Keith Parrett - Mortgage Advisor - NMLS# 1931498

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United States
Walnut Creek, CA
Keith Parrett - Mortgage Advisor - NMLS# 1931498

Licensed in TX, CA, AZ, TN, WA, NV, ID
AZ Lo-1007436
WA - MLO-1931498
ID-MLO-2081931498

We’ve built businesses that lent over $10 billion in capital, served 250,000+ borrowers, and scaled to over $2 million account holders while partnering with public and private financial institutions that are equally committed to social responsibility.

08/31/2026

Let's talk perspective for a second. In 1984, the average 30-year mortgage rate was 13.88%. Not a typo. Rates have always moved in cycles, and today's mid-to-upper six percent range is actually much closer to historical norms than people realize. So if you've been sitting on the sidelines waiting for a number that may not come back anytime soon, it might be time to shift the question from 'when will rates drop' to 'what can I actually do right now.' Today's rates in the mid-to-upper six percent range aren't the whole affordability story either. Home prices, down payment options, credit profile, and loan programs all play a role, and that's exactly where I come in. My job isn't to hand you a rate and wish you luck. It's to dig through the numbers, explore every program available, and build a strategy that actually fits your life. If homeownership is the goal, let's talk. I'll work to find a way.
www.changemtg.com/advisors/kparrett

08/27/2026

Mortgage rates changed little this week. The economy remains resilient, demonstrated by steady consumer spending and rising household incomes. More homes coming on the market and slower price growth in many areas are giving buyers better options and helping create a more balanced housing market. Information provided by the Freddie Mac Primary Mortgage Market Survey® as of 8/27/26.
www.changemtg.com/advisors/kparrett

08/24/2026

Every move starts with two very different jobs. Mine is the mortgage. Yours is everything else that makes a house feel like home. While I'm chasing down rate locks, coordinating with underwriters, tracking your closing timeline, and translating loan terms into plain English, you get to focus on the parts that actually matter to you, like finding the best coffee shop down the street and figuring out which local school or park will become part of your routine. A mortgage isn't just numbers on a page; it's the tool that gets you into a community you'll actually love living in. Ready to plant your roots? Let's talk mortgage. DM me today.
www.changemtg.com/advisors/kparrett

08/20/2026

Mortgage rates eased for a second straight week as the Treasury's expanded buyback of long-term debt helped offset upward pressure from a multi-week bond selloff. Meanwhile, fluctuating oil prices and ongoing U.S.-Iran tensions keep the rate outlook volatile even as this week's dip offers incremental relief for buyers. Based on information provided by the Freddie Mac Primary Mortgage Market Survey® as of 8/20/26.
www.changemtg.com/advisors/kparrett

08/17/2026

She'd done the math a hundred times. Looked at her savings, her credit score, the listings in her price range — and the numbers never seemed to add up. Every 'no' and every 'maybe next year' chipped away a little more at the idea that this was even possible for her. She almost stopped looking. Then one conversation changed everything. Turns out she didn't need 20% down. She didn't need perfect credit. She just needed someone to actually walk her through her options and build a plan around her numbers — not someone else's idea of 'ready.' Fast forward six months: she's holding the keys to a home that's actually hers. If you're in that same place right now -- close to giving up, convinced it's not in the cards for you -- I promise it's worth one conversation before you count yourself out. Let's see what's actually possible for you.
www.changemtg.com/advisors/kparrett

08/13/2026

The 30-year fixed mortgage rate dropped two basis points this week, according to Freddie Mac. 'Housing affordability has improved from a year ago, and recent increases in purchase and refinance applications suggest that borrowers continue to respond to even modest changes in mortgage rates,' said Sam Khater, Freddie Mac's Chief Economist. Source: Freddie Mac's Primary Mortgage Market Survey® as of 8/13/26.
www.changemtg.com/advisors/kparrett

08/06/2026

While mortgage rates continue to influence affordability, the housing market is showing signs of adjustment, with listing prices modestly below year-ago levels and for-sale inventory improving from the limited supply seen in recent years. Source: Freddie Mac's Primary Mortgage Market Survey® as of 8/6/26.
www.changemtg.com/advisors/kparrett

08/03/2026

July 28, 2026 -- A new analysis from Harvard's Joint Center for Housing Studies found that America's housing stock is older than ever, with a median age of 44 years. About 22 million homeowners now live in homes built before 1960, where repair and maintenance costs are significantly higher than in newer properties. The challenge is that many owners simply don't have the financial resources to keep up. Lower-income homeowners living in older homes spent an average of $3,400 on repairs and improvements in 2023, while higher-income owners spent about $12,700--nearly four times as much. Researchers warn that delaying necessary maintenance can lead to larger repair bills, reduced home values, and increased health and safety risks over time. If your home needs repairs or updates, your home equity may be able to help. Let's explore financing options that can help you protect your investment and keep your home in great condition.
www.changemtg.com/advisors/kparrett

07/30/2026

This week’s 8-basis-point increase reflects a familiar bond market dynamic: even though the Fed held rates steady, longer-term yields—which mortgage rates track—moved higher as markets adjusted to the outlook. The silver lining is more homes for sale, giving buyers added negotiating room and more options despite the rate shift. Information based on Freddie Mac's Primary Mortgage Market Survey® as of 7/30/26.
www.changemtg.com/advisors/kparrett

07/27/2026

As a mortgage lender, one of the most frequent questions I get is 'How much home can I afford?' The answer isn't as simple as looking at your income alone. We take a deep dive into your full financial picture - debts, credit history, down payment, and more. My advice? Don't house hunt until you get pre-approved. I'll ensure you know your true price range to help you avoid falling in love with a home outside your budget. Reach out today to complete a pre-approval application.
www.changemtg.com/advisors/kparrett

Address

1990 N California Boulevard Ste 650
Walnut Creek, CA
94596

Telephone

+19255804650

Website

https://www.changemtg.com/advisors/kparrett

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