SteadFast Lending - NMLS 204257

12/04/2025

📉 All Eyes on the December 10th Fed Meeting 📈
Here’s what it means for mortgage rates…

We’ve got a big Federal Reserve meeting coming up on December 10th, and a lot of people assume that mortgage rates move because of whatever the Fed announces. The truth is a little different:

👉 Mortgage rates are driven mostly by the bond market — not the Fed directly.
👉 Investors often move the market before the Fed even speaks based on what they expect the Fed will do.
👉 That’s why we sometimes see rates drop (or rise) ahead of the actual meeting.

What to watch for on Dec 10th:

Any Fed comments on inflation

The tone around future rate cuts in 2025

Economic outlook and job market comments

Market reaction in the 10-year Treasury yield (this is what truly drives mortgage rates)

Bottom line:
Whatever the Fed does, mortgage rates can react differently — and sometimes opposite — based on how the market interprets the news.

If you’re thinking about buying or refinancing and want to know how the Dec 10 meeting might impact your scenario, message me anytime. I’m happy to break it down in simple terms.

🏡💬 Your mortgage questions are always welcome!

Laci Gabriel
Loan Officer,
NMLS #1124902
Cell: (706) 202-5466
[email protected]

11/05/2025

We couldn’t do this without our loyal clients and referral partners! THANK YOU!

10/30/2025

Most people will hear the headlines today and think one thing.

The Fed lowered rates.

So mortgage rates should drop.

Wrong.

The opposite happened.

Why?

Because what the Fed said mattered more than what the Fed did.

The market was already 99 percent certain we would see a 0.25 percent cut.

That was baked in.
No surprise.
No celebration.
No movement.

But when Fed Chair Powell said there is no guarantee of further cuts and we should not expect them soon, the market listened.
His words tightened expectations.

Not his actions.

That is why mortgage rates moved up.

This is the difference between average reactions and elite understanding of this.

Between now and the next Fed meeting on December 9-10, the only thing that matters is data.

If inflation cools and the economy slows, you will see pressure for more cuts.
If not, buckle up.

10/28/2025

Get preapproved today, start looking for homes tomorrow, go under contract by Saturday, close the first week of December. CHRISTMAS🎄 at your new place‼️ (NO PAYMENT DUE UNTIL FEBRUARY 2026)🔑

Laci Gabriel
​NMLS # 1124902
(706) 202-5466
[email protected]
Apply NOW!!

10/20/2025

🏡 Ever notice that your credit score looks **different** when your lender pulls it for a mortgage? You’re not crazy — and here’s why 👇

Mortage lenders are required to use **specific FICO “Classic” models** — not the newer versions you see on Credit Karma or your banking app.

Here’s what lenders use:
📊 **Experian:** FICO Score 2
📊 **Equifax:** FICO Score 5
📊 **TransUnion:** FICO Score 4

These are **older scoring models**, and they often show a **lower score** than what you see online. It doesn’t mean your credit got worse — it’s just a different formula designed for mortgage lending.

When qualifying for a mortgage loan, lenders use the **middle of your three scores** to determine eligibility.

If you ever want help understanding your credit report or how to raise your mortgage score, I’d be happy to walk you through it!

Laci Gabriel
SteadFast Lending | NMLS #1124902
💻 lacigabriel.com | 📧 [email protected]

10/14/2025

Pink with purpose.
Valor Home Loans stands united in the fight against breast cancer.

10/09/2025

Stay on course! Taking on new debt during the loan process can throw you off track. Keep focused until you’ve reached your homeownership destination.

10/07/2025

Rates change constantly—chasing the “perfect” one can backfire. Focus on long-term goals and overall affordability.

09/26/2025