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Although many mortgage lenders were technically open for business last Friday, it’s a well-known unofficial holiday. Mortgage rate movement requires bond market movement, and the post-Thanksgiving Friday invariably sees fewer traders trading fewer bonds. Even when bonds do manage to move, the people in charge of setting mortgage rates at various lending institutions tend to…

Why Use Dan Cassel and Trinity Mortgage Brokers? We allow money sources to “compete for your Loan Business daily”.  And as Brokers we are only paid on successful funding’s! Broker teams like Dan Cassel – Trinity Mortgage Brokers in San Diego County have been lending since 2009 and this is how they operate. They deliver…

Everything is relative when it comes to following day-to-day movements in mortgage rates.  Yes, they’re technically higher than they were on Friday afternoon, but they’re still lower than just about any other day… ever.  Most prospective borrowers will see very little difference from last week.  On average, the actual interest rate itself (aka, the “note rate”) is…

Earlier in the month, mortgage rates rose somewhat abruptly as lenders got in a defensive position ahead of the election.  They’d learned in 2016 just how volatile the bond market (the key ingredient in the rate movement equation) could be after an election and it made sense to minimize exposure to risk.  Following the election, rates improved…

On Veteran’s Day, we honor every man and woman who has served our country. Today, we look to the defenders and heroes of our nation in gratitude and remembrance. With over 20 million veterans in the United States, we have a lot of thanking to do! While our appreciation goes beyond words, it’s still important…

Need to review refinancing options on a home, or other real estate? Choosing a refinance product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole. We’re here to make the home refinance process a whole lot easier, with tools and expertise that will help…

The 2016 election won’t soon be forgotten in the mortgage or bond markets. Many of the predictions were dead wrong when it came to how interest rates would react to a Trump victory, and the reason ended up being very simple in hindsight. Are there any parallels that can help us prepare for the coming week? First…

When interest rates plummeted in response to the early realities of the pandemic back in March/April, mortgage rates did a terrible job of keeping pace with the broader bond market.  When we talk about the “broader bond market,” things like 10yr Treasury yields come to mind.  Over the years, 10yr yields and mortgage rates move with extraordinarily…

If you’re shopping for a purchase mortgage and if you’d previously received quotes from one of the slower moving lenders back in late July or early August, you may be looking at mortgage rates that are very close to all-time lows.  If you’re in the market for a refinance, you’re nowhere near all-time lows–especially if you count jumpier…