📲 Sunday Credit Tip: Co-Signing Can Complicate Homebuying

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🏠 Stop letting rigid bank requirements block your path to homeownership! Non-QM loans offer a flexible alternative designed for your unique income situation.

Ready to explore your options?
📩 DM us the word FLEXIBLE
📞 Call 866-519-8558
💬 Comment below to get started!

#UBIEquityGroup #Mortgage

Home Prices Fell More Than Expected in April Both the FHFA and Case‑Shiller home price indices were released today. While the data collection time frame is from April, they each suggest a similar shift is underway when adjusting for seasonality. Specifically, if we ignore seasonality, prices rose.  If we don't, they were down 0.4% from March. FHFA House Price Index (seasonally adjusted, MoM) April: −0.4%; March was revised from −0.1% to 0.0% YoY: +3.0% from April 2024 to April 2025 Monthly figures varied regionally: the West South Central and South Atlantic divisions posted the steepest falls (−1.3%), while the Middle Atlantic rose +1.2%. All nine divisions remain positive YoY (ranging from +0.5% to +7.4%). The 0.4% drop is in line with slower spring momentum—not drastic, but a continued cooling from prior gains. The upward revision in March helps to offset April's declines to some extent. Case‑Shiller National Index (unadjusted) YoY: +2.7% in April, down from +3.4% in March MoM (raw): +0.6% MoM (seasonally adjusted): −0.4%

Home Prices Fell More Than Expected in April #Oregonrealestate #Portlandrealestate #mortgage

Mid Day Reversal Leaves Bonds Slightly Stronger Mid Day Reversal Leaves Bonds Slightly Stronger This morning, we noted the lightness of the selling pressure that took bonds into modestly weaker territory. It turns out it was so light that it was easy for bond buyers to get back on top un the afternoon hours. There was a bit of help from the Fed's much-anticipated announcement of a change to banking rules that will effectively allow banks to hold more Treasuries than before.  This wasn't a big market mover and its impacts would play out in the background over time, but it did seem to help to the tune of a bp or two today. With that, yields hit the 3pm close at their lowest  levels since May 7th, just barely edging out yesterday's marks.  Econ Data / Events New Home Sales 623k vs 690k f'cast, 743k prev Market Movement Recap 09:54 AM Flat overnight and modestly weaker just before the open.  MBS down 3 ticks (.09) and 10yr up 2.9bps at 4.321 12:51 PM Decent rally ahead of 5yr Treasury auction.  10yr up only 1.3bps at 4.305.  MBS down only 1 tick (.03). 01:43 PM No major response to 5yr auction.  10yr yields up 2bps at 4.312.  MBS down 2 ticks (.06). 03:45 PM Best levels of the day with MBS up 2 ticks (.06) and 10yr down nearly 1bp at 4.284

Lowest Rates in Over 2 Months #Oregonrealestate #Portlandrealestate #mortgage

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Saturday DTI Tip: Less Debt = Lower DTI

Glenycia Bixby NMLS #2648875 | United Direct Lending NMLS #1749719

#DebtToIncome #LowerYourDTI #DebtReduction #dti #lenders #realestate #mortgage #homebuyer #LoansbyGlenycia #UnitedDirectLending

US.Housing.30YMortgageRate.Daily.png

The average rate on a U.S. 30-Year Fixed Rate Conforming #mortgage on 02 April was at 6.344%. Relative to the prior week, the rate has fallen by about -0.01 p.p. #mortgagerates #econsky

