Ritter Mortgage Group, Inc.

Home
United States
Westminster, MD
Ritter Mortgage Group, Inc.

The Ritter Mortgage Group (NMLS ID # 1436890 - nmlsconsumeraccess.org) provides mortgage services. Our team makes it our mission to meet your needs.

The Ritter Mortgage Group, Led by Jon Ritter, is a team dedicated to your mortgage needs. Whether it is purchase a home or refinancing, we can help you! We are ready to help you and your family. From requesting a quote for a mortgage, finding the best loan option or simply answering your questions. We're your one stop shop for all things mortgage related.

11/04/2026

📊On Monday we said the midterms would add another force on rates. Democrats have now won control of the House and Senate, and so far the bond market's response is small. The 10-year Treasury yield is only slightly lower this morning and mortgage bonds are up, after the 30-year fixed ended Tuesday in the low 7s.

Bond investors expect divided government to limit new spending and borrowing, which eases some pressure on long-term rates. It doesn't reduce the existing deficit, and it hasn't changed expectations for the Fed. Markets still put the odds of a December hike near 80%, and Brent is still above $100.

The 20-25 basis point decline we mentioned Monday is an average over the three months after a midterm, so one morning doesn't confirm or rule it out. Barring geopolitical events, which can shift things at any moment, our next market mover is Friday's October jobs report.

If you're deciding whether to buy or refinance this month, get in touch and we'll go over the numbers.

(Source: Mortgage News Daily index as of November 2026. National market averages shown for educational tracking; individual quotes are tailored to your specific scenario.)
Ritter Mortgage Group, NMLS #1436890 | Jon Ritter, NMLS #210106

11/03/2026

Why Smart Homebuyers Use a Mortgage Broker Instead of a Bank. -> Get Started: rittermortgage.com/apply

11/02/2026

Rates on a 30-year fixed hadn't moved significantly by the end of last week, though there's downward pressure building. They finished Friday in the low 7s, slightly below where they started the week, and are flat this morning from Friday's pricing.

We've been watching several forces pull against each other. Oil and bond yields have moved together for most of this year, but that link weakened in October as attention moved to AI and Big Tech. Oil is down about 6% this morning, a reflection of renewed hopes from talks in Qatar about reopening the Strait of Hormuz, not a change in oil flow. Brent is near $107 today, but federal forecasters' predictions have it dropping to an $84 average in 2027.

Tuesday's midterms add another force. Historically, the 10-year Treasury yield has fallen about 20-25 basis points on average in the three months after a midterm. A strong Democratic showing could also lower yields if investors read it as support for AI regulation, which would pressure tech stocks and reduce growth expectations.

Barring geopolitical events, which can shift things at any moment, our next market movers are Tuesday's election, Wednesday Treasury's refunding announcement and ISM Services, Thursday jobless claims, and Friday, the October jobs report.

If you're deciding whether to buy or refinance this month, get in touch and we'll go over the numbers.

(Source: Mortgage News Daily index as of November 2026. National market averages shown for educational tracking; individual quotes are tailored to your specific scenario.)
Ritter Mortgage Group, NMLS #1436890 | Jon Ritter, NMLS #210106

10/29/2026

Thanks for the review, Branden. We enjoyed working with you and are happy to hear it was a positive experience.

10/27/2026

One of the quieter ways homeowners lose money in 2026: trusting their servicer to act as their advisor.

It's an understandable assumption. The servicer already holds your loan. They have your balance, your rate, your history. When they reach out about a refinance or modification that sounds like a better deal, it can feel like they're looking out for you.

But servicers and advisors perform fundamentally different functions — and that difference matters.

A servicer's role is payment processing, escrow management, and account administration. They are not analyzing whether their offer is the right structure for your financial goals. They are not running your breakeven, assessing your total cost over a realistic hold period, or evaluating your full picture before presenting an offer. They're presenting a product they can sell.

This matters for a few reasons:

1️⃣ Most mortgages are sold in the secondary market after origination. The servicer you're working with is often not the company that originated your loan and has limited context on your long-term situation.

2️⃣ Without independent analysis, you have no benchmark to evaluate whether the offer is competitive, well-structured, or appropriate for the time you'll realistically keep the loan.

3️⃣ The borrowers who lose money here aren't victims of fraud — they're victims of incomplete information. They accepted an offer that may have been fine, or may have been costly, and they never knew which.

