save-A-Loan is here to assist YOU!!! 🚨

We go to infinity, and beyond to close your deal! 🚀

The Real Estate business can get tough at times. Having a Superhero Mortgage TEAM on speed dial can help.

Here's what NOT to do:

✨ Don't refer your valuable clients to someone that will decline them at the last minute and simply move on.

✨ Don't take "No" as the final answer.

✨ Don't assume that an online lender has looked into all the buyer's options.

✨ Don't give up! If a deal starts going sideways, call Captain Save-A-Loan! 🦸‍♂️

My team and I are creative, focused, and you can count on us to show up as the hero when it matters the most.

Of course, the easiest way to keep a deal from falling apart is to start in the right place. The Matt Meissner Lending Team at Ellason Mortgage is here to make sure you WIN... every time!!! 🏆

If at first your deal doesn't succeed, try again with us on your side. 💪 If you're borrower is looking for a better deal, ask us about our "2nd Look Mortgage Option Program". It pays to work with a local lender. 💵

Connecting is easy...

📲 Call or text: 205-886-5251
📧 Email: [email protected]
💬 DM me
🚀 Ready to get started? Apply Now: www.FinancedByMatt.com
📍 Come by our office anytime to visit

04/22/2026

🏠 Realtors - Part of my job is protecting your time ⏰

If your buyer is self-employed, I'd recommend you doing one of two things:

▫️Have them speak with your preferred local lender (I'd love for that to be me BTW 😉)
Or
▫️Seriously vet the source of their pre-approval

Just spoke with a self-employed buyer prospect that came to their Realtor already with a pre-approval letter in hand from an online lender, who shall remain nameless at this time 🚀

I requested a copy of their tax returns to verify income before I would provide them with a pre-approval letter for their offer (which they stated the "other lender" had not required)

It turns out that they claimed more in expenses than the gross income they received on their tax returns. Translation = they have NO INCOME that can be used for loan qualification.

Their Realtor has been showing them homes for over two months based on them "already being approved", but did advise them that in the multiple offer situation they were about to encounter that a pre-approval letter from a local lender might make a difference.

There is zero chance of them purchasing today using the 3% down payment option they had been offered by the lender that had not yet reviewed the tax returns. However, as luck would have it 🍀, they were introduced to me 😀 and we now have a plan to put them in a position to be pre-approved (legitimately) within the next 30 days.

They have been writing offers - while not actually being in a position to purchase. We see this happen way too often.

I'm grateful to do what I love every day and very grateful to the Realtors that trust my team with their valuable clients 🤝 If you're looking for a local lender as a resource, I'd love to connect! I won't have you out there wasting your time ⌚️

You can reach me directly anytime at 205-886-5251 📱or online at www.FinancedByMatt.com

Life's too short to spend it showing houses to unqualified buyers 🙂

04/21/2026

The Pathway DPA program by Ellason Mortgage. Here's why your buyers need to know about it:

✅ No minimum out-of-pocket requirement
✅ 580 minimum credit score
✅ No income limits or area restrictions
✅ Does NOT have to be a first-time homebuyer
✅ 3.5% or 5% down payment assistance available
✅ No homebuyer education required
✅ In-house underwriting = faster closings
✅ Non-occupant co-borrowers allowed

This is one of those programs that can save a deal you thought was dead.
Buyer doesn't have enough saved? ✅ This covers it.
Client owned before and thinks they don't qualify for help? ✅ Still works.
Need a fast close? ✅ In-house underwriting has you covered.

If you have a buyer sitting on the sidelines because of the down payment — let's talk before you lose that deal.

📲 Call or text me directly: 205-886-5251

04/14/2026

📣 What's happening with mortgage rates today???

As of April 14, 2026, average mortgage interest rates are holding around 6.00%–6.375% for Conv 30-year fixed loans and 5.625%–6.125% for Conv 15-year fixed loans. While rates fluctuate based on lender, credit score, and location, they are generally down from earlier in the year.

▫️ This is a very light data week, which means volatility will likely come from oil, Iran, and whatever headline hits next around the Strait of Hormuz.

▫️ We had a solid day yesterday, gaining some ground after a three-day losing streak last week. That is a good sign. We are also starting this morning up a bit, building on that momentum.

▫️ Expect to hear from Fed members throughout the week, which can create some short-term volatility. After Friday, they enter their blackout period with no speeches until the next Fed meeting.

▫️ Oil this morning is behaving, sitting at $95.48 per barrel. Everyone is watching that $100 level, so for now we are in a good spot. The 10-year treasury is at 4.29 and has been relatively stable.

▫️ Lastly, the DOW is up 1,382 points over the past five days, which is great news for 401(k)s and investment accounts.

🗣️ Simple takeaways for clients: rates are improving, but volatility is still very real. If you like what you see, it may not be a bad time to act.

If you're ready to take a look at the numbers and see what the current market can offer you, give me a call or text 📲at 205-886-5251 and let's discuss your scenario. Or visit online to get started at www.FinancedByMatt.com

03/05/2026

R.I.P. Credit Trigger Leads...

Today, updated regulations tighten control over how mortgage credit inquiry data is shared, helping minimize unsolicited outreach during the home financing process. What does that mean to you? It means that you're much less likely to get those unwanted calls or messages after applying for a home loan!

02/28/2026

Keep rollin' rollin' rolllin'

It's National Retro Day! Let’s roll you into a home you love. Contact your Ellason Loan Originator today!

01/30/2026

🏡✨ Big News for Tuscaloosa, AL! ✨🏡

We're thrilled to announce the expansion of Ellason Mortgage Group into the market!

• Our team brings 50+ years combined home lending expertise
• Dedicated team making homeownership obtainable & enjoyable

Join us and experience the Ellason difference - where successful homeownership matters.

"Where others saw mountains, we saw a path." ~ Matt Meissner