Matthew Rupert, NMLS #2728296

Matthew Rupert, NMLS #2728296 I’m committed to delivering a smooth, secure, and professional homebuying experience from start to finish. NMLS #2728296 | NFM NMLS #2893 | Equal Housing Lender

09/10/2026

Yesterday, I shared what to watch for in today’s PPI report. Now we have the numbers.

According to the Bureau of Labor Statistics, producer prices rose 0.4% in August, matching the forecast listed by Investing.com. Prices were 5.4% higher than a year earlier, and July’s previously flat reading was revised to a 0.1% increase.

Energy was a major driver, with prices rising 4.2%. Services increased a more modest 0.1%.

What does this mean for mortgage rates?

The headline matched expectations, but it didn’t provide much relief from inflation concerns. Persistent inflation can push investors to demand higher bond yields, which can put upward pressure on mortgage rates.

Barron’s reported that the 10-year Treasury yield reached approximately 4.93% during today’s trading, citing rising oil prices and the PPI report. That reflects a broader inflation concern, not a reaction to this report alone.

For buyers and homeowners, changes like this can show up as higher rates, higher points, or smaller lender credits. The impact varies by loan and lender.

My takeaway: this report gives us little reason to expect immediate rate relief. If you’re approaching closing, it’s worth reviewing your current pricing and lock timeline rather than assuming the next report will bring better terms.

Helping spread the word about Renee Conrad’s new listing with Honorable Service Realty Group in Montclair, which hit the...
09/09/2026

Helping spread the word about Renee Conrad’s new listing with Honorable Service Realty Group in Montclair, which hit the market today!

📍 4204 Avon Dr, Dumfries, VA
$665,000 | 5 bedrooms | 3.5 baths | 2,766 sq ft

There are three chances this week to stop by for an open house:

Tonight: 5–7 PM
Saturday, September 12: 1–3 PM
Sunday, September 13: 2–4 PM

I’ll personally be there Sunday and available to answer any financing questions. Come take a look and say hello!

09/09/2026

Tomorrow’s inflation report could influence where mortgage rates go next.

According to the Bureau of Labor Statistics, the August Producer Price Index (PPI) will be released Thursday, September 10, at 8:30 a.m. ET. PPI measures changes in the prices domestic producers receive for goods and services, giving us another look at inflation pressures.

Investing.com’s economic calendar currently lists a forecast of a 0.4% monthly increase, following July’s flat reading. The key will be how the actual numbers compare with what markets already expect.

Here’s what that could mean for mortgage rates:

• Cooler than expected: Could ease inflation concerns and support lower rates.

• Hotter than expected: Could put upward pressure on rates.

• Close to expectations: May produce a smaller reaction, with the underlying details taking on more importance.

Mortgage rates respond to the bond market, so one report doesn’t guarantee a move in either direction. I’ll be watching whether price pressures are concentrated in a few categories or spread more broadly, along with how mortgage bonds react.

I’ll post an update after the data comes out, breaking down what we learned and how mortgage rates are responding.

09/07/2026

Ever wonder what's really happening in the housing market? This week's mortgage application data offers a clear signal: buyers are back.

National purchase applications jumped 1.0% from last week, an impressive 17.1% higher than this time last year. This isn't just a number; it's a direct measure of how many people are actively applying for home loans.

What does this mean for YOU?

If you're a buyer, don't underestimate the competition. Even with tight affordability, serious players are making moves. This market demands decisiveness.

For real estate agents, consider this your call to action. Strong demand persists, especially for homes that are priced competitively and presented impeccably. The opportunities are there for those ready to seize them.

Let's discuss how this trend impacts your strategy. Reach out for a personalized market insights.

Your home, but better! Making even small upgrades can increase your home's value when it comes time to sell. ✨If you had...
09/04/2026

Your home, but better! Making even small upgrades can increase your home's value when it comes time to sell. ✨

If you had to pick ONE upgrade to do TODAY, which would it be? 🛠️

09/02/2026

Mortgage rates are still moving higher, and right now the biggest pressure is coming from the bond market.

