What’s Happening With Mortgage Rates?

📉 Last Week = Crazy Volatility
On Friday, April 4th, rates hit their lowest levels in 6 months — best we’ve seen since October 2024!

👉 Why? The markets liked the idea that investors would pull out of risky stocks and move money into safer bonds — which usually helps mortgage rates drop.

But then… things took a turn 😬

😬 Investors Are Spooked
Instead of shifting into bonds, investors pulled their money out of both stocks AND bonds, and just held it in cash 💵

This caused bonds to weaken, and when bonds drop, mortgage rates go UP — and fast. From Friday through Wednesday, rates jumped by over 0.5% nationwide, which is huge in just a few days.

💡 Bright Spot: The Fed Might Cut Rates
With all this uncertainty, the Federal Reserve may now be pressured to take action. Their next meeting is May 6th-7th, and markets believe they might cut rates by:

0.50% (instead of the usual 0.25%)
That would be a big move — and could help bring mortgage rates down again 🙌

🌎 Tariffs Are the New Wildcard
Tariffs are the big story right now — they affect trade, which affects prices, which affects inflation, which affects mortgage rates.

Even though the inflation report this week came in way better than expected (only 0.1% increase!), rates didn’t improve.

Why not? Because the market is worried that tariffs could push prices higher in the short term — and that’s keeping rates elevated 😕.

🔒 What You Can Do
✅ We can lock in your rate upfront to protect you from any more surprises.
✅ If the market improves during your loan process, we can float your rate down (most lenders can’t do this!)
✅ No extra cost. No pressure. Just options 👌

We work with 270+ of the best investors across the country, which means we can shop for the best deal and re-lock if things get better.

📲 Need Help or Have Questions?
Let’s talk! Whether you’re shopping, refinancing, or just planning ahead, we’ve got your back.

💬 Reply to this email, shoot me a text, or give me a call — I’m here to help.
Stay safe out there — and let’s get you the best deal possible!

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Big News: We Just Expanded Our Community First Program!

In today’s world of high costs 💸 and inflation, every dollar matters—especially when buying a home. That’s why we’re making our Community First Program even more accessible to help more families become homeowners ❤️

Here’s how it works:

💥 You get to choose your savings:

1️⃣ We buy down your interest rate by 1% for the first year 💰 (great if you’re planning to refinance when rates drop)

OR

2️⃣ We apply that savings toward your down payment with a fully forgivable grant 🎁

Why it’s different (and better!) than most Down Payment Assistance programs:

✅ No income limits – You can qualify no matter how much you make! 💼
✅ Credit scores as low as 620 – Or as low as FHA allows 🧾
✅ Not just for first-time buyers – But first-timers are absolutely welcome! 🎉
✅ Only 6 months until the grant is fully forgiven – No long waiting periods! ⏳
✅ Build instant equity – And stay flexible if life changes or rates drop 🔄

📉 We’ll even help monitor the market for you so you know the perfect time to refinance and save more long-term 💸💡

👉 Let’s find out if this fits your game plan!
Message us or click below to see what your numbers could look like 📲🔍

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Don’t Let the Headlines Fool You About Rates

You may have seen some news stories saying that mortgage rates dropped this week — but here’s the real story 👇

📰 What the Headlines Say:
Freddie Mac reported that average mortgage rates dropped slightly this week to 6.62% from 6.64%.

Sounds great, right? But there’s a catch…

⏳ Why That Info Is Old News:
Freddie Mac’s report is based on data from last Thursday through Tuesday — and a lot has changed since then.

From the end of last week to today, rates have actually climbed 0.50%+ 📈

So while the headlines say “rates are down,” today’s real-time rates are significantly higher than they were even a week ago.

💡 What This Means for You:
If you’re a buyer or refinancing, waiting could cost you more

Locking in a rate early could protect you from further increases

We stay on top of real-time market shifts — not just the headlines — to keep you informed.

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