Financial Reports

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What’s Ahead For Mortgage Rates This Week – December 1st, 2025

Many of the reports scheduled for release last week were delayed yet again, including the anticipated unemployment data. There is an expectation that they will be released next week. The only on-time release was the third-party Consumer Sentiment report from the University of Michigan, which aligned with expectations and generally indicated that consumers remain dissatisfied with the current state of things, citing high prices and consistently weakening incomes.

Univ. of Michigan Consumer Report
Consumer sentiment was little changed this month with a 2.6 index point decrease from October that is within the margin of error. After the federal shutdown ended, sentiment lifted slightly from its mid-month reading. However, consumers remain frustrated about the persistence of high prices and weakening incomes. This month, current personal finances and buying conditions for durables both plunged more than 10%, whereas expectations for the future improved modestly.

Primary Mortgage Market Survey Index
• 15-Yr FRM rates saw a decrease of -0.03% for this week, with the current rate at 5.51%
• 30-Yr FRM rates saw a decrease of -0.03% for this week, with the current rate at 6.23%

MND Rate Index
• 30-Yr FHA rates saw a decrease of -0.08% for this week. Current rates at 5.86%
• 30-Yr VA rates saw a decrease of -0.07% for this week.Current rates at 5.88%

Jobless Claims
Initial Claims were delayed until the following week.

What’s Ahead
PPI and PCE Index inflation reports are the biggest data releases next week, along with the delayed unemployment data.

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Mortgage

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The Role of Mortgage Originators in Negotiating Loan Terms with Lenders

Many buyers only see the visible steps in the mortgage process, such as gathering documents or reviewing approval conditions. Behind the scenes, a mortgage originator plays a significant role in advocating for the borrower and helping secure loan terms that match the buyerís financial goals. This guidance can make the entire experience smoother and more successful.

How an Originator Reviews Your Financial Picture
A mortgage originator begins by understanding your full financial profile. This includes income, credit history, assets and long term goals. By reviewing these details, the originator can identify which loan programs may benefit you most and how to structure the application for the best possible outcome.

How Negotiation Works with Lenders
Originators communicate directly with lenders to present your application clearly and accurately. They negotiate interest rate options, review fee structures and discuss loan terms that may improve overall affordability. Their knowledge of lender guidelines helps ensure you receive terms that align with your financial needs.

The Value of Lender Relationships
Experienced originators build long standing relationships with lenders. These partnerships allow them to understand how different lenders evaluate applications and what flexibility may exist. Strong relationships can help your file receive more thoughtful review, especially if there are unique circumstances that require explanation.

How Originators Help You Compare Options
Part of negotiation is making sure borrowers understand the choices available. Originators explain the differences between loan types, terms and cost structures so you can make a confident and informed decision. They help you evaluate both short term and long term impacts of each option.

A dedicated mortgage originator serves as your advocate throughout the process, working with lenders to help secure terms that fit your goals and financial comfort level. With the right guidance, you can move forward with clarity, confidence and a loan structure that supports your future.

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Holidays

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Thanksgiving Day Gratitude

Today is a day to pause and reflect on the people who make this work meaningful. We are truly thankful to every person who has allowed me to be part of their home journey. Whether we have worked together in the past, are connected right now, or will meet in the future, we appreciate the trust you place in us.

Thankful for Your Confidence
Every conversation, every question and every step forward is a reminder of what an honor it is to support you through one of the most important decisions in life. Your confidence motivates us to show up with care, clarity and commitment every single day.

Gratitude for Meaningful Connections
This career is more than numbers and documents. It is about people and relationships. We are grateful for the opportunity to learn your goals, understand your needs and walk beside you as you move closer to the home that fits your life.

Wishing you and the people you love a day filled with warmth, joy and gratitude. Thank you for allowing us to be part of your story.

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