01
Jun
By Todd Grey
Financial Reports, ,

What’s Ahead For Mortgage Rates This Week – June 1st, 2026

The PCE Index inflation data has been released on schedule, and it paints a rather grim outlook for the future. Inflation has reached a three-year high, and given that it is the Federal Reserve’s preferred measure of inflation, it does not bode well for any impending rate cuts and may even raise the possibility of future rate increases. This is somewhat offset by consumer spending having exceeded expectations, but this appears to be entirely related to high fuel prices, whether consumers want to spend that much or not. PCE IndexThe main inflation barometer preferred by the Federal Reserve rose to…
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29
May
By Todd Grey
Home Buyer Tips, ,

The Hidden Psychology of Interest Rates in a Mortgage

Interest rates are financial numbers, but they also have a strong emotional effect on homebuyers. A small change in rate can make buyers feel excited, nervous, rushed, discouraged, or suddenly motivated. That emotional reaction is understandable, but it can also lead to decisions that are based more on fear than strategy. The Rate Is Only One Piece Many buyers attach too much meaning to a rate by itself. They hear that rates were lower a few years ago and feel like they missed their chance. They see rates move up and assume buying is impossible. They see rates move down and…
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28
May
By Todd Grey
Home Buying Tips, ,

Why Your Future Self Should Help Choose Your Mortgage

When people choose a mortgage, they often focus on the life they have right now. They look at today's income, today's debts, today's rent, and today's goals. That makes sense because a mortgage approval is based heavily on current information. But the smartest buyers also invite their future self into the conversation. Planning Past Today Your future self is the person who will actually live with the mortgage payment 2, 5, or 10 years from now. That version of you may have different priorities. You might want to start a family, change careers, build a business, go back to school, travel…
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27
May
By Todd Grey
Mortgage Tips, ,

The Mortgage Comfort Zone: How to Know What Payment Actually Feels Right

Most people start the mortgage process by asking one question: How much can I qualify for? That is an important number, but it is not always the same as the number that feels comfortable in real life. A lender can help you understand your approval range, but only you can decide what monthly payment allows you to live, save, travel, handle surprises, and sleep well at night. Your Real Budget Your mortgage comfort zone is the payment range that fits your actual lifestyle, not just your paperwork. It considers your income, debts, savings, bills, family goals, and spending habits. 2 buyers…
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26
May
By Todd Grey
Financial Reports, ,

What’s Ahead For Mortgage Rates This Week – May 26th, 2026

With the prior week’s release of the inflation data and next week’s release of the PCE Index data — the Federal Reserve’s preferred inflation measure — it has been an exceptionally light week for economic releases. The only notable reports were Leading Economic Indicators and Consumer Sentiment, both of which showed declines. Consumer sentiment, in particular, has seen a significant drop since the change in administration, reaching lows not seen in decades. U.S. Leading Economic IndicatorsThe Conference Board Leading Economic Index (LEI) for the US rose slightly by 0.1% in April 2026 to 97.4 (2016=100), following a 0.6% decline in…
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