Ethos Lending - Siegel Lending Team

09/09/2026

Hey, as long as I help the one who needs it!

09/09/2026

09/09/2026

09/09/2026

09/08/2026

📉 Oil Is Doing the Damage. Friday's CPI Could Finish the Job.

Mortgage bonds opened Tuesday strong and gave it all back, closing about 12 basis points lower. Where things stand:

✅ UMBS 5.5 finished at 98.69
✅ 10-year yield closed at 4.79%, still under the 4.82% ceiling
✅ Middle East tension is pushing oil toward $100 a barrel
✅ Friday's CPI is expected to jump well past last month's 0.1%
✅ Top-tier 30-year fixed near 6.89%, just under the highest mark since June 2025

Higher oil feeds inflation, and inflation is what bonds fear most. The risk this week tilts toward higher rates, not lower ones. 🛢️

Waiting for a better number is only a strategy if you have a plan for the number you actually get.

Have your next step mapped out before Friday. Send us a message and we will walk you through it. 📩

Not a rate quote or offer. Your rate will vary and not all borrowers qualify.

09/08/2026

🏡🇸 VA Tip of the Day 🇺🇸🏡

Before writing an offer, it’s important to understand that a VA appraisal is NOT designed to make the process harder. Its purpose is to ensure the home meets basic safety, sanitation, and structural standards outlined in the VA Lender Handbook.

From safe electrical systems ⚡ to proper drainage 💧 and a roof with remaining life 🏠, many of these items can — and should — be identified BEFORE the appraisal even happens.

The truth is: who you work with matters. 🤝
An experienced VA lender and knowledgeable real estate team can help veterans avoid unnecessary surprises, delays, and stress during the homebuying process.

And remember… there is no such thing as a “VA Inspector.” It’s simply a licensed appraiser making sure the property meets minimum requirements.

🎯 Thinking about using your VA loan benefit?
Get educated, get prepared, and work with professionals who understand the process.

👉 RSRLinks.com/VALoan

09/08/2026

09/08/2026

You can’t control mortgage rates… but you’re not stuck

Here’s what you can control:

• Your credit score
Even small improvements can help you qualify for better terms
• Your loan type
Different programs = different benefits + options
• Your loan term
15, 20, 30 years... each one changes your payment and strategy

Most people focus only on rates…
But these 3 things can make a BIG difference too

Control what you can, and that’s how you win
Want help improving your numbers? Send me a message and let’s map it out

09/08/2026

09/08/2026