Best Closing Levels in More Than a Month Best Closing Levels in More Than a Month Don't look now, but rates just inched their way down to the best levels since the first week of May.  It's probably NOT fair to credit geopolitical developments for the bond market improvement.  While those developments arguably had an impact at times during the day, they were also arguably a zero sum game by the end of the day (due to a rapid de-escalation of armed conflict).  What's left over is the improvement seen earlier in the day due to the shift in Fed Funds Rate expectations after comments from Bowman.  This no doubt increases the market's anticipation for Fed Chair Powell's congressional testimony over the next two days. Econ Data / Events S&P Services PMI 53.1 vs 52.9 f'cast, 53.7 prev Existing Home Sales 4.03m vs 3.96m f'cast, 4.00m prev Market Movement Recap 10:10 AM Modestly stronger overnight with additional gains after Bowman comments on supporting a July rate cut.  MBS up 6 ticks (.19) and 10yr down 6.3bps at 4.315 12:38 PM Slow, steady bond gains over the past 2 hours.  10yr down 8.3bps to 4.296 and MBS up 9 ticks (.28). 02:43 PM Off the strongest levels but still stronger on the day.  MBS up 7 ticks (.22) and 10yr down 5.8bps at 4.321 03:40 PM Technically down an eighth from the highs.  MBS still up 6 ticks (.19) and 10yr still down 4.6bps at 4.333

Mortgage Rates Lowest Since May 1st #Oregonrealestate #Portlandrealestate #mortgage

Market Recap - April 3, 2026

There’s a lot of noise right now, but that’s often when opportunity shows up.

It can help to step back and focus on the big picture. Less competition can mean better opportunities for buyers.

#homebuying #mortgage #realestate

www.youtube.com/watch?v=Q673...

The 2026 headlines are chaotic, but you have a choice: be part of the noise or be the solution. Clients need leaders now more than ever. This is the time to scale by staying consistent and serving people. Choose leadership over chaos. 🏠💪

#Realtor #Leadership #Mortgage

Rates have stabilized after recent increases. Reach out to me at www.loansbyglenycia.com/! 😊

Glenycia Bixby NMLS #2648875 | United Direct Lending NMLS #1749719
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Discover Charming Beach Town Vibes #Oregonrealestate #washington #mortgage #commercial #realestate

Waiting for rates to drop sounds smart, but it can come with tradeoffs.

Glenycia Bixby NMLS #2648875 | United Direct Lending NMLS #1749719
#LoansbyGlenycia #UnitedDirectLending #marketupdate #mortgage #loan #FLrealestate #homebuyer

Mortgage Rates Hold Flat on Thursday Despite Lower Weekly Average For the average lender, top-tier 30yr fixed mortgage rates were perfectly unchanged compared to yesterday. This keeps them right in line with the lowest levels in more than 3 years. That said, if we're splitting hairs, better rates were available 4 days in the past month and a half (Jan 9, Jan 12, Feb 13, Feb 17). So why is it that there are news headlines today claiming that rates hit their lowest levels in more than 3 years? Simply put, those stories are based on weekly survey data from Freddie Mac. Freddie isn't technically wrong, but you have to understand their methodology. Freddie's survey is an average of the rates available from last Thursday through yesterday. Indeed, if you use the numbers from our daily rate index on those days, the average is the lowest in 3 years, even if today's rates are a hair higher than several recent days.

Mortgage Rates Hold Flat on Thursday Despite Lower Weekly Average #Oregonrealestate #Portlandrealestate #mortgage

Original post on housingwire.com

Better bets on ChatGPT as the new front door for origination Better says Tinman makes underwriting accessible through ChatGPT, shifting decisions from LOS workflows into an AI layer for lenders. Be...

#LendingLife #Mortgage #Origination #Technology […]

[Original post on housingwire.com]

Original post on therealdeal.com

Luxury new development deals climb to 10-year high In the first quarter of 2026, activity in New York City’s new development market followed the trajectory of the rest of the economy: big spendin...

#Condos #Economy #Housing #Market #Inventory #Mortgage […]

[Original post on therealdeal.com]

Original post on therealdeal.com

Luxury new development deals climb to 10-year high In the first quarter of 2026, activity in New York City’s new development market followed the trajectory of the rest of the economy: big spendin...

#Condos #Economy #Housing #Market #Inventory #Iran #War […]

[Original post on therealdeal.com]

Understanding the 2026 ALTA/NSPS Land Title Survey Standards #realesate #realestatetitle #titleinsurance #mortgage #realestateinvesting #realproperety #history #homebuyer #homeowner #oregon #washington

#US #MORTGAGE RATES RISE FOR THE 5th WEEK, SENDING 30-YEAR TO 6.46%

brandrise360.ai/funnel-chat-...

