My Clients on Working with Me:

My wife and I are extremely pleased with the service we have received from you.  You made it easy to buy a house.

Thank you for helping us in the house buying process!  We are so thankful for your attention to detail and ease in which you communicate.  You answered questions quickly and efficiently and made us feel comfortable with every decision we needed to make.  Your weekly updates helped us to know that we weren’t just another number, but clients that you valued (or at least it seemed that way!)  We will absolutely recommend you to our friends and family!

You have been great to work with from start to finish…You’ve been super knowledgeable and professional to work with, and I have always felt like I knew exactly where we were in the process.  I will most definitely recommend you, and already have.  Keep up the awesome work!  Looking forward to working with you in the future!

Thanks for your help.  You guys do provide great service.  I will be happy to recommend you to folks in the future.

We could not be happier.  You took cae of our new mortgage completely and everything went perfect.  Thanks again!

Kudos to you for putting out such an amazing e-mail to your clients!!  You are my new loan officer poster child.  Having the clients aware of what is going on is truly appreciated by those of us in escrow (as well as the clients themselves).

The Latest from My Blog

Mortgage Rate Update May 19, 2016

Mortgage rates worsened following yesterday’s release of the minutes from the most recent Fed meeting.  Have the markets overreacted? The chart below shows the yield on the US 10-year treasury yield which increased sharply yesterday (mortgage rates followed suit). Why this reaction?  The Fed meeting minutes signaled a possible Fed rate hike as soon as […]

Mortgage Rate Update May 9, 2016

Mortgage rates are modestly better to start the week. In case you missed it Friday’s all-important jobs report was a miss.  The markets had been expecting 205,000 new jobs for the month of April and instead the report showed only 160,000.  This follows last month’s report which showed that only 156,000 new jobs were created […]

Mortgage Rate Update May 5, 2016

Mortgage rates are essentially unchanged from the beginning of the week. The economic highlight of the week arrives tomorrow when the Bureau of Labor Statistics releases the monthly employment report (click HERE to learn how the report impacts mortgage rates) for April.  Current expectations are that 205,000 new jobs will be announced. On Wednesday, private […]

Mortgage Rate Update May 2, 2016

Mortgage rates are unchanged from the latter half of last week. Long-term interest rates, including mortgage rates, are inversely correlated to inflation.  This is because inflation essentially chips away at the return earned by lenders.  Inflationary pressure has been meek over the past few years as wages have been stagnant and commodity prices, including oil, […]

Mortgage Rate Update April 28, 2016

Although mortgage note rates are unchanged today the pricing is improved from Monday so in fact conditions are better.  Applicants should be able to lock today with slightly lower closing costs compared to earlier in the week. Pricing for mortgage rates improved following the release of yesterday’s monetary policy statement from the Federal Reserve.  In […]

Mortgage Rate Update April 25, 2016

Mortgage rates are unchanged from the second half of last week.  As I wrote about last Thursday mortgage rates increased by ~.125% over the course of last week. This week’s economic calendar is jam packed with significant releases that could impact mortgage rates. On Tuesday the latest version of the S&P Case-Shiller home price index […]

Mortgage Rate Update April 21, 2016

Mortgage rates have worsened slightly from the beginning of the week alongside the yield on the US 10-year treasury note.  On Monday the yield on the US 10-year treasury note was 1.77% and currently it is 1.88% (+.11%). The culprit?  Positive signs for the labor are pressuring rates higher. Each Thursday the Labor Department reports […]

Mortgage Rate Update April 18, 2016

Essentially mortgage rates are unchanged from last week.  They have oscillated within a .125% range since the beginning of April with only minor volatility. Anytime we see prolonged periods of sideways trading I get nervous that a “breakout” is near.  A “breakout” is when rates move sharply one way or the other and given that […]