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Monday 8am - 8pm Tuesday 8am - 8pm Wednesday 8am - 8pm Thursday 8am - 8pm Friday 8am - 8pm Saturday 10am - 6pm Sunday 10am - 6pm

http://www.unfairadvantagelending.com/

Unfair Advantage Lending Group, Winter Garden, FL (2026)

05/22/2023

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗠𝗮𝘆 𝟮𝟮, 𝟮𝟬𝟮𝟯

𝗥𝗲𝗰𝗮𝗽 𝗼𝗳 𝗹𝗮𝘀𝘁 𝘄𝗲𝗲𝗸: 𝗥𝗮𝘁𝗲𝘀 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝘄𝗼𝗿𝘀𝗲 👎
The outlook for mortgage rates unexpectedly shifted last week, as Fed members made it clear that they expected to pause rate hiking in June but were leaving the door open for more hikes in the future if needed. A couple of weeks ago markets had been pricing in Fed rate cuts to begin as early as July, but markets now expecting the Fed to hold rates longer. This shift in outlook has pressured mortgage rates to slowly move higher.

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗺𝗼𝘃𝗲 𝗵𝗶𝗴𝗵𝗲𝗿 👎
With little in the way of economic data and a holiday weekend, it isn't likely we see a change in the current outlook and we could see rates creep slightly higher this week. Rates unlikely to move lower again until the Fed outlook changes.

🗓️ 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Economic data: Little data this week that is likely to affect rates, other than Friday's PCE inflation report.
- Debt ceiling talks: Although concerns of a U.S. default due to not raising the debt ceiling are having some effects on markets, there hasn't been a spillover into mortgage rates yet and likely wouldn't be unless we start to actually default on debt payments.
- Fed speakers: Fed members speaking throughout the week could continue to cause rates to creep higher.

05/19/2023

𝗗𝗼𝗻'𝘁 𝗹𝗲𝘁 𝗷𝘂𝘀𝘁 𝗴𝗲𝘁𝘁𝗶𝗻𝗴 '𝗽𝗿𝗲𝗾𝘂𝗮𝗹𝗶𝗳𝗶𝗲𝗱' 𝗰𝗼𝘀𝘁 𝘆𝗼𝘂 𝘆𝗼𝘂𝗿 𝗰𝗵𝗮𝗻𝗰𝗲 𝗮𝘁 𝗮 𝗵𝗼𝗺𝗲!

𝗜𝗻𝘀𝘁𝗲𝗮𝗱, 𝘆𝗼𝘂 𝗺𝗮𝘆 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝘄𝗮𝗻𝘁 𝘁𝗼 𝗴𝗲𝘁 𝗽𝗿𝗲𝗮𝗽𝗽𝗿𝗼𝘃𝗲𝗱.

What is the difference? 🤔

👉 Getting prequalified is the process of providing a mortgage lender with some background information like your credit, income, and expenses so the lender can help you determine how much you can afford and what you are likely to qualify for.

👉 A preapproval, however, means you've provided the lender with proof of your income and assets and had a credit check to determine exactly how much you can be approved for. In some cases, a preapproval can show you are approved for a loan before making an offer, which makes your offer stronger and could help you win a bidding war.

𝗪𝗵𝗶𝗰𝗵 𝗼𝗻𝗲 𝗶𝘀 𝗿𝗶𝗴𝗵𝘁 𝗳𝗼𝗿 𝘆𝗼𝘂? 𝗚𝗶𝘃𝗲 𝗺𝗲 𝗮 𝗰𝗮𝗹𝗹 𝗼𝗿 𝗰𝗼𝗻𝘁𝗮𝗰𝘁 𝗺𝗲 𝗱𝗶𝗿𝗲𝗰𝘁, 𝗮𝗻𝗱 𝗜'𝗹𝗹 𝗯𝗲 𝗵𝗮𝗽𝗽𝘆 𝘁𝗼 𝗵𝗲𝗹𝗽 𝘆𝗼𝘂 𝗱𝗲𝗰𝗶𝗱𝗲. 👍

I can provide either one, depending on your unique situation and where you are in the house hunting process.The best part? The conversation is absolutely free, and there's no obligation. 🏡 😁

05/15/2023

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗠𝗮𝘆 𝟭𝟱, 𝟮𝟬𝟮𝟯

𝗥𝗲𝗰𝗮𝗽 𝗼𝗳 𝗹𝗮𝘀𝘁 𝘄𝗲𝗲𝗸: 𝗥𝗮𝘁𝗲𝘀 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝘄𝗼𝗿𝘀𝗲 👎
Although mortgage rates did improve midweek after data showed both consumer and wholesale inflation continued to drop, rates moved higher on Friday to end the week just slightly worse.