The solution is straightforward: before acting on anything from your servicer, get an independent analysis. We offer a complimentary Home Financing Analysis that shows rate, total cost, and breakeven clearly — so you can evaluate any offer against your actual numbers.

Full article and link in the comments. 💙

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

10/26/2026

Rates ticked down last week, mostly on Thursday, when a sharp tech-led stock selloff pushed money into bonds. This morning pricing has softened slightly from Friday -- holding in the low to mid 7s on a 30-year fixed with no points.

The White House's Sunday threats toward Iran barely moved bonds. After months of mixed signals, the market has largely stopped reacting to words and is watching for actions. Oil closed Friday at its highest level since April ahead of a possible weekend strike, then eased this morning when none came. The 10-year Treasury is holding just under 5%.

Barring geopolitical events, which can shift things at any moment, the next scheduled points are Wednesday's Fed decision, where a hold is expected, and Thursday's GDP and inflation reports. If you're buying or refinancing this fall, get in touch with our licensed loan officers to go over your numbers.

(Source: Mortgage News Daily index as of October 2026. National market averages shown for educational tracking; individual quotes are tailored to your specific scenario.)
Ritter Mortgage Group, NMLS #1436890 | Jon Ritter, NMLS #210106

10/26/2026

Before the Fed announcement Wednesday, we like to clear up a common misconceptions we hear:

The Fed doesn't set mortgage rates.

It feels like they should — but mortgage pricing is actually driven by the bond market and investor demand. The Fed sets the mood; the bond market sets the price.

If you've been waiting on the sidelines for a Fed rate cut before you make a move either to save money or to buy, you're not alone — but that strategy tends to create more frustration than results.

What works better is building a plan that makes sense across a range of outcomes — buying and refinancing when the home is right and the numbers work for you. News cycle are not the key to optimizing your finances.

Jon, our president, wrote a full breakdown of how mortgage rates actually get priced — worth a read before the announcement:
👉 https://jonritter.com/mortgage-rates/

10/22/2026

Wonderful to hear, Brynne! Thanks for taking the time to leave a review. We're glad your experience with Brian is such a positive one.

10/21/2026

Need to Sell Your House FAST? Do These 5 Things First.

10/20/2026

Most borrowers evaluate mortgages the same way they evaluate any financial product: they find the lowest rate and assume that's the best option.

It's a reasonable instinct. The rate is the most visible number, and it's the easiest to compare. The problem is that it's also an incomplete measure of what a loan actually costs.

A sound mortgage decision comes down to three questions — and most borrowers are only asking one of them.

1️⃣ Breakeven: when does the loan actually start saving money?
Every loan structure has a cost — points, fees, or both. Breakeven is the number of months it takes for the monthly savings to recover those costs. If a borrower sells, refinances, or changes strategy before that point, the lower rate may never produce a single dollar of actual savings. It's one of the most important numbers in mortgage math, and most borrowers never see it.

2️⃣ Cash flow vs. net worth: are you improving the right one?
These are not the same thing, and they often move in opposite directions. A loan that reduces the monthly payment can increase total interest paid over the life of the loan. A loan that raises the payment slightly can meaningfully reduce long-term cost and preserve equity. Neither outcome is inherently right — but treating them as interchangeable leads to decisions that feel good in the short term and disappoint over time.

3️⃣ Risk: does this loan improve or weaken your financial position?
Rate tells you the price of borrowing. It doesn't tell you what the loan does to your overall balance sheet — your equity position, your exposure, your financial flexibility going forward. Those are real variables. A good loan decision accounts for them.
When a mortgage is evaluated this way, the rate becomes one variable within a strategy — not the conclusion. This is how we think about every loan at Ritter Mortgage, and it's what a Home Financing Analysis is designed to show: breakeven, cash flow, and net worth impact clearly laid out in one place.

Full article in the comments — five mortgage mistakes costing homeowners the most in 2026. 💙

Which of these three do you think most borrowers overlook? 👇

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

Address

1230 Nottingham Road
Westminster, MD
21157

Website

https://rittermortgage.com/, https://www.nmlsconsumeraccess.org/, https://rittermortgage.com/apply/

Alerts

Be the first to know and let us send you an email when Ritter Mortgage Group, Inc. posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.