#mortgage #realtor #business #ai #manager #owner #success

Mortgage Rates Tick Microscopically Higher Mortgage rates at the average lender moved up by 0.01% today--the smallest increment measured by the MND daily rate index. This means that most borrowers won't see a meaningful different in today's rates vs yesterday's. That's welcome news considering yesterday's rates were tied for the second best day in more than 3 years. In the bigger picture, the absence of improvement over the past 2 days may suggest that recent bull run in rates is pausing for reflection, or at least until and unless certain economic reports justify renewed momentum. On that note, this week's nearest examples of such reports will almost all be released on Friday morning, but they're notably less potent than the data seen over the past 2 weeks.

Mortgage Rates Tick Microscopically Higher #Oregonrealestate #Portlandrealestate #mortgage

İslâmî açıdan mortgage  - TR724 YORUM | Dr. YÜKSEL ÇAYIROĞLU İnanç ve ibadetleri bir yana bırakacak olursak, dinlerin muamelat alanına dair en temel hükümleri, insanın parasal ve ailevî ilişkilerini düzenlemeye yöneliktir. Kur’ân’da...

İslâmî açıdan mortgage 
www.tr724.com/islami-acida...

Darulharpte yaşamak mortgage sistemini caiz kılar mı? 
www.tr724.com/darulharpte-...

#mortgage

Rates pulled back slightly today, but the bigger trend is still improving. 😊

Glenycia Bixby NMLS #2648875 | United Direct Lending NMLS #1749719
#LoansbyGlenycia #UnitedDirectLending #marketupdate #mortgage #loan #FLrealestate #homebuyer

Mortgage Rates Hold Perfectly Steady at 2-Week Highs The average top tier 30yr fixed mortgage rate hit its highest levels in 2 weeks yesterday. The caveat was that the range has been very narrow during these 2 weeks. As such, by remaining unchanged versus yesterday, today's rates are part of the same narrow range (6.15-6.20% for MND's index). There were two relevant economic reports this morning as well as an update from the Treasury department regarding borrowing expectations. The latter is important for interest rates because the level of Treasury issuance is a primary ingredient in determining almost any consumer lending rate in the U.S. Higher issuance would increase the supply of bonds.  Higher bond supply would decrease the price of bonds. And when bond prices fall, rates move higher, all else equal. This morning's update kept issuance unchanged in the short term, but noted the probability of increased issuance in the next fiscal year.  This put some upward pressure on rates early in the day, but a tame report on the services sector helped bonds find their footing. Flat bonds = flat rates. The end.

Mortgage Rates Hold Perfectly Steady at 2-Week Highs #Oregonrealestate #Portlandrealestate #mortgage

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#Home #mortgage rates increased this week, to their highest level since September, according to Freddie Mac. The 30-year, fixed-rate mortgage averaged 6.46%, up from 6.38% last week. A year ago, the 30-year FRM averaged 6.64%. #interestrates #mortgagerates

Had a great time connecting with other local professionals. Building strong relationships in our community matters. 🤝
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#LoansbyGlenycia #UnitedDirectLending #mortgage #FLrealestate #homebuyer #powergals

Think a home is out of budget? There may be ways to lower your monthly payment without lowering your price.😊

Glenycia Bixby NMLS #2648875 | United Direct Lending NMLS #1749719
#LoansbyGlenycia #UnitedDirectLending #mortgage #realestate #homebuyingtips #monthlypayment

Trump's VA killed a home loan program. Vets are now losing their homes because of it Foreclosures on VA loans are at their highest level in a decade. VA has a fix but it is months away and could still leave vets worse off than most other homeowners.

#Trump shut down a #veterans VA #mortgage protection program last year. Now thousands of vets have lost or are losing their homes. Nice way to treat those who served. I hope all vets remember this on #election day.
www.npr.org/2026/04/02/n...