Mariner Mortgage: Michael Hahlbeck, Mortgage Broker NMLS #323143

, : 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.

It's been one heckuva year... let's take a moment to catch our breath and welcome in the New Year! Here's a beautiful rendition of "Auld Lange Syne"... please enjoy it with me. Be sure to turn the volume up!

Wishing you and your family a safe and happy new year! Cheers to 2021!! #MarinerMortgage

New Year's Eve is crunch time for getting deals done and closing the books on the fiscal year. Now is the time to focus on key negotiating points that you don't want to compromise on when it comes to purchasing your new home. #MarinerMortgage

First-time homeowners naturally aspire to max out the full amount they get approved for by lenders. It's important to note that your lender is not your financial advisor. It's essential that you know your limitations and not go after a home you can't comfortably afford. Stay within your budget! #MarinerMortgage