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗹𝗶𝗸𝗲𝗹𝘆 𝘁𝗼 𝗯𝗲 𝗯𝗮𝘀𝗶𝗰𝗮𝗹𝗹𝘆 𝘂𝗻𝗰𝗵𝗮𝗻𝗴𝗲𝗱 👍🏻
This week mortgage rates are likely to move slightly day-to-day, but the overall moves for the week are likely to be small. Mortgage rates are in a tight window right now, and will likely stay that way through the end of the month unless something unforeseen or unexpected happens such as the U.S. defaulting on its debt. Although rates are expected to slowly move lower over time, it doesn't look likely we will see any big moves lower this week.

🗓️ 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Economic data: A quiet week for data, reports such as Tuesday's retail sales data will not have a big affect on rates this week.
- Debt ceiling talks: Although concerns of a U.S. default due to not raising the debt ceiling are having some effects on markets, there hasn't been a spillover into mortgage rates yet and likely wouldn't be unless we start to actually default on debt payments.
- Fed speakers: Fed members speaking throughout the week could cause small movements in rates.

05/08/2023

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗠𝗮𝘆 𝟴, 𝟮𝟬𝟮𝟯

𝗥𝗲𝗰𝗮𝗽 𝗼𝗳 𝗹𝗮𝘀𝘁 𝘄𝗲𝗲𝗸: 𝗥𝗮𝘁𝗲𝘀 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝗱 👍🏻
Mortgage rates improved slightly last week, with the best rates on Thursday after the Fed meeting before losing a little bit of ground Friday with strong jobs data. All movements were small though, with surprisingly little reaction to the Fed meeting.

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗶𝗺𝗽𝗿𝗼𝘃𝗲 👍🏻
This week mortgage rates will react to inflation data, which is currently expected to show inflation continuing to cool, which would then support a Fed rate hike pause in June. Although rates are not likely to come down significantly, we could see at least slightly better rates to end the week if the data goes our way.

🗓️ 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Inflation data: Wednesday brings the CPI consumer inflation report, a key report that could help rates improve if it shows a significant drop in inflation. Thursday brings wholesale inflation, not as important to mortgage rates but still having some effect.
- The Fed: Speculation of future Fed policy rate actions will continue to impact mortgage rates over the next few months. Rates will improve on any news that shows disinflation or a slowing economy, because the Fed will have to start cutting rates later this year or early 2024 if we find ourselves in a recession.

05/05/2023

🏡 Despite higher mortgage rates, home prices really haven't come down in most markets and some people are still talking about a housing bubble.

The reality though is that 𝗪𝗘 𝗔𝗥𝗘 𝗡𝗢𝗧 𝗜𝗡 𝗔 𝗛𝗢𝗨𝗦𝗜𝗡𝗚 𝗕𝗨𝗕𝗕𝗟𝗘.

𝗛𝗲𝗿𝗲 𝗮𝗿𝗲 𝟯 𝗿𝗲𝗮𝘀𝗼𝗻𝘀 that this market is totally different than the housing bubble we experienced a little over a decade ago...

✅ 𝗛𝗼𝘂𝘀𝗶𝗻𝗴 𝘀𝘂𝗽𝗽𝗹𝘆 𝗶𝘀 𝗲𝘅𝘁𝗿𝗲𝗺𝗲𝗹𝘆 𝗹𝗶𝗺𝗶𝘁𝗲𝗱 🏡
Despite higher mortgage rates, home buying demand remains strong. According to the National Association of Realtors, multiple offers are still occurring on about a third of all listings, and 28% of homes are selling above list price.

✅ 𝗛𝗼𝗺𝗲𝗯𝘂𝘆𝗲𝗿𝘀 𝗮𝗿𝗲 𝗺𝗼𝗿𝗲 𝗰𝗿𝗲𝗱𝗶𝘁𝘄𝗼𝗿𝘁𝗵𝘆 👍
In 2008, when the housing market crashed, mortgage standards were at an all time low for credit scores and down payment requirements, as well as proving income and assets to purchase. Current guidelines are much stricter, making the borrowers more financially secure.

