My Clients on Working with Me:

“Evan and his team made this such a smooth, clear process for a first time home buyer. I was anxious entering the process, but Evan was always there to answer my many questions and guide me through everything step by step. I would highly recommend Mortgage Trust to any potential home owner.”

“Everyone at Mortgage Trust was wonderful throughout the whole process. Communication within the team, between Mortgage Trust and the title company, and my agent, made the whole process fell so easy + smooth.”

“Evan and [his] team were professional, prompt, and knowledgeable. We were kept informed of our loan progress and never felt out of the loop.”

“Amanda + Evan were wonderful. They helped me with my refinance. Their communication was exceptional – responded quickly to all my calls and emails. Thanks you so much for all your help.”

The Latest from My Blog

Mortgage Rate Update September 26, 2016

Mortgage rates remain at improved levels following last Wednesday’s Fed statement. Momentum from the Fed which is favoring mortgage rates may be running out of steam.  A quick look at the yield on the US 10-year treasury note, which mortgage rates loosely follow, shows that rates have improved by ~.125%.  From a technical perspective the […]

Mortgage Rate Update September 22, 2016

Mortgage rates are better today as compared to Monday. There is a lot to cover today. First, the highly anticipated Fed meeting concluded yesterday.  As expected the Fed did not make any changes to short-term interest rates.  However, the Fed did signal to the markets that it is probable that they will hike at their […]

Mortgage Rate Update September 19, 2016

Mortgage rates have traded sideways since the last ‘rate update’ on Thursday of last week. This week’s economic calendar is short on length but long on significance. This morning’s National Home Builder Housing Market Index came in stronger than expected.  We’ll learn more about housing tomorrow when housing starts and building permit numbers are released. […]

Mortgage Rate Update September 15, 2016

Mortgage rates remain unchanged from Monday.  In case you missed it mortgage rates rose by ~.125% the latter half of last week. The economic calendar was full of significant releases today. First off, retail sales softened during the month of August declining by .3%.  This was a larger decline that analysts had expected and is […]

Mortgage Rate Update September 12, 2016

Mortgage rates have inched higher but still remain incredibly attractive from a historical perspective. The financial markets have reacted to recent Fed speeches which have led the public to believe that there is a reasonable case for a rate hike at the next monetary policy meeting which is taking place September 20-21st. Today we heard […]

Mortgage Rate Update September 8, 2016

Mortgage rates are continue to tread water.  Essentially mortgage rates have been more or less unchanged for a month. Speaking of not changing, this morning the European Central Bank (ECB) announced this morning that they would leave their monetary policy stance the same.  The announcement delivered by ECB President Mario Draghi was largely expected.  Here […]

Mortgage Rate Update September 9, 2016

Here we go again!  It’s hard to believe summer is over and a new school year has begun. Mortgage rates are unchanged from my last ‘rate update’ on August 22nd.  They remain very near all-time low levels. This week’s economic calendar is very light.  I expect mortgage rates to react to dynamics in the stock […]

Mortgage Rate Update August 22, 2016

Housekeeping: ‘Rate Update’ will be on vacation for the remainder of August.  Look for the next ‘rate update’ to take place after Labor Day. Mortgage rates are unchanged from last Thursday. This week’s economic calendar is relatively light which is fitting given that we are in the “dog days of summer”.  What will be closely […]

Mortgage Rate Update August 18, 2016

Mortgage rates are unchanged from Monday. Yesterday minutes from the last Fed meeting were released.  They indicated that a some on the monetary policy committee believes the timing is ripe for another rate hike.  These “hawks” cite a strong labor market and steady economic growth. However, the “doves”, those on the committee who are not […]

Mortgage Rate Update August 15, 2016

Mortgage rates are mostly unchanged from last Thursday although pricing is a touch worse at the same note rates. Technical trading patterns are what I am most interested in to start the week.  They are also the most difficult to convey in a written format.  Below is a chart of mortgage-backed bond (MBS) trading. MBS’s […]