Loan Production Office: Gary Alamin, Mortgage Broker NMLS #234400

New 5.0-star Review: "We have used Loan Production Office for our loans since 2013. Gary and his staff have been a terrific team and they have always met our expectations and more. In our most recent loan, Gary stayed with us during our pre loan, took us through our signing in escrow and post loan questions. Gary is also clear on documents needed, on potential time table of closing and was available to answer any questions we had. Our loan went smoothly, was completed as promised and we were completely satisfied with the outcome. We will continue to use Loan Production Office for any of our new loans or refinances in the future!"

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New 5.0-star Review: "I have used Gary at the Loan Production Office for my original mortgage and now for a refi.. I am amazed at the professional work Gary does and the ease of working with him. He is the only broker I will ever use. No issues, no surprises, no delays. Great experience.Bryant Monson"

New 5.0-star Review: "Gary,It is a very professional, honest person. I just went through a refinance my home, he made my process so smooth. He is always looking out for his client best interest and everything went so transparent. He made himself available all the time when needed. I highly recommend him if you planning on buying or refinance your home. Gary . Alejandra C."

What's stopping you? (I know it's got to be something...) , ' ... , ' . ' . , ' .... Got some concerns about your credit? Don't worry, I've helped many folks with some credit blemishes or past issues get refinanced or buy a home with these low rates. Think rates will go lower or housing prices will drop? Let's talk about it, and I can show you what waiting is costing you (even if you were to be right). Just bought your home a few months ago or refinanced already in the last year and think it isn't worth checking into again? You may be right, but let's discuss to be sure. I've been able to save clients hundreds of dollars a month, thousands a year, tens of thousands over the next few years... can you really walk away from that kind of money? You don't have to, just reach out and let's discuss it. And if you know of a friend or family member who I should be talking to, please put them in touch with me. I'm here to help, no matter how busy I am at the moment!

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, : Average mortgage rates remained low but were slightly worse ending the week, as Democrats won both Georgia Senate seats and control of the House, Senate, and Presidency.... : Average mortgage rates will likely get worse this week as markets anticipate much more fiscal stimulus to come when President-Elect Biden takes office. Now that Democrats have control of Congress, it makes it easier to roll out new fiscal stimulus plans with multi-trillion dollar price tags. The plans would be paid for with additional debt, pressuring Treasury yields higher and causing mortgage bonds to lose value, which would pressure mortgage rates to creep up higher. ' : - Economic stimulus: The Fed continues to buy Treasuries and mortgage bonds, helping to keep rates low and generally stable, even in a rising rate environment. - Economic data: Reports on inflation, as well as a couple of Treasury auctions, could put some pressure on mortgage rates this week. - Economic recovery: With vaccine distribution, fiscal stimulus, and job creation in some sectors despite rising virus numbers, markets remain optimistic of the economic recovery, pressuring rates.

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, : Average mortgage rates worsened slightly through the week, pressured higher from moves taken by Congress to lay the groundwork for passing President Biden's large fiscal stimulus plan.... : Average mortgage rates could go either way this week, depending on how markets move. Stocks continue to push higher, and bonds may be pressured which could cause rates to worsen. Rates aren't likely to move too quickly though, and instead we will likely see small day-to-day movements in rebate pricing, the credit a lender provides towards closing costs based on what rate you choose, or the cost to obtain a lower rate (often called 'points'). ' : - Stimulus package: Talks surrounding Biden's $1.9 trillion relief package could pressure rates slightly higher. - Economic data: Wednesday's inflation data and 10yr Treasury auction could cause some movement. - Fed bond purchases: The Fed continues to buy Treasuries and mortgage bonds, helping to keep rates low and generally stable. - Bond pricing: Lenders set mortgage rates based on the pricing of mortgage bonds, and we could see a little bit of improvement in bonds

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Ready to give your home a new look? Here's what's expected to trend for the next year -- or more.

, : Average mortgage rates remained low but were basically unchanged last week, as both lenders and markets closed early on Thursday and all day Friday for New Years.... : Average mortgage rates will likely remain low, but are not likely to go much lower this week as markets return to normal volume levels after the holidays. Although there is not a lot of risk of rates rising in the near term, there is also not a lot in favor of seeing rates improve much from here. You may want to take the advice of your local mortgage professional for locking or floating based on your individual circumstances. ' : - Lender capacity: Lenders continue to struggle with volume constraints, making it unlikely they would push rates significantly lower this week, although small movements are possible. - Economic stimulus: The Fed continues to buy Treasuries and mortgage bonds, helping to keep rates low and generally stable. - Economic data: A few smaller reports unlikely to have any effect on rates, but Friday's jobs data could cause some movement.