Teresa Perry- Home Loans

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United States
Vacaville, CA
Teresa Perry- Home Loans

Having entered the real estate world in 2004, I learned the loan process from back to front, literally. First timer? It starts with you!

Specializing in Conventional, FHA, VA, CalHFA, First Time Home Buyer & down payment assist programs

Loan Officer NMLS #1117341
Synergy One Lending, Inc NMLS #1907235 I spent years as a loan processor behind the scenes before obtaining my Mortgage Originator license. I’ve gained extensive experience but especially with VA loans and Veterans. Living near Travis I’ve been a part of helping our soldiers and officers live comfortably. I also offer Conventional and FHA financing and Portfolio Products. I’ve also obtained extensive experience with down payment assistance programs and credit tips to get you on the road to homeownership. Teresa Perry NMLS # 1117341

Synergy One Lending, Inc., NMLS 1907235 | www.nmlsconsumeraccess.org | 610 W. Ash Street, Suite 1505, San Diego, CA 92101 | (888) 995-1256 | State required licensing information: AZ BK #1006787; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Act and the California Financing Law license; GA Residential Mortgage Licensee #70829; KS Mortgage Company License .0025627 and KS Supervised Loan License .0026885; MA Mortgage Lender/Broker License ; NV Mortgage Company License #5186; Licensed by the N.J. Department of Banking and Insurance; OH Registration .804609.000; Rhode Island Licensed Lender and Broker. Not affiliated with any government agency. All Loans are subject to underwriting approval. Terms and Conditions apply. Subject to change without notice. Equal Housing Opportunity. https://s1l.com/licensing/
https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1907235

10/16/2026

Rates caught a break this week. Here’s how it unfolded.

Tuesday started quietly, with investors stepping in after recent highs.

Wednesday looked like a setback when hot inflation data sent rates higher at the open. By the close, the market had reversed and erased the damage.

Thursday brought more hot inflation data, and rates improved anyway as a tech and AI stock selloff pushed money toward bonds.
It’s too early to call this a trend. Much of the strength is tied to nerves in the tech space, and inflation is still the thing to watch.

If you’ve been waiting on the sidelines, one good week doesn’t change the bigger picture. It’s a good moment to see where you actually stand.

DM me and let’s run your numbers. 📊

10/14/2026

Peak life moments look different for everyone 🏘️ What's yours?

10/09/2026

Mortgage rates just hit their highest level since 2023. Here's what drove it.

Monday started with the 10-Year Treasury at 5.31%, already at multiyear highs.

Tuesday brought a little breathing room. Yields slipped back a few points and stocks hit a record.

Wednesday flipped it again. Minutes from the Fed's September meeting showed the vote to hike was unanimous, and the 10-Year spiked to around 5.36%, its highest level since 2002. A strong 10-Year auction pulled yields back off the peak, but the damage was done.

Thursday added fuel. Oil jumped about 5% on fresh signs of escalation in the Middle East, and Fed Governor Waller said multiple more rate hikes may be needed to get inflation under control. Jobless claims stayed low, so the labor market isn't giving the Fed a reason to back off.

Friday finally gave markets a breather. Trump said the U.S. won't attack Iran before the midterms, oil eased a bit, and the 10-Year settled near 5.25%. Brent is still above $100.

All of that pushed the average 30-year fixed rate to 7.4% this week, up from 7.28% the week before, according to Freddie Mac.

If you're waiting for rates to drop, this week gave no sign that's coming soon. What you can control is knowing your numbers. DM me and let's run them. 📊

10/07/2026

Got home equity? Swipe ➡️ to see 3 ways to use it. Your equity = your opportunity. Send me a message to see which option fits your next move 💬
https://myoc.io/

10/05/2026

The streamlined refi Veterans should know about 👉 Swipe through!

10/02/2026

Rates hit a multi-year high this week. Here's the story behind it.
Monday through Wednesday, rates climbed steadily, eventually touching levels not seen since 2023. Thursday brought a bit of relief as rates eased back.
What drove it: the bond market repricing Fed policy and inflation expectations, tension in the Middle East rattling oil markets, and growing concerns about bond supply here and in Europe.
Waiting for the "right" rate can cost you more than it saves. Home prices don't pause while markets sort themselves out.

DM me and let's run your numbers. 📊

09/30/2026

Renting can actually help you buy a home! Message me to learn more 🏡

09/28/2026

Self-employed? Recent credit event? Swipe to see how non-QM loans open the door to homeownership 🔑

09/25/2026

Rates put on quite a show this week.
Monday and Tuesday brought a bit of relief as oil prices eased on Middle East headlines.
That calm didn't last. By midweek, stronger than expected economic data flipped the script, reviving fears of another Fed rate hike and pushing things back up fast.
If you're watching rates hoping for a clear signal, this week is proof there isn't one. Markets can turn on a single data point.
DM me and let's run your numbers. 📊

09/23/2026

The American dream is still possible. It's just waiting on a conversation most families haven't had yet.

Address

Vacaville, CA
95688

Website

http://s1l.com/teresa-perry

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