Keith Parrett - Mortgage Advisor - NMLS# 1931498

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

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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.

11/02/2026

Serving our country takes dedication, commitment, and sacrifice. If you've served in the U.S. Navy, you've earned benefits that may help make homeownership more affordable. As a mortgage professional, I can help you explore VA home loan options, including potential benefits like no down payment, competitive mortgage rates, and no monthly private mortgage insurance (PMI). Whether you're purchasing your first home, relocating after military service, or considering a VA refinance, I'll help you understand your eligibility, financing options, and what to expect throughout the mortgage process. You've spent time navigating the seas. Now, let's navigate the possibilities of buying or refinancing a home with the VA loan benefits you've earned. Thank you for your service!
www.changemtg.com/advisors/kparrett

10/19/2026

Some people are happy with a pumpkin or two on the porch. Others turn their entire front yard into a seasonal attraction. That's one of the great things about owning a home. You get to make it your own, whether your style is simple and understated or the talk of the neighborhood. Just like decorating for fall should be fun, figuring out how to finance your home shouldn't be frightening. As a mortgage professional, I can help you explore home loan options, understand mortgage rates, and find a monthly payment that fits comfortably within your budget. Whether you're buying your first home or planning your next move, I'll help make the mortgage process straightforward. Save the scary stuff for Halloween!
www.changemtg.com/advisors/kparrett

10/13/2026

Nobody wins their fantasy league by setting the lineup once in September and walking away. The managers who finish strong are the ones checking in, adjusting, planning for different scenarios. Reading matchups. Watching for shifts. Making moves when the moment calls for it. Mortgages work similarly. Rates move. Life changes. Options evolve. A quick strategy conversation now could put you in a better position when the next shift happens. Whether that's rates, home prices, or your own plans. No high-pressure sales talk. No obligation. Just a real conversation about what a smart strategy might look like for your situation. How's your fantasy team doing this season? Drop it in the comments. And if a mortgage question is riding along, send it over. DM, text, or email, whichever feels easiest.
www.changemtg.com/advisors/kparrett

10/08/2026

Mortgage rates rose for a seventh straight week as Treasury yields climbed on inflation worries tied to higher oil prices. Still, bright spots remain: for-sale inventory is up, more sellers are lowering listing prices, and an end to the Iran conflict could ease pressure. Amid these shifts, comparing lenders can help borrowers beat headline rates. Mortgage rate data shown is provided by Freddie Mac through its Primary Mortgage Market Survey® (PMMS®) as of 10/08/26.
www.changemtg.com/advisors/kparrett

10/05/2026

If today’s mortgage rates make you feel like you'd be overpaying or taking on a payment that feels too heavy, that concern is completely valid. Buying a home is a major decision, and you should feel comfortable with the timing. Still, a quick conversation may help you see options that are easy to miss while you wait. Depending on the home, seller concessions, a temporary rate buydown, different loan programs, or a future refinance strategy could make today’s numbers more workable than expected. As a mortgage professional, my role is not to push you into a decision. It is to help you understand your home financing options, answer your questions clearly, and give you useful information when you are ready.
www.changemtg.com/advisors/kparrett

10/01/2026

This week's upward pressure traces back to a volatile bond market, as traders reassess Fed policy, inflation, and government debt supply. Quarter-end trading dynamics added further pressure. Notably, mortgage-backed securities outperformed Treasuries, which helped keep rates from rising even more. Despite the volatility, favorable economic conditions continue supporting the housing market. Mortgage rate data shown is provided by Freddie Mac through its Primary Mortgage Market Survey® (PMMS®) as of 10/01/26.
www.changemtg.com/advisors/kparrett

09/28/2026

Artificial intelligence can summarize mortgage information. Real mortgage intelligence knows which details matter for your specific situation. I look beyond a quick payment estimate to consider your income, credit, assets, loan options, property type, long term goals, and the tradeoffs behind every decision. Mortgage rates and guidelines change, but good advice still comes from asking the right questions and understanding the person behind the application. Whether you are a first time homebuyer, planning a refinance, or weighing different home loan options, I provide clear answers built around real experience and real conversations. Technology can be helpful, but your mortgage strategy deserves human judgment.
www.changemtg.com/advisors/kparrett

09/25/2026

Stronger-than-expected inflation pressure, rising oil prices, and last week's Fed rate hike pushed the 10-year Treasury yield to a 19-year high, lifting mortgage rates again this week, though improving mortgage spreads limited the increase. Still, as home sales cool and inventory builds, seasonal timing may hand buyers more negotiating leverage in the months ahead. Mortgage rate data shown is provided by Freddie Mac through its Primary Mortgage Market Survey® (PMMS®) as of 9/24/26.
www.changemtg.com/advisors/kparrett

09/21/2026

Every month I talk to renters who are floored when they see the math. You hand over $1,800, $2,200, sometimes more, and when the lease ends you walk away with nothing but a folder of receipts. Meanwhile your landlord's mortgage balance drops a little more, their property value climbs, and their net worth grows off your payment. That's not an accident. That's how the system is built. A mortgage flips the script. Same monthly outlay, completely different outcome. You're paying down principal, building home equity, and locking in a fixed housing cost while rents keep climbing year after year. I've watched clients go from feeling stuck to genuinely proud homeowners once they understood their real numbers. If you're on the fence about renting vs buying, let's run your actual scenario. No pressure, just real numbers so you can make an informed decision about your financial future.
www.changemtg.com/advisors/kparrett

09/17/2026

Persistent inflation helped push 10-year Treasury yields, a key benchmark for mortgage rates, to their highest level since 2007, putting upward pressure on the 30-year fixed rate this week. Adding to the pressure, the Federal Reserve raised its benchmark rate on Wednesday, citing solid economic growth, geopolitical risks, and inflation that remains too high. Mortgage rate data shown is provided by Freddie Mac through its Primary Mortgage Market Survey® (PMMS®) as of 9/17/26.
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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