Keith Parrett - Mortgage Advisor - NMLS# 1931498

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.

One of the biggest myths I run into every single day — people assuming they need a massive down payment before they can ...
06/02/2026

One of the biggest myths I run into every single day — people assuming they need a massive down payment before they can even think about buying a home. I get it, that number in your head feels like the rule. But in reality, there are home loan programs specifically designed for buyers who are ready to own but are not sitting on a pile of savings. FHA loans, USDA loans, VA loans, and certain conventional loan programs may allow qualified buyers to get into a home with a much lower down payment than most people expect. The path to homeownership is more accessible than the traditional narrative suggests, and part of my job is making sure you know what options actually exist before you talk yourself out of even trying. If you have been waiting until you hit a certain savings amount, let's have a conversation first. You might already be closer to owning than you think.
www.changemtg.com/advisors/kparrett

Pending home sales have increased three months in a row, indicating there's latent demand and homebuyers are ready to ju...
05/28/2026

Pending home sales have increased three months in a row, indicating there's latent demand and homebuyers are ready to jump back into the market if mortgage rates decline. Source: Freddie Mac Primary Mortgage Market Survey® as of 5/28/26 www.changemtg.com/advisors/kparrett

Here's the thing nobody wants to hear: 2021 rates aren't coming back. And honestly? That's not even the real story anymo...
05/26/2026

Here's the thing nobody wants to hear: 2021 rates aren't coming back. And honestly? That's not even the real story anymore. What matters now is how you position yourself in 2026—because the market's shifted, but real estate opportunity hasn't disappeared with it. I work with borrowers every single day who are stuck in analysis paralysis, waiting for mortgage rates to drop back to those historic lows. Meanwhile, home prices have stabilized, inventory is moving, and interest rates, while higher, have leveled off in a way that actually makes sense for strategic buyers and sellers. If you're considering a real estate purchase or refinancing, stop waiting on yesterday's market. Let's talk about today's mortgage rates, financing options, and what a realistic homeownership strategy looks like for you in 2026. The timing might surprise you.
www.changemtg.com/advisors/kparrett

Mortgage rates moved higher this week as markets reacted to renewed inflation concerns and rising Treasury yields. Shift...
05/21/2026

Mortgage rates moved higher this week as markets reacted to renewed inflation concerns and rising Treasury yields. Shifting expectations for future Federal Reserve policy also added upward pressure on borrowing costs. While rates may continue to fluctuate, mortgage pricing remains closely tied to broader economic and global developments. Source: Freddie Mac Primary Mortgage Market Survey® as of 5/21/26
www.changemtg.com/advisors/kparrett

One of the biggest myths I run into every single day — people assuming they need a massive down payment before they can ...
05/18/2026

One of the biggest myths I run into every single day — people assuming they need a massive down payment before they can even think about buying a home. I get it, that number in your head feels like the rule. But in reality, there are home loan programs specifically designed for buyers who are ready to own but are not sitting on a pile of savings. FHA loans, USDA loans, VA loans, and certain conventional loan programs may allow qualified buyers to get into a home with a much lower down payment than most people expect. The path to homeownership is more accessible than the traditional narrative suggests, and part of my job is making sure you know what options actually exist before you talk yourself out of even trying. If you have been waiting until you hit a certain savings amount, let's have a conversation first. You might already be closer to owning than you think.
www.changemtg.com/advisors/kparrett

May 8, 2026 -- Many homeowners are holding significantly more equity than they may realize. According to ICE Mortgage Te...
05/11/2026

May 8, 2026 -- Many homeowners are holding significantly more equity than they may realize. According to ICE Mortgage Technology, tappable home equity remains near historic highs—recently estimated at over $10 trillion nationwide. That’s largely the result of years of home price appreciation combined with relatively low mortgage balances. While higher interest rates have slowed activity, this built-up equity continues to create opportunities for homeowners to access funds without selling. If you’re curious how much equity you may have—or how to put it to work—I’m here to help you explore your options.
www.change.mtg.com/advisors/kparrett

Recent data points to slightly better conditions for buyers with a boost in new-home sales, median new-home prices being...
05/08/2026

Recent data points to slightly better conditions for buyers with a boost in new-home sales, median new-home prices being down to their lowest level since July 2021, and higher inventory than in recent years. Together, these trends could modestly ease affordability pressures through the spring homebuying season. Source: Freddie Mac Primary Mortgage Market Survey® as of 5/7/26
www.changemtg.com/advisors/kparrett

Every market cycle creates a different kind of opportunity. Right now, I’m seeing buyers who are willing to do the resea...
05/04/2026

Every market cycle creates a different kind of opportunity. Right now, I’m seeing buyers who are willing to do the research, get pre-approved, and act strategically, find real advantages—less competition, motivated sellers, and room to negotiate. As a mortgage professional, my role is to help you understand the numbers behind today’s housing market, from interest rates and loan options to monthly payment scenarios and long-term affordability. Whether you’re a first-time homebuyer, considering refinancing, or exploring your next move in real estate, there are still smart ways to move forward.
www.changemtg.com/advisors/kparrett

As rates had modestly declined the last few weeks, purchase demand has accelerated with purchase applications rising to ...
04/30/2026

As rates had modestly declined the last few weeks, purchase demand has accelerated with purchase applications rising to over 20 percent above a year ago. It is clear that purchase demand continues to hold up as prospective buyers react to both modestly lower rates and more inventory to choose from than the last few years. Source: Freddie Mac Primary Mortgage Market Survey® as of 4/30/26
www.changemtg.com/advisors/kparrett

April 24, 2026 -- A new proposal aims to let renters use their on-time rent payments to strengthen their mortgage applic...
04/27/2026

April 24, 2026 -- A new proposal aims to let renters use their on-time rent payments to strengthen their mortgage application, potentially expanding access to home financing. Backed by leadership at Fannie Mae and Freddie Mac, the initiative would incorporate rental history into credit evaluations—an area that has traditionally been overlooked. If implemented, this could be a meaningful shift for first-time buyers working to build credit outside of traditional borrowing. The move signals a broader effort to modernize underwriting and open more pathways to homeownership. I can help you position your credit and payment history to maximize your home loan options—let’s take a look at where you stand.
www.changemtg.com/advisors/kparrett

Address

1990 N California Boulevard Ste 650
Walnut Creek, CA
94596

Telephone

+19255804650

Website

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