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| @thecltmortgageguy |
Vol 1 · Iss 14 · June 26, 2026 |
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| The Weekly |
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| THE WEEKLY WRAP |
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| Rates. Market intel. What it means for you. |
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| Welcome Back |
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| A Great Afternoon Cheering On The USA |
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| Thank you to everyone who came out for the World Cup USA opener this past Friday. Watching the team kick off the tournament alongside so many of you made for one of my favorite afternoons in a long time. It was great to catch up with familiar faces, meet a few new ones, and spend an afternoon together away from rate sheets and contracts. This community is the reason I love what I do, and I am grateful for every one of you who showed up. |
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| Market Update |
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| Rates Ticked Up, Then Found Their Footing |
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| 30-yr Fixed |
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| 6.49% |
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| ↑ Up from 6.47% |
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| Rate Direction |
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| Up |
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| Higher for longer |
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| Last week opened on a hopeful note. Progress toward a ceasefire in the Middle East calmed markets, stocks moved up, and mortgage rates improved a little. Then the Fed stepped in. They held rates steady, as expected, but made it clear they are in no hurry to cut, and even left the door open to a hike if inflation stays stubborn. That message pulled rates back up and cooled the momentum. |
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| Rates ticked a bit higher again to start this week. A large amount of new debt is hitting the market right now, both from the government and from companies, and when there is that much borrowing to absorb, investors ask for a little more return, which nudges rates up. Oil prices have been easing, which would normally help, but supply and the Fed's higher for longer stance are the louder voices at the moment. |
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| The week's headline report, the Fed's preferred inflation gauge, landed right about where everyone expected. Inflation is not getting worse, but it is not clearly improving either. Growth came in a touch stronger than first thought, a sign the economy still has plenty of legs. Markets read that combination as room for the Fed to stay patient, and rates actually firmed up a bit heading into the weekend. For your buyers, the story is steadiness. Rates are not running away, and waiting on a big drop is a bet on the Fed changing its mind, which it has shown no interest in doing. |
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Waiting for rates to crash is a bet on the Fed blinking. The smarter move is the right home at a payment that works today. |
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| This Tuesday · Noon ET |
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| What Your Clients Actually Experience With Me |
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| This week I am walking through the full client experience from the lending side, start to finish. We will cover what happens from the first conversation through closing, including the presentation software I use to lay loan options side by side so buyers can actually see the difference between programs instead of squinting at a rate sheet. I will show you the systems that keep the process moving, the milestone updates that go out automatically so nobody is ever left guessing, and the communication rhythm and small touches that turn a stressful process into a smooth one. If you have ever wondered exactly what your buyers go through once they are in my hands, this is the call to join. You will leave with a clearer picture of how the tools, the systems, and the personal follow-up work together, and probably a few ideas to sharpen your own process too. |
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| Drop in Tuesday at noon. No booking needed. Zoom link at linktr.ee/thecltmortgageguy. Bring the questions your buyers always ask. Have a topic for a future call? Just reply to this email. |
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| See you Tuesday. For daily rate updates follow @thecltmortgageguy on Instagram. |
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| Book a consult or grab the Zoom link at linktr.ee/thecltmortgageguy. |
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| thecltmortgageguy.com · NMLS #1465241 |
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