Nick Pakulla

Cycling and running enthusiast, top mortgage lender (NMLS 728211) with United Bank NMLS 522399, the largest community bank headquartered in the nation’s capital

[Nick Pakulla @NickPakulla]

Thinking about buying or refinancing? With today’s ever-changing real estate market, working with a knowledgeable and local mortgage loan officer matters. Contact me today for expert guidance every step of the way.

[Nick Pakulla @NickPakulla]

Memorial Day is a reminder that our freedom comes at a great cost. Today, we honor those who never made it home and the families who continue to carry their memory. We are thankful, we remember, and we do not forget their sacrifice.

[NAR REALTOR® NEWS @realtormag]

Baby boomers continue to lead the housing market, making up the largest share of both buyers and sellers. NAR's 2026 Home Buyers and Sellers Generational Trends report reveals how different generations are navigating today's market and what's driving their decisions. https://t.co/fzdOJZpDom

[Nick Pakulla @NickPakulla]

Your credit profile is a key part of the mortgage process, and understanding it can put you in a strong position. If you are focusing on financial readiness this year, I can help explain how lenders review your information and how you can prepare with confidence.

[Nick Pakulla @NickPakulla]

A well-organized approach can make your mortgage experience feel seamless. Getting familiar with common documents such as income statements and tax records is a great first step. I am always here to help you stay prepared and positive throughout the journey.

[Nick Pakulla @NickPakulla]

Federal Housing Administration joins Fannie and Freddie in implementing VantageScore 4.0 and FICO 10T
https://t.co/WpeMy0Hjc5

[Nick Pakulla @NickPakulla]

Younger generations willing to sacrifice fun for homeownership: Survey
https://t.co/J3BGx8Tlrn

[Nick Pakulla @NickPakulla]

Spring is a season of renewal and fresh beginnings, and many buyers use this time to explore new opportunities in homeownership. If you have questions about getting started, I am happy to provide guidance and help you move forward with clarity and confidence. 🌼

[Nick Pakulla @NickPakulla]

Luck is great, but a solid mortgage plan is even better. If homeownership or a new home is your goal this year, let’s create a strategy you can feel confident about.

[Nick Pakulla @NickPakulla]

Where Millennials Are Moving – 2026 Study
https://t.co/zz0ToIghrC

[Nick Pakulla @NickPakulla]

A mortgage is more than a loan. It’s a way to put down roots and build a future. 🏘️
My role is to help you understand your options and make the process clear and approachable.

[Nick Pakulla @NickPakulla]

Are you a Teacher, Nurse, Law Enforcement Officer, or other first responder that provides vital services? Meet the FHLB Community Partners Grant. 🤝

Contact me today to see if you qualify and start your journey toward owning a home!

[Nick Timiraos @NickTimiraos]

Core CPI was +0.295% in January, (3.6% annualized) slightly below some expectations.

CPI rose 2.5% over the last 12 months and 2.5% over the last six months, annualized

[Nick Pakulla @NickPakulla]

This month, we celebrate the Black innovators, leaders, and trailblazers who have shaped our history and continue to inspire our future. Let's take the time to reflect, honor, and continue to build a future that reflects the values of unity, justice, and progress for all.

[Lance Lambert @NewsLambert]

WOW

We’re finally back to “historically normal” levels for the mortgage spread

If the mortgage spread—using the Freddie Mac series—were still at its cycle high in 2023, the average 30-year fixed mortgage rate could be as high as 7.13% right now instead of 6.06%

[Lance Lambert @NewsLambert]

2025 was the first year since 2020 in which the average 30-year fixed mortgage rate ended the year lower than the prior year's final reading

Final reading of 2024: 6.85%
Final reading of 2025: 6.15%

70 bps year-over-year mortgage rate drop

[Nick Pakulla @NickPakulla]

The best gifts don’t always fit under the tree! 🎄🏠
This holiday season let’s turn your dream of homeownership into a reality. Reach out to get started today!

[Nick Pakulla @NickPakulla]

Winter is here, and there’s no better time to cozy up in your own home! 🏡❄️
Let’s start your first-time homebuyer journey so you can enjoy winter by your own fireplace.

[Nick Timiraos @NickTimiraos]

Key takeaways from Powell's presser:

-Powell more or less declared the recalibration phase complete—they're now "well positioned to wait."

-He blamed committee divide on the unusual tension in the dual mandate and validated both sides of the debate.

-He made a surprisingly direct case that job growth may be negative due to measurement challenges. "Gradual cooling in the labor market has continued just a touch more gradually" that anticipated, which reduces the level of concern around services inflation.

-Even if rates are closer to neutral, rate hikes aren't anyone's base case. The range of views runs from "stop here" to "cut more."

[Nick Pakulla @NickPakulla]

All I want for the holidays is… a new home! 🏡
If your wish list includes a place to call your own, let’s make it happen this holiday season!