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The Federal Open Market Committee (FOMC), chaired by Jerome Powell, announced its much-anticipated interest rate decision, marking a pivotal moment for the mortgage market. The committee decided to lower the benchmark rate by 25 basis points. Important Factors Why This Matters for Mortgage Professionals Federal Reserve Chair Jerome Powell indicated that this rate cut marked
READ MOREMortgage rates hit a year-to-date low this week but could be volatile in the coming weeks based on new economic data. A funny thing happened when the Federal Reserve began cutting interest rates last fall: Mortgage rates actually rose. Now, the central bank is gearing up to cut benchmark interest rates again, and there’s a
READ MORESuzie Wilsonwww.happierhome.net You built something from the living room. Maybe the spare bedroom doubled as your office, your inventory took over the hallway, and your family started dodging ring lights or packing tape. It’s a sign—your home-based business is outgrowing the home. But expanding into a larger property isn’t just a lifestyle move; it’s a
READ MOREThe economy is sending mixed signals right now. The good news? The U.S. economy grew faster than expected in the second quarter—up 3% compared to the 2.4% economists predicted. The not-so-good news? July’s jobs report came in weak, showing some cooling in the labor market. For housing, June 2025 saw existing home sales drop 2.7%
READ MOREGetting 200–300 unsolicited calls after a mortgage credit pull isn’t just annoying — it’s abusive. Thankfully, that’s about to change. The Trigger Lead Bill is headed to the President’s desk to be signed into law. For years, credit bureaus have sold your data the moment your credit was pulled for a home loan. That meant
READ MORERate sheets today should be about the same as yesterday, and reprice risk is low. Things are generally quiet between Christmas and New Years, and I don’t expect this time around to be any different as traders take the rest of the year off. Other than some housing data there isn’t much in the way
READ MOREMoving to a new home while starting a business is an exciting process, yet it can be extremely stressful at the same time. You have the opportunity to create something new, but you also have to make sure that everything goes smoothly during the transition. Here, Your Real Estate Life has compiled a list of
READ MORE800.230.0168 Company805.530.1199 Direct Line to CEO Today’s Featured Rates & Programs Updated: Thursday, March 5, 2026Broker / Discount Fee: 0–1.000% | Lock Period: 30 DaysBase Loan Example: $832,750 | Down Payment Assumed: 20% (Non-FHA/VA)Credit Score Tiers: Excellent (740+), Good (700–739), Fair (680–699) Conforming Loans (Up to $832,750) Term Interest Rate APR 30-Year Fixed 5.750% 5.997%
READ MOREMarch 7th and March 8th Weekend Spring Forward Into Smarter Financing Does Your Lender HaveYour Best Interest in Mind? If not, it’s time for a change. Join Host Michael Harris online Daylight Savings weekend to learn how to save money on your loans and improve your financial future. This Saturday at 9:00 am PST on
READ MOREMBS OVERVIEW Our benchmark FNMA MBS 6.00 July Coupon is currently up +21 BPS. Inflation Nation: The Fed’s key measure of inflation, Core PCE (Ex food and energy) increased in May by 0.3% on a MOM basis on top of April’s increase of 0.4%. The consensus estimates were from 0.4%. YOY, Core PCE was up
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