Virna Brown, Mortgage Lender NMLS #35630

09/08/2026

Homeownership Dreams Growing Stronger Across U.S. States
Dreaming of owning a home? 🏡 In some states, it now takes over 10 years to save for a 20% down payment! Hawaii tops the list at 15.6 years. Is homeownership slipping out of reach? Share your thoughts below! 💬📈
https://www.roomvu.com/agent-news/virna-brown-2115368/1893572-Homeownership-Dreams-Growing-Stronger-Across-U.S.-States

09/08/2026

US Mortgage Refinance Myths to Know
After 34 years guiding families through the mortgage maze, I’ve seen how often myths about refinancing keep people from making smart moves. Here’s what matters: always pull at least three quotes on the same day, and don’t just look at the interest rate—comparing APRs reveals those hidden lender fees and gives you real negotiating power. It’s important to remember refinancing isn’t free; closing costs typically run between 2% and 5% of your new loan. Crunch those numbers ahead of time to know your true break-even point.

A lower rate sounds great, but if you’re starting over with a fresh 30-year loan, you could end up paying more in total interest—even if monthly payments drop. Refinancing replaces your primary lien, so it won’t get in the way if you decide to sell down the road. If you’re considering a cash-out, extra caution is key.

Expect a credit check, too. A strong credit score and a debt-to-income ratio under 36% help you land the best offers. And if you’ve been denied before, improvement is possible—many borrowers come back stronger and get approved. My goal is always to make these numbers make sense, and to help you feel confident about your next step.

09/08/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗦𝗲𝗽𝘁𝗲𝗺𝗯𝗲𝗿 𝟳, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Mortgage rates continued to creep higher last week, helped along by rising oil prices and markets pricing in a possible Fed rate hike this month after Fed Chair Warsh's comments in Jackson Hole and stronger-than-expected jobs data.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝘄𝗼𝗿𝘀𝗲𝗻 👎
This week features a focus on inflation, and if it comes in higher than expected it will pressure rates higher. Rates will also be influenced by oil prices, which continue to rise. It looks likely that mortgage rates will continue to creep higher unless something unforeseen happens this week.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
• The Fed: Mortgage rates currently reflect about a 60% chance of a Fed rate hike this month, and if inflation comes in hot, that could increase. Mortgage rates rise ahead of actual Fed rate hikes, so if markets anticipate a hike after this week's data, it will push mortgage rates higher to end the week.
• Inflation data: Wholesale inflation data comes out on Thursday, with consumer inflation data on Friday. If inflation comes in hotter than expected, it could push mortgage rates up to end the week.
• Oil: If oil prices continue to rise this week, it will pressure mortgage rates higher.

09/08/2026

Ask Me Anything!
Exploring mortgage choices but don’t know the first step?
https://www.roomvu.com/ask-me-anything?branded-user=virna-brown-2115368&share=true&c=2026-09-03

09/07/2026

Current Massachusetts Mortgage And Refinance Rates
A quick update for anyone keeping an eye on Massachusetts mortgage and refinance rates: 30-year fixed rates are now at 6.698% APR, with 15-year fixed rates at 5.889%. Refinance rates have also edged down, staying just below the national average. After 34 years of helping families and individuals through thousands of transactions, I can tell you that shopping around—and keeping your credit in good shape—really pays off. If the numbers ever feel confusing, know you’re not alone; I’m here to make the mortgage process a little less daunting, whether you’re buying your first home, refinancing, or exploring your next investment.
https://www.roomvu.com/agent-news/virna-brown-2115368/1933893-Current-Massachusetts-Mortgage-And-Refinance-Rates

09/07/2026

09/06/2026

Start With a Plan, Not a Listing

09/06/2026

Happy Labor Day!

09/04/2026

Invest Smarter in North Attleborough
Let’s connect and talk about the latest insights in the industry!

09/02/2026

Mortgages for Self-Employed Homebuyers
Let’s connect and talk about the latest insights in the industry!
https://www.roomvu.com/agent-news/virna-brown-2115368/463909-Mortgages-for-Self-Employed-Homebuyers