Kurt Moore - Cross Country Mortgage, NMLS #1270384

Kurt Moore - Cross Country Mortgage, NMLS #1270384 Experience a stress-free mortgage process! Let’s explore your financing options and see what you qualify for today!
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As your loan officer with Cross Country Mortgage, I’m here to make buying, selling, refinancing, or building your home easy.

06/17/2026

FED EXPECTED TO KEEP RATES UNCHANGED

Everyone is focused on when the Fed is going cuts rates, but here’s what many people don’t realize:

There is actually a chance the Fed could raise rates if inflation starts moving back in the wrong direction.

The Fed’s job isn’t to make mortgages cheaper, it’s to keep inflation under control.

And here’s the kicker…

Mortgage rates don’t automatically follow the Fed. We’ve seen mortgage rates improve even when the Fed wasn’t cutting, and we’ve seen them worsen while the Fed was holding steady.

That’s because mortgage rates are driven more by the bond market’s expectations of future inflation than by the Fed’s overnight lending rate.

So instead of asking, “Did the Fed cut rates?”

The better question is:

“What did the Fed say about where inflation is headed next?”

Do you think we’re gonna see a rate cut or hike?

Counting this one for Meet-Up #13 & #14 🔥I got to introduce Krista & Mandy to Ceviche Bar today. If you haven’t been y...
06/10/2026

Counting this one for Meet-Up #13 & #14 🔥

I got to introduce Krista & Mandy to Ceviche Bar today. If you haven’t been yet, do yourself a favor and grab the Cuban with rice & beans. 🤌

Alright y’all, let’s meet the realtors:

🏡 Krista is a business owner, mother, and realtor who believes every client deserves a friendly, heartfelt experience. Based in Ames, she’s happy to help clients throughout the Des Moines metro and surrounding communities.

🏡 Mandy is also a mother who chose real estate as her career path and is based in Knoxville, so all you Sprint Car fans know exactly where to find her. 🏁 She’s committed to helping clients wherever they need her.

Both are part of The Cornerstone Collective, a team loaded with experience, resources, and a genuine passion for helping people achieve their real estate goals.

Go give them a follow and show them some love! 👏

Coffee meetup #12 for the year! Today I met up with Matt & this picture is a perfect representation of that! 😂Raw & unf...
06/10/2026

Coffee meetup #12 for the year! Today I met up with Matt & this picture is a perfect representation of that! 😂

Raw & unfiltered. Unapologetically be yourself.

Matt is wildly connected & educated among multiple aspects of real estate. His primary focus right now is the insurance side of things, both residential & commercial.

We both left today’s coffee with a few new ideas & that’s what it’s all about! 🤌

Coffee spot -

While it’s hard to pick just 3 things that influenced mortgages, these are the ones that rose to the top of our list in ...
06/04/2026

While it’s hard to pick just 3 things that influenced mortgages, these are the ones that rose to the top of our list in May.

06/04/2026

For a lot of first-time buyers, the biggest obstacle isn’t income, credit, or even interest rates.

It’s simply not knowing what’s possible.

There are programs that can help with down payment costs, flexible loan options, and strategies that make homeownership more achievable than many people realize.

If buying a home is something you’ve been thinking about, even if it’s a year or two away, send me a message. I’ll help you understand your options and build a game plan with zero pressure and no obligation.

06/01/2026

IOWA HOUSING IN THE 1990s

When people tell me today’s mortgage rates are high, I like to look at history.

30-Year Fixed Mortgage Rates:

1990: 10.13%
1991: 9.25%
1992: 8.39%
1993: 7.31%
1994: 8.38%
1995: 7.93%
1996: 7.81%
1997: 7.60%
1998: 6.94%
1999: 7.44%

Average rate during the decade: 8.1%

Now let’s look at Iowa:

📈 Median Household Income

1990: $29,955

2000: $39,469

Increase: 31.8%

🏡 Median Home Value

1990: $45,900

2000: $82,500

Increase: 79.7%

To put that another way…

In 1990, the median Iowa home cost about 1.5x the median household income.

By 2000, the median Iowa home cost about 2.1x the median household income.

Despite mortgage rates averaging over 8% throughout the decade, Iowa home values increased nearly 80% while household incomes increased about 32%.

History doesn’t repeat itself perfectly, but it’s a reminder that focusing only on interest rates can cause us to miss the bigger picture.

Which surprises you more:
The 8% average mortgage rate or the 80% increase in Iowa home values?

Mortgage rates continue to feel the pressure from a volatile bond market this week.Here’s the quick and simple breakdown...
05/28/2026

Mortgage rates continue to feel the pressure from a volatile bond market this week.

Here’s the quick and simple breakdown of what’s going on right now:

The 10-year Treasury yield is still hanging around 4.5%, which is keeping mortgage rates higher than most buyers would like.

Average 30-year mortgage rates are sitting near 6.5% after all the recent movement in the bond market and ongoing global tensions.

Inflation is still coming in hotter than the Federal Reserve wants to see, so rate cuts probably aren’t happening anytime soon.

The job market is still holding steady overall, which is great for the economy, but it also means the Fed doesn’t feel as much pressure to lower rates quickly.

One possible bright spot: there are reports that the U.S. and Iran could be moving toward a tentative agreement. If that happens, it may help ease energy prices and calm the bond market a bit, which could eventually help mortgage rates improve.

The reality is nobody has a crystal ball on rates. A lot of people are still waiting for the “perfect time” to buy or refinance, but mortgage markets can shift fast. Sometimes the biggest opportunities show up before headlines fully catch up.

That’s why having a game plan matters more than trying to perfectly time the market.

Born and raised in Iowa, I’ve built my career helping Iowa families call this state home.When you work with me, you won’...
05/20/2026

Born and raised in Iowa, I’ve built my career helping Iowa families call this state home.

When you work with me, you won’t get flashy marketing, glossy brochures, or promises about what might happen in the future.

What you will get is honest advice, clear communication, and someone who genuinely wants to make the mortgage process feel a little less intimidating.

I can’t golf & my company doesn’t have luxury suites for sporting events. But I will always be upfront and honest with both my clients and the Realtors who trust me with their referrals.

Sometimes that honesty costs me business.

There are times when the best advice I can give is that someone isn’t quite ready to buy a home yet. In those moments, I believe it’s my responsibility to have the tough conversations and help them create a plan so they can become stronger, more prepared homeowners when the time is right.

The mortgage industry has gone through some of the most challenging years many of us have ever seen.

That’s why every phone call, every referral, and every opportunity means more to me and my family than you could ever know.

And for that, I’m truly grateful.

Out to lunch, hallelujah. ✌️
05/20/2026

Out to lunch, hallelujah. ✌️

Address

7177 Hickman Road, STE 9
Urbandale, IA
50322

Telephone

+15153260079

Website

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