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.
"Rates have inched up, but they're still below last year's highs."
Encourage buyers to consider that while rates have risen slightly, they remain favorable compared to previous peaks, making it a good time to explore options.
"More homes are hitting the market—let's find the right one before competition increases."
With inventory on the rise, buyers have more choices now, but increased activity could lead to more competition soon.
"We can lock in your rate now and explore options to adjust if rates drop."
Offer clients the flexibility to secure current rates with the possibility to refinance or adjust if rates decrease in the future.
"Today’s market offers leverage, let’s use it to your advantage.”
Sellers are more open to negotiation. Use this moment to secure perks like rate buydowns, price reductions, or closing cost credits before competition heats up.
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.
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Brianna Garcia
Mortgage Loan Originator
NMLS #2071170
Barrett Financial Group, LLC | Corp NMLS #181106275
Brianna Garcia started in the mortgage industry in 2020 and quickly discovered a passion for helping people achieve homeownership. Rooted in family values, she brings empathy, integrity, and clear communication to every client, making the process smooth, informed, and stress-free.
Let's Connect!
Tamara Kammo
Mortgage Loan Originator
NMLS #2473496
Barrett Financial Group, LLC | Corp NMLS #181106275
Tamara Kammo is a dedicated loan officer passionate about helping clients achieve homeownership. Known for her professionalism and clear communication, she delivers a smooth, personalized mortgage experience tailored to each client.
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
