Justine Marie Flores Loan Officer NMLS# 2383290

01/04/2026

Mortgage apps down, but jobs and retail sales came in strong 📊

Markets are holding steady and staying resilient—now all eyes on what’s next 👀

12/02/2026

Everyone keeps asking…
“With rates where they are, is it even a good time to buy a house?”

Let’s talk about what’s actually happening 👇🏼

📊 The economy added 130,000 new jobs in January.
That means people are working.
Paychecks are coming in.
Spending power is strong.

📉 Unemployment is at 4.3% — which is still considered low.
More people employed = more stability in the economy.

Now here’s what most people don’t understand…

When the economy is strong, it can sometimes keep interest rates higher because strong job growth and spending can create inflation pressure.

So yes — strong economy can mean higher rates.

But here’s the bigger picture 👇🏼

🏡 A strong job market also means:
• Buyers feel more secure making big moves
• Home values remain supported
• Demand stays steady

Waiting for the “perfect rate” can cost more in the long run if home prices continue rising.

You can refinance a rate.
You can’t rewind home prices.

Buying when the economy is stable and employment is strong often means you’re stepping in during a healthy market — not a collapsing one.

The real question isn’t “Are rates perfect?”
It’s “Does this make sense for MY situation?”

If you have income stability and a long-term mindset, this can absolutely still be a smart time to buy.

Message me if you want to run real numbers for your scenario.
Let’s make decisions based on strategy — not headlines.

— MLO JustFlo 🏡✨

11/02/2026

📊 KNOW YOUR MARKET.

Here’s what’s happening right now (and why it matters to YOU):

• Mortgage bonds are at some of their best levels in weeks
• Jobs report showed 130,000 new jobs
• Unemployment is at 4.3%
• 10-year Treasury is around 4.19%
• CPI (inflation report) drops Friday

What does that mean in real life?

Interest rates move based on things like jobs, inflation, and Treasury yields. When inflation or job numbers surprise the market, rates can shift quickly.

This is why timing matters.
This is why strategy matters.
This is why you don’t guess — you plan.

As your MLO JustFlo 💼🏡 I watch this daily so you don’t have to.

If you’re:
• Thinking about buying
• Wondering if you should lock
• Considering refinancing
• Or just curious what this means for YOU

Reach out. I’ll break it down and build a plan that makes sense for your situation.

Smart decisions start with smart conversations.

📲 DM me or message me anytime.

03/07/2024

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02/07/2024

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01/07/2024

01/07/2024

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26/06/2024

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