Aclara Lending
UPDATED WEEKLY
Weekly Talking Points
Use these weekly talking points to discuss current trends with your clients. Updated weekly to keep your conversations informed and insightful.
Mortgage Rates Improving
Rates are trending lower as market uncertainty grows, with expectations for three Fed rate cuts this year. Buyers can lock in better affordability—a great time to get pre-approved!
More Negotiation Power for Buyers
With rising inventory and seller concessions increasing, buyers now have more leverage. Those who waited may find better deals and rate improvements than last year.
Strong Market for Investor
Rental demand remains high, and DSCR loans allow investors to qualify based on rental income. It’s a great time to expand portfolios with flexible financing options.
Floating Rates Could Pay Off
Mortgage rates may dip even lower in the next 15-30 days. The 10-year Treasury yield is at a 4-month low, and weaker jobs data could push rates into the 3% range—worth watching closely!
LEARN ABOUT DAILY CHANGES
Mortgage Rate Chart
Most important point: the best use of this index is to track the CHANGE from day to day. There are so many things that can cause discrepancies between borrowers, lenders, and quotes. But because we use the same baseline scenario year after year, you can be sure that the CHANGE is a good representation of how rates are moving. Please reach out for any questions! : )
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Mortgage Calculator
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Meet the Team
Michael King
Team Lead | Mortgage Loan Originator | NMLS #1993915
Barrett Financial Group, LLC | Corp NMLS #181106275
Michael King, a seasoned mortgage broker, specializes in residential and luxury markets. With experience at Louis Vuitton, he blends industry expertise with a client-first approach. Known for his diligence and attention to detail, Michael ensures a seamless and rewarding home-buying experience.
Let's Connect!
Lonnie Wilborn Jr.
Team Lead | Mortgage Loan Originator | NMLS #1570171
Barrett Financial Group, LLC | Corp NMLS #181106275
Lonnie Wilborn Jr., a dedicated loan officer with over a decade of experience, specializes in residential mortgages and refinances. Since 2014, he has helped clients navigate home financing with personalized guidance, ensuring a smooth and stress-free loan process.
Let's Connect!
Thuysi Nguyen
Mortgage Loan Originator | NMLS #2026674
Barrett Financial Group, LLC | Corp NMLS #181106275
Thuysi Nguyen is a dedicated mortgage professional committed to helping clients achieve homeownership and financial freedom. He ensures smooth closings with tailored loan solutions, competitive rates, and a client-first approach.
Let's Connect!
Aclara Lending Powered By Barrett Financial Group, L.L.C. | NMLS #181106 | 275 E Rivulon Blvd, Suite 200, Gilbert, AZ 85297 | AL 22977 | AK AK181106 | AZ 0904774 | AR 124815 | CA 60DBO-46052 & 41DBO-148702 Licensed by Dept. of Financial Protection & Innovation under the California Residential Mortgage Lending Act. Loans made or arranged pursuant to a California Financing Law License | CO | CT ML-181106 | DE 029971 | DC MLB181106 | FL MLD1880 | GA 181106 | HI 181106 | ID 2080181106 | IL MB.6761630 view reinvestment notice barrettfinancial.com/illinois-reinvestment | IN 181106 | IA 2021-0157 | KS MC.0025726 | KY MB757252 & MC763707 | LA | ME 181106 | MD 181106 | MA MC181106 & MC181106 | MI fl0022342 | MN MN-MO-181106 | MS 181106 | MO 181106 | MT 181106 | NE | NV 5091 | NH 24338-MBR | NJ | NM | NC B-203722 | ND MB103863 | OH RM.804600.000 | OK ML013880 | OR | PA 92105 | RI 20224347LB | SC MLS – 181106 | SD ML.05340 | TN 204577 | TX view complaint policy at barrettfinancial.com/texas-complaint | UT 11368611 | VT LL-181106 & MB-181106 | VA MC-7357 & MC-7357 | WA MB-181106 | WV MB-181106 & ML-181106 | WI 181106BA & 181106BR | WY 4211 | Equal Housing Opportunity | *This is not a commitment to lend. All loans are subject to credit approval. Barrett Financial Group, L.L.C. is not affiliated with or endorsed by any government entity or agency. By refinancing, finance charges may be higher over the life of the loan. | Privacy Policy | NMLS Consumer Access
