Brittney Fleischman - True North Mortgage Team

Brittney Fleischman - True North Mortgage Team Brittney Fleischman, NMLS:1435464 True North Mortgage Team powered by Canopy Mortgage NMLS 1359687
Phone 903-638-3656 For informational purposes only.
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[email protected] | loansbybrittney.com
Brittney Fleischman - Mortgage originator
NMLS #1435464 - Canopy Mortgage LLC NMLS 1359687
www.nmlsconsumeraccess.org
1901 Rickety Lane
Tyler, TX 75703
Equal Housing Lender

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© 2021 Dream Home Lending | Partnered with American Pacific Mortgage Corporation (NMLS # 1850). No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Equal Housing Opportunity

06/12/2026

Here is the good news in the real estate market right now that every buyer, seller, and agent needs to hear.

Buyers have not disappeared. They have just become more selective and there is an important difference between those two things. Purchase mortgage applications are still running higher than last year which tells us people are actively trying to buy homes despite all the noise around affordability and rates. The demand is real. What has changed is the behavior. Today's buyers are not chasing every listing. They are moving when the home, the price, and the monthly payment all make sense together.

So if a seller feels like the market is frozen, the more accurate message is this: the market is not dead. It is selective. Serious buyers are still out there every single day. But pricing, presentation, and strategy matter more than they have in years.

For buyers the action step is simple. Do not wait until you find the right house to understand your numbers. Get fully pre-approved, know your monthly payment comfort zone, and have a clear strategy before the right home hits the market. My job is not just to give you a rate. It is to help you understand your full buying power, your payment options, your down payment strategies, and how different homes impact your overall affordability. That combination gives you the confidence to act quickly and decisively when the right opportunity comes along.

For real estate professionals that means fewer surprises, stronger offers, and clients who are educated, prepared, and ready to make decisions without hesitation.

In today's market preparation wins. The buyers are out there. The question is whether they are ready when the right home shows up. Reach out and let's make sure you are.

06/11/2026

The Iran conflict may be winding down, and for buyers, sellers, and real estate professionals, that is meaningful news worth paying attention to.

Geopolitical uncertainty has been one of the primary drivers pushing mortgage spreads higher and creating the rate volatility that has made planning difficult for anyone in the market.

As that uncertainty begins to ease, it creates a more stable and predictable environment for buyers and sellers to make confident decisions.

Rates will still be influenced by broader economic conditions, including inflation and bond market movement, but removing a major source of unpredictability from the equation changes the landscape in a positive way.

For agents, this is a genuinely good moment to reassure clients who have been hesitant.

The market is steadying.

Strategic moves made now can position buyers and sellers well for the months ahead before broader awareness of this shift drives increased competition and reduces the negotiating leverage that currently exists.

Reach out and let's talk through what this means for your specific situation and how to take advantage of the current window.

05/15/2026

I want to share something a little different this week. Less market data, more business strategy, and this one is worth paying attention to.

NAR surveyed nearly 50,000 agents and found that while 68 percent have used AI in some form, only 17 percent say it has made a significant positive impact on their business. That gap says everything. The agents who are actually winning with AI right now are not using it for complicated things. They are using it for the time-consuming tasks that eat their day alive. 68 percent are writing listing descriptions with it, 59 percent are creating social media content, and 53 percent are drafting emails and newsletters. That is an hour or more back in your day every single day.

But here is where it gets genuinely exciting. PwC just released their Emerging Trends in Real Estate 2026 report and they are calling the next phase agentic AI, tools that plan and act with minimal prompting and run continuous processes around the clock without you being in the room. This second wave is just beginning to hit residential real estate, and the agents who figure it out now will have a real and lasting competitive edge over those who wait.

The agents winning with AI are not the most tech-savvy people in the room. They are the ones who treat it like a capable junior assistant and put it to work consistently. Follow me for more ways to grow your real estate business.

05/07/2026

The leverage your buyers are feeling right now is not just a vibe. The data is confirming it and the agents who understand what to do with this information are going to separate themselves this spring.

Redfin just reported that sellers outnumbered buyers by approximately 43% in March, nearly the biggest gap tracked since 2013. That is a level of supply and demand imbalance that creates genuine negotiating power for buyers who know how to use it. And here is what makes this moment even more significant: purchase mortgage applications jumped 10% last week and are running 14% ahead of last year. This is not a quiet market. Real buyers with real financing are stepping in right now.

So what does that mean for how you run your business this spring? The top producers are doing two things with complete consistency and confidence. With buyer clients they are communicating that the leverage is real, not theoretical, and coaching them to negotiate assertively on price, terms, concessions, and rate buydowns because the market data supports it. With seller clients they are resetting expectations firmly and clearly, pricing and presenting for 2019 market realities rather than the exceptional conditions of 2021, because that is what moves homes in today's environment.

The agents who deliver both of those messages clearly and early are the ones building momentum right now. The ones who hesitate or stay vague are watching opportunities pass.

Which side of that are you on?

04/20/2026

The biggest story in real estate right now is not rates, inventory, or prices. It is the ceasefire, and here is why it changes everything for buyers who have been sitting on the sidelines.

When the conflict in the Middle East kicked off in late February, oil prices spiked, Treasury yields jumped, and the spring market essentially froze in place. But the two-week US and Iran ceasefire announced earlier this month has already pulled the 10-year Treasury yield back down and stabilized energy markets. That matters for one significant reason: mortgage rates follow the 10-year Treasury. When that yield comes down, your rate comes down with it.

