Jon Ritter at Ritter Mortgage Group

Jon Ritter at Ritter Mortgage Group Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Jon Ritter at Ritter Mortgage Group, Loan service, 1230 Nottingham Road, Westminster, MD.

Mortgage Broker | Top 1% Loan Originator | Purchase, Refi & Every Loan Type | Partnering with Realtors & Buyers Across 12 States | NMLS #210106
Get Started --> https://jonritter.com/get-started

Thinking about buying? Get the facts on buying in 2026? -> link in comments.
09/01/2026

Thinking about buying? Get the facts on buying in 2026? -> link in comments.

đź“ŠOvernight into this morning, U.S. forces struck Iranian missile launchers after intelligence indicated Iran was prepari...
08/31/2026

đź“ŠOvernight into this morning, U.S. forces struck Iranian missile launchers after intelligence indicated Iran was preparing to mine the Strait of Hormuz. Iran retaliated with missiles at two U.S. bases in Jordan. Further retaliation has been signaled. Oil was up roughly 3.5% as of this morning. Inflation pressures are back.

Bond market, right now: the 10-year is at 4.76%, up about 4.7bps today. Two things are pushing it — hawkish Jackson Hole comments from Fed Chair Warsh (market now pricing roughly 64% odds of a September hike) and the oil move from the Iran exchange adding to inflation expectations.

If you're weighing a loan decision this week, let's talk before you decide anything.

Thaks for your review, Taylor - we're glad it was such a positive experience.
08/27/2026

Thaks for your review, Taylor - we're glad it was such a positive experience.

Mortgage decisions are tradeoffs: breakeven, time horizon, risk.➡️Read the full article:https://rittermortgage.com/mortg...
08/25/2026

Mortgage decisions are tradeoffs: breakeven, time horizon, risk.

➡️Read the full article:
https://rittermortgage.com/mortgage-mistakes-2026/





Ritter Mortgage Group, Inc. | NMLS #1436890 | Jon Ritter NMLS #210106 | Equal Housing Lender

A weaker U.S. economy normally argues for lower rates, but the Fed can't cut into an inflation shock it didn't create an...
08/24/2026

A weaker U.S. economy normally argues for lower rates, but the Fed can't cut into an inflation shock it didn't create and can't control from a desk in Washington. Mortgage rates are mostly flat this week at 6.65%, with pressure on which way “Economic D-Day” actually impacts Iran. Every piece of data that's supposed to bring your rate down came in soft — jobs, GDP, consumer confidence — and none of it matters, because oil is moving the opposite direction, sitting at $92 a barrel as Washington's toughest sanctions yet on Iranian oil take effect this morning, and Tehran counters by threatening to halt Gulf oil flow entirely. Iran has been under sanctions for nearly five decades and claims no further damage can be done — yet its president signaled Friday that he'd like to end the war soon. Right now, the nearest real off-ramp is Oman's mediation trip to Tehran tomorrow — if that produces any easing on shipping, rates get room to move; if it doesn't, they likely sit close to where they are until something shifts this stalemate.

Thanks for sharing, Ashley - we're thrilled it was such a good experience that you feel to recommend us.
08/20/2026

Thanks for sharing, Ashley - we're thrilled it was such a good experience that you feel to recommend us.

📊 A few people have asked this week whether rates are heading up or down — fair question, it's been a wild few days. Her...
08/17/2026

📊 A few people have asked this week whether rates are heading up or down — fair question, it's been a wild few days. Here's what we're seeing:

The big ticket market item this morning is the Iran ceasefire expiring today, but like everyone else, we don't know. We do concur though, with Tim Watererm, Chief Market Analyst at KMC Trade that, "even if an agreement is eventually annoucned, history suggests these understanding can prove fragile."

What the market is actually doing:

➡️ Last week, the odds of a Fed rate hike in September dropped from 75% to 32% this month. Two cooler inflation reports — CPI on August 12, PPI on August 13 — did that.
➡️ That relief lasted about three days. Oil climbed back above $91 a barrel, up 7% over the past month, as the Iran conflict and Strait of Hormuz tensions continue.
➡️ Oil is pushing the 10-year Treasury back up, and mortgage rates followed it higher again this morning.
➡️ Back in July, the Fed held its benchmark rate at 3.50%-3.75%, though three officials wanted to raise it. FOMC minutes come out Wednesday, ahead of the September 16 meeting. We think we'll hear hints of no rate increases. The question remains whether they could signal decreases.
➡️ If Middle East tensions ease so oil can flow and bring energy costs in line, rates have room to fall. If it doesn't, we'd expect them to hold here or climb, regardless of what the Fed does.

If you're timing a purchase or refinance, reach out — we're happy to talk through your options.

We love that you came back to us, Zach - it was a pleasure to help you and your wife with the next home together.
08/13/2026

We love that you came back to us, Zach - it was a pleasure to help you and your wife with the next home together.

Did you know rates tend to cycle every 2-3 weeks? - Most people don't, which is why lenders get away with costing you, t...
08/11/2026

Did you know rates tend to cycle every 2-3 weeks? - Most people don't, which is why lenders get away with costing you, the buyer, thousands of dollars. To learn more insider tips, check out the blog I wrote for the company site, The Buyer's Brief - link in comments.

đź“Š Monday Morning Update: August 10th, 2026At a time when the world is more than a little confusing, I wanted to write a ...
08/10/2026

đź“Š Monday Morning Update: August 10th, 2026

At a time when the world is more than a little confusing, I wanted to write a blog article to help clients understand what really goes on behind the veil in mortgage lending.

The article covers why lenders come in and out of market, who actually has the best rates, and why and when that changes — among other topics — things even seasoned home buyers may never have fully understood.

Link to blog article: https://rittermortgage.com/the-buyers-briefing/

— Jon

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1230 Nottingham Road
Westminster, MD
21157

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