According to Mortgage News Daily, rising oil prices have been pushing inflation expectations higher, which has put upward pressure on Treasury yields and mortgage rates. The average top-tier 30-year fixed reached 6.89% yesterday, its highest level since June 2025.

But oil isn’t the only factor.

According to Reuters, we’re also seeing a broader global bond selloff driven by concerns over inflation, government debt, and heavy borrowing. U.S. Treasury yields are climbing along with government borrowing costs around the world.

For homebuyers, the important takeaway is that mortgage rates don’t move based on one headline or one Fed speech. They’re constantly responding to what investors think inflation, the economy, and future interest rates will look like.

This week’s economic data could give the market another reason to move, in either direction.



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Rates effective 9/2/26. Rates quoted are estimates and based on a qualifying credit score. Loan-to-Value’s (LTV) of 95% for Conventional Loans, 100% for VA Loans, and 96.5% for FHA Loans. This payment does not include taxes and homeowner’s insurance and is an estimate; your actual payment will be higher. An annual and monthly mortgage insurance premium may be required and will vary depending on the loan characterization. Payments and rates may vary based on borrower’s credit score, actual closing costs and other variables. Depending on your situation, flood, property hazard, and mortgage insurance may be needed, which could increase the monthly payment and Annual Percentage Rate (APR).

The backyard upgrade they've been waiting for. 🐾💛
08/31/2026

The backyard upgrade they've been waiting for. 🐾💛

08/31/2026

The Fed didn’t change interest rates on Friday, but markets definitely reacted to Fed Chair Kevin Warsh’s Jackson Hole speech.

Warsh emphasized that inflation is still too high and that the Fed needs confidence it’s moving back toward the 2% target. He did not commit to a specific rate move, but markets viewed his comments as hawkish.

According to Reuters, the probability traders assigned to a September Fed rate hike jumped from roughly 35% before the speech to about 56% afterward. Treasury yields moved higher, while the S&P 500 and Nasdaq finished lower.

According to Mortgage News Daily, that bond market selloff also pushed mortgage rates to their highest levels in just over three weeks.

This week, the focus shifts to economic data. According to the New York Fed, we’ll get JOLTS, ISM, and ADP employment data, followed by Friday’s August jobs report from the Bureau of Labor Statistics.

For mortgage rates, stronger-than-expected data could keep upward pressure on yields, while softer data could provide some relief.

As always, the Fed does not directly set mortgage rates, but its policy outlook has a major influence on the bond market that does.

Build equity, build wealth, and build your future.Your home can be more than a monthly payment! It can be an important p...
08/24/2026

Build equity, build wealth, and build your future.

Your home can be more than a monthly payment! It can be an important part of your financial strategy. Swipe through to explore ways homeowners may be able to build and leverage equity over time.💰

08/24/2026

What is a mortgage recast?

A mortgage recast is a way to lower your monthly payment after making a large lump-sum payment toward your principal balance.

Here’s how it works:

You make a substantial principal payment, then your loan servicer recalculates your monthly payment based on the new, lower balance while keeping your existing interest rate and remaining loan term in place.

For example, if you buy a home and later sell another property, receive a bonus, or come into additional cash, you may be able to apply that money toward your mortgage and then recast the loan.

The potential benefit is a lower monthly payment without having to refinance into a new mortgage.

A few important things to know:

- Your interest rate stays the same
- Your remaining loan term generally stays the same
- Your principal balance is reduced
- Your monthly principal and interest payment is recalculated
- Not every loan or servicer allows recasting
- Minimum lump-sum amounts and fees can apply

This can be a useful strategy for buyers who want to purchase before selling their current home, or for homeowners who expect to make a large principal payment after closing.

If you’re considering a home purchase and want to understand whether a recast could fit into your financing strategy, I’d be happy to walk through the numbers with you.

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6635 Electric Avenue
Warrenton, VA
20187

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