Ken Dilger Home Loans , NMLS 132974

Ken Dilger Home Loans , NMLS 132974 At Bailey and Wood FInancial Group, we pride ourselves on our superior, one-on-one service.

Wishing everyone a safe, relaxing, and enjoyable Labor Day weekend!
09/07/2026

Wishing everyone a safe, relaxing, and enjoyable Labor Day weekend!

09/04/2026

Rates are going up and here is why!

Good morning,

The August Employment Report came in much stronger than expected this morning. Employers added 162,000 jobs which was well above market expectations of roughly 55K. The unemployment rate remained at 4.1%.

The data confirms that the economy remains more resilient than many investors anticipated. As a result, rates are noticeably worse with the 10-year Treasury currently sitting at 4.80.

What Does This Mean for Borrowers?

Today serves as a reminder that rates can move quickly when economic data surprises expectations.

That said, our advice generally doesn't change based on a single economic report. If the deal makes sense for your borrower today, lock it. If the market improves, we may be able to help. If the market worsens, it's much harder to help after the fact.

Have a great Friday and let us know how we can help.

TESTIMONIAL THURSDAYTestimonial Thursday is one of my favorite days! Thank you, for taking the time to share your experi...
09/03/2026

TESTIMONIAL THURSDAY
Testimonial Thursday is one of my favorite days! Thank you, for taking the time to share your experience! I truly appreciate your trust!

Stop guessing and start planning! Here are 3 mistakes to avoid when preparing to buy a home!
09/02/2026

Stop guessing and start planning! Here are 3 mistakes to avoid when preparing to buy a home!

08/31/2026

Why mortgage rates don't always follow the Fed

Many borrowers assume a Fed rate hike automatically means higher mortgage rates. In reality, mortgage rates are driven more by long-term Treasury yields and mortgage-backed securities than the Fed's overnight rate. Markets often price in expected Fed actions months before they happen. The market is always looking ahead which is why you'll occasionally see mortgage rates rise before a Fed hike or move lower after one

TESTIMONIAL THURSDAYThank you for letting me be part of your home buying journey!
08/27/2026

TESTIMONIAL THURSDAY
Thank you for letting me be part of your home buying journey!

08/25/2026

Market Update!

Mortgage rates will likely take their cues from two major events this week: Wednesday's inflation data and Friday's Jackson Hole symposium speech from Fed Chair Kevin Warsh.
Markets remain focused on whether inflation is cooling enough to allow interest rates to stabilize. The Fed's preferred inflation measure (PCE), along with GDP and consumer spending data, will be released Wednesday and could significantly influence Treasury yields and mortgage pricing.

Markets are also monitoring ongoing Middle East tensions which continue to impact energy prices and inflation expectations. Higher energy costs can create additional upward pressure on rates.

Beyond interest rates, this week's housing data may provide a clearer picture of affordability. Home price reports, new home sales, and consumer confidence data will help determine whether buyers are becoming more comfortable entering the market. While rates remain a challenge, slower home price appreciation and ongoing builder incentives continue to create opportunities for well-qualified buyers.

Planning to apply for a home loan soon? Make sure you know these 4 tips!
08/25/2026

Planning to apply for a home loan soon? Make sure you know these 4 tips!

The best part of this job? Seeing my clients become homeowners!
08/20/2026

The best part of this job? Seeing my clients become homeowners!

Your future home starts with believing it's possible!
08/19/2026

Your future home starts with believing it's possible!

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740 Main Street
Whiteland, IN
46184

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