Freddie Mac's chief economist Sam Khater is already calling this a positive development for homebuyers that could spark a stronger spring market than we saw last year. The buyers who went quiet in March are watching this closely, and a more stable backdrop tends to bring fence-sitters right back into showings fast. Add to that the fact that Bright MLS is reporting a historic rise in inventory, which means more choices and more room to negotiate the moment confidence returns.

If you paused your home search this spring, now is the time to take another look. The window is opening back up and buyers who move with the right strategy right now are going to be very well positioned.

04/15/2026

You have probably heard the term buyer's market or buyer-leaning market thrown around in the news lately, but what does that actually mean in practice and not just in headlines?

In a buyer-leaning market, the real advantage is not just about prices coming down. It is about leverage. Days on market are going up, which means sellers are more open to negotiating rather than holding out for a perfect offer. You are seeing more listings with price reductions as sellers test the market and adjust when the offers do not come.

Buyers are successfully asking for repairs, rate buydowns, and closing cost coverage and actually getting them. And you are not going head to head with ten competing offers the way buyers were in 2021. You have time to think, structure a smart deal, and use every tool available to reduce your monthly payment.

This is a window worth understanding and taking advantage of before conditions shift again.

Reach out and I would love to help you maximize what this market has to offer right now.

04/13/2026

Redfin just reported something that every buyer and seller needs to hear right now, and the numbers are genuinely significant.

Buyers currently have more leverage than at any point in the last 13 years. Here is what is driving that. There are approximately 46% more sellers than buyers in today's market, and that imbalance is bringing back concessions, closing cost credits, and real negotiating room that buyers have not seen in years. Inventory just crossed 723,000 single-family homes, which means buyers finally have real choices instead of competing over the same handful of listings.

And sellers are benefiting too. More homes are being priced correctly from day one, which leads to cleaner deals and faster closings for everyone involved.
Here is the part worth paying close attention to right now. The week of April 12th through April 18th is statistically the best week of the entire year to list a home according to Realtor.com data. Buyer traffic peaks, searches spike, and homes listed during this window tend to sell faster and for more money than any other week of the year. If you have been waiting for the right moment to list, this is it.

Follow me for more real-time market updates like this every week.

04/08/2026

Let me explain the most unfair thing happening in real estate right now, because it affects almost every buyer and seller in the middle of the market.

We are in what economists call a K-shaped housing market, and the split is getting harder to ignore. In the middle market, buyers are dealing with high monthly payments, elevated living costs, and serious affordability pressure. Homes are sitting longer and buyers are negotiating hard for concessions, seller credits, and rate buydowns just to make the numbers work.

But at the top of the market, luxury buyers are playing an entirely different game. Many of them are paying all cash or putting enormous amounts down, which means interest rates are simply not a factor. Cash buying has been hitting records in markets like New York, and trophy properties are moving fast while regular homes sit.

The takeaway is this. If you are buying in normal price ranges, your superpower is structure. Ask for credits, ask for repairs, ask for a rate buydown, and use every tool available to reduce your monthly payment. If you are selling in the middle market, you do not get luxury market rules. Your buyer is payment sensitive and that means the right price and the right presentation are everything.

Comment "K-SHAPED" and I will tell you exactly what is working right now to win deals in the regular market.

04/01/2026

You may have heard that the government is buying billions in mortgage bonds, but what does that actually mean for your interest rate?

When the Federal Reserve buys mortgage-backed securities, it is trying to do one thing: lower mortgage rates. Your 30-year fixed mortgage ends up in those bonds, and when demand for them goes up, the return investors need goes down, and that pushes your rate lower. This is exactly what happened in 2020 when the Fed bought trillions in mortgage bonds and rates dropped to record lows. But the moment the Fed stops buying or starts selling those same bonds, rates climb right back up. This is why rates feel so unpredictable. They are not just tied to inflation or the economy. They are being pulled around by what the Fed is doing behind the scenes every single day.

If you are shopping for a home right now, do not try to time the bond market. Get clarity on your monthly payment and know your break-even point if you plan to refinance later. And if refinancing is on your radar, now is a great time to take advantage of the gains we have made and start saving money right away.

I track this stuff throughout the day, and if you are a previous client and rates have dropped more than 1% from where you landed, you have already been hearing from me. Reach out and let's talk about how to save you money.

03/27/2026

The Fed kept rates unchanged again, and most people heard that and moved on. But if you are thinking about buying a home, the real story underneath that headline is actually worth paying attention to.

This is the second meeting in a row with no change, and the Fed is still projecting at least one rate cut later this year. But while everyone has been watching the Fed, affordability has been quietly improving in the background. A new Zillow analysis found that a median income household can now afford a home priced around $331,000, which is over $30,000 more in buying power compared to just a year ago. That is the strongest buying power we have seen since early 2022, driven by rates coming down from their peak, rising incomes, and flattening home price growth.

The market is not going to send you a notification when the timing is perfect. But the data is showing that conditions are getting better month by month, and the buyers who are pre-approved and ready are the ones who will be positioned to move when the right home comes up.

Follow along for regular updates on what the Fed and the housing market mean for your homebuying plans.

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1901 Rickety Lane
Tyler, TX
75703

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