✅ 𝗛𝗼𝗺𝗲𝘀 𝗵𝗮𝘃𝗲 𝗲𝗾𝘂𝗶𝘁𝘆 📈
Homeowners were pulling out equity back in 2008, causing many to be upside down. This time around equity levels are extremely high, meaning that homeowners could see values decline slightly without concern.

𝗥𝗲𝗮𝗰𝗵 𝗼𝘂𝘁 𝗮𝗻𝘆𝘁𝗶𝗺𝗲 𝘀𝗼 𝗜 𝗰𝗮𝗻 𝘀𝗵𝗼𝘄 𝘆𝗼𝘂 𝘄𝗵𝘆 𝗻𝗼𝘄 𝗶𝘀 𝗮 𝗚𝗥𝗘𝗔𝗧 𝘁𝗶𝗺𝗲 𝘁𝗼 𝗯𝘂𝘆 𝗮 𝗵𝗼𝗺𝗲, 𝗮𝗻𝗱 𝘄𝗵𝘆 𝘄𝗮𝗶𝘁𝗶𝗻𝗴 𝗰𝗼𝘂𝗹𝗱 𝗽𝗼𝘀𝘀𝗶𝗯𝗹𝘆 𝗰𝗼𝘀𝘁 𝘆𝗼𝘂 𝘀𝗼 𝗺𝘂𝗰𝗵 𝗺𝗼𝗿𝗲!

05/01/2023

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗠𝗮𝘆 𝟭, 𝟮𝟬𝟮𝟯

𝗥𝗲𝗰𝗮𝗽 𝗼𝗳 𝗹𝗮𝘀𝘁 𝘄𝗲𝗲𝗸: 𝗥𝗮𝘁𝗲𝘀 𝘄𝗲𝗿𝗲 𝘂𝗻𝗰𝗵𝗮𝗻𝗴𝗲𝗱 👍🏻
Although moving slightly day-to-day, rates ended the week unchanged last week as was forecasted to happen.

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝘄𝗶𝗹𝗹 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
Mortgage rates are likely to start the week of unchanged before becoming volatile on Wednesday with this month's Fed meeting and subsequent policy statement, followed by Fed Chair Jerome Powell's press conference. On Thursday we could see some reaction in our markets to rate increases at the European Central Bank which could influence mortgage rates, and on Friday we get jobs data which could also cause more volatility.

🗓️ 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- The Fed: The Fed is expected to raise its policy rate by .25% this meeting, marking the 10th straight increase, which won't affect mortgage rates as markets have already priced in the move. However, markets will be watching for signs that the Fed may be done hiking for now, which could help rates, and will closely follow Fed Chair Powell's press conference following the meeting.
- Economic data: The jobs data coming out on Friday is likely to affect mortgage rates, with signs that the labor market remains strong pressuring rates higher while any signs of weakness will help mortgage rates improve.

04/24/2023

🏡 For the week of April 24, 2023

Recap of last week: Rates slightly higher 👎
Rates crept higher last week as expectations shifted that the Fed will not need to cut rates as quickly as was previously expected.

Mortgage Rate Forecast: Rates should hold steady 👍
Rates are unlikely to make any big moves this week, although we could see some day-to-day movement from reactions to economic data. It is unlikely we see rates move significantly higher or lower though, meaning we are unlikely to see moves of more than .25%. There will be no Fed speakers this week, they are gagged ahead of next week's Fed meeting. Next week is much more likely to see rates move with the Fed meeting and jobs data, when rates could go either way depending on how things play out.

🗓️ What's affecting rates this week:
- Economic data: Although there is no data on Monday, the rest of the week has data that could influence rates, including consumer confidence data, durable goods data, first quarter GDP readings, and PCE inflation data on Friday which is the Fed's preferred gauge of inflation.
- Fed outlook: Markets are pricing in a rate hike to fight inflation at next week's Fed meeting, and are expecting the Fed to pause further hikes but to hold its policy rate at 5% before possibly starting to cut rates in September.

04/21/2023

🏡🚀 Hey there, real estate agents and homebuyers! 🤝👋

I've got some 💥EXCITING💥 news to share!

Despite what the mainstream media has been saying, the new adjustments to mortgage rate pricing can actually help those with limited down payment funds💸.

