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TODAY’S MORTGAGE RATES

Mortgage Interest Rates have fallen to
their lowest levels in almost a year!
The Mortgage Backed Security (MBS)
market had a fantastic week, trading
up +74 bps.

Below are your average interest rates
across the country according to
Mortgage News Daily.

Here are mortgage rates since January
2023. There have been 3 instances
where rates were lower than today.
As you can see when rates drop,
they usually stay low for a short
window and correct back up.

The big news last week was the
BLS Jobs Report. Per the BLS,
the U.S. only created 22,000 jobs
in August 2025 which was well
below the expectations.

They also revised the job creation
in June and July -21,000 jobs. The
Unemployment rate also jumped
from 4.2% to 4.3%.

Lower job creation and higher unemployment
typically makes mortgage interest rates
go lower.

The big news this week is two inflation
reports. – the Producer Price Index
(PPI) on Wednesday. And the Consumer
Price Index (CPI) on Thursday.

Inflation over expectations typically
raises mortgage rates. Below expectations
typically lowers mortgage rates.

There are a lot of characteristics
that go into a mortgage rate –
credit score, investor, loan to
value, loan amount, costs, etc.
Please call me to go over your specific
scenario so we can price your loan
out accurately.

Or you can get a Free Mortgage Quote
or Apply for a Mortgage with the links below.

Thank You! 

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WHY NOW IS A GREAT
TIME TO BUY A HOME

The Recipe for the Perfect Home Purchase

Some things in life are better together—
like peanut butter & jelly, mac & cheese,
or Netflix & a comfy couch. Right now, the
housing market has cooked up its own
magical combo platter:

1. Home Values are Down
2. Interest Rates are Down
3. Seller Concessions are Up

Each one of these ingredients on its
own makes buying a home more
affordable. But when all three show
up at the same dinner table? That’s
like Grandpa adding “a little something
extra” to the recipe—it turns into a
feast of savings. Let’s break it down:

🍲 Home Values are Down
National home appreciation has slipped
four months in a row according to the
Case Shiller Home Price Index. And
since the index lags behind by about
three months, it’s highly likely we’ve
actually had seven straight months of
quiet price drops. Translation: homes
are more affordable right now, with
lower monthly payments waiting
for you.

🍝 Interest Rates are Down
Mortgage rates are hanging out near
their lowest levels since early 2023.
A lower rate = a lower monthly payment.
It’s like snagging the early-bird special,
but instead of a cheaper steak dinner,
you get a cheaper mortgage bill.

🥗 Seller Concessions are Up
Here’s the gravy on top: nearly half
(44%!) of homebuyers nationwide are
getting seller concessions. That’s when
sellers pay toward your closing costs,
rate buydowns, or other perks. Think of
it as the seller buying you dessert after
you already scored the entrée at
half price.

🍰 The Bottom Line
It’s rare for all three of these factors
to line up at the same time. But right
now, they have—and the result is the
perfect recipe for home affordability.

👉 Don’t wait until the market changes
the menu. Contact me today and let’s
discuss your home purchase options.

Hope you have a fantastic week!