💡𝗗𝗶𝗱 𝘆𝗼𝘂 𝗸𝗻𝗼𝘄❓
The new adjustment structure that the media is talking about actually helps borrowers of ALL credit scores who are putting less money down by reducing fees from what they were a few months ago! 🎊✨

Yes, you heard that right! 😲👍
Lower down payment = lower fees than last year!💰💰💰

💪 Let's work together to make homeownership a reality for everyone! 🤗🌟

Don't forget to share this post with your networks to spread the word about these positive changes. 🗣️📣

🏘️ 🤝🏘️ 🏆🏠

04/17/2023

🏡 For the week of April 17, 2023

Recap of last week: Rates slightly higher 👎
Rates were up a little bit from recent lows, but not by much. Rates moved higher early in the week, then were a little better on Wednesday after the inflation data showed inflation has fallen to the lowest level since May 2021 before moving up a bit as the week ended. Although slightly worse than the week before, rates are still well below March highs.

Mortgage Rate Forecast: Rates could creep higher 👎
Right now the door is open for rates to creep a bit higher this week, as expectations shift that the Fed will not need to cut rates as quickly as was previously expected. If markets don't think the Fed will need to cut rates to fight off a coming recession, we are unlikely to see any big improvements in rates this week.

🗓️ What's affecting rates this week:
- Fed outlook: Mortgage rates are pricing in an expectation that the Fed will raise its policy rate .25% at the May 3rd meeting, and then pause hiking rates. Changes in the expectations of future Fed rate cuts could influence mortgage rates this week.
- Fed speakers: A lot of speeches this week, some may catch the attention of markets and influence the expectations of which direction the Fed will go next.
- Economic data: No big data to worry about this week.

04/10/2023

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗔𝗽𝗿𝗶𝗹 𝟭𝟬, 𝟮𝟬𝟮𝟯

𝗥𝗲𝗰𝗮𝗽 𝗼𝗳 𝗹𝗮𝘀𝘁 𝘄𝗲𝗲𝗸: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗹𝗼𝘄𝗲𝗿 👍
In the middle of last week average mortgage rates hit some of the lowest levels seen since January, before rising on Friday as strong jobs data pushed markets to expect the Fed to hike its policy rate again in May. Rates still ended the week slightly lower.

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
Mortgage rates will find direction this week depending on how markets react to inflation data, as well as speculation of a possible Fed rate hike in May. Markets are expecting a rate hike to come, but if that changes we could see rates improve. We could see rates move more than normal this week, with Wednesday likely to be the most volatile day for rates.

🗓️ 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Economic data: This week we will get the CPI consumer inflation data for March, which if it shows inflation is slowing down could help mortgage rates. A report showing that inflation remains stubborn though could see rates move slightly higher. Wholesale inflation data comes out on Thursday, with a smaller chance of affecting rates.
- Fed minutes: The minutes from last month's Fed meeting will be released on Wednesday, and markets will be looking for signs on whether the Fed will hike its rate in May or not.

04/05/2023

New 5.0-star Review: "Jake was/ is the man with the plan. I so very much enjoyed working with Jake on the purchase of my new home. The processes was quicker then I thought it would be. "

04/03/2023

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗔𝗽𝗿𝗶𝗹 𝟯, 𝟮𝟬𝟮𝟯

𝗥𝗲𝗰𝗮𝗽 𝗼𝗳 𝗹𝗮𝘀𝘁 𝘄𝗲𝗲𝗸: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Last week saw mortgage rates move up from the previous week's lows, but were still better than the first half of March. Rates were pretty consistent through the week, with little movement day-to-day and no real volatile days.

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗺𝗼𝘃𝗲 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Now that the banking turmoil has died down, and markets have been assured that this isn't a systemic failure reminiscent of 2008, expectations of a Fed rate hike in May have increased. That is pressuring mortgage rates for the week. We could see rates do well early in the week, but should be careful near the week's end as the jobs data could push mortgage rates higher.

🗓️ 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Economic data: Jobs data comes on Friday this week, which is Good Friday. Normally the bond market is closed on Good Friday, but it will be open with an early close of 2pm because of the jobs data, while the stock market will be closed for the day. Due to the holiday weekend, we may see more volatility than usual, and rates could move higher quickly if the jobs data shows a strong labor market.
- The Fed: As markets anticipate future Fed rate movements, mortgage rates will be affected. Fed members speaking this week could swing sentiment.

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