Top Tweets for #HallmarkFinancial
Incentives can really help out a buyer. But how you use those incentives matter. If you’re thinking about buying a home, let’s talk about your options. I’m here to help #HallmarkFinancial #MortgageBroker

HOMEBUYERS! Current promo is I will cover your 1 year buydown on a new purchase locked in May or June!! A $600K FHA purchase gets you a principal & interest payment of just over $3,100 for the first year. Saving over $350 per month! Hit me up & let’s talk! #HallmarkFinancial
My first listing goes live tomorrow. A fantastic home in an amazing area. #HallmarkFinancial #realtor
https://t.co/63Rv8GntMI
Very interesting data. I can't wait to see what this looks like in Q1 2027. Prices up in SLC, but down in San Diego. Not much change. #HallmarkFinancial #MortgageBroker #Realtor
The housing market isn't the same in every location. It's a good reminder that there isn't just one narrative that fits all markets. It's true in local markets also as the temperature might not be exactly the same for detached homes, condos, entry-level, high-end, etc...

As predicted mortgage rates have now worsened three times since the Fed decided to reduce their benchmark interest rate today. We will see how this shakes out over the next week and what kind of long-term impact is felt #mortgagebroker #HallmarkFinancial
I’ve seen this a lot lately. The ARMs are making a comeback. I’ve closed a handful. Great way to save for 3-5 years over current rates. #HallmarkFinancial #mortgagebroker #realtor
Adjustable rate mortgage (ARM) demand is accelerating as the spread between 30-year fixed rate mortgages (~6.5%) and ARMs (~5.75%) widens.
As the chart shows, ARM home purchase mortgage loan locks grew +96% YOY for the week ending August 27.

Light job numbers, overall economic uncertainty, inflation - pushing rates down ever so slowly #HallmarkFinancial #mortgagebroker #realtor

When one of your childhood best friends finally moves back to the U.S. & buys his first home, helped out by another amazing HS friend, it’s a good day! #HallmarkFinancial #mortgagebroker #realtor

After the CPI report, we are now just 15 basis points (0.15%) away from 7% mortgage rates again, per MND.
Just two weeks ago rates were at their lowest levels since last October.
No relief.

These trigger leads are horrible. This needs to be banned forever. #HallmarkFinancial #mortgagebroker
Trigger leads are on the chopping block again! Just out of Committee
H.R. 2808 bans the use of trigger leads except for the current servicer, original originator and any banks that have a depository relationship with the borrower.
This was announced when I was at their campus this past Wednesday. This is a great way for buyers to save if they can shave .5% off their rate for their initial period. Hit me up & let’s talk about these options! #HallmarkFinancial #mortgagebroker
The nation's largest mortgage lender (UWM) just rolled out 5/1 ARMs for FHA and VA loans.
Was thinking this will be another good way to boost refi volume in the future, even if mortgage rates don't come down.

Utah is still a very popular place to live. This demand is keeping home prices up. #HallmarkFinancial #mortgagebroker #realtor https://t.co/0Zdsx8zCMn
This would be very bad for the mortgage/housing market. If he were to do this, expect mortgage rates, that are already high, to increase at least by another .25% right away. With 10 yr yields already near 4.6 this would be a disaster #HallmarkFinancial #mortgagebroker #realtor
This property is a complex disaster. They wanted $35M for this thing but I bet they don’t even get $20M & that’s pushing it. Properties that are this unique are always a losing investment. #HallmarkFinancial #mortgagebroker #realtor
Massive Disney themed Utah ranch is going up for auction. Here's the good news, there is no starting price or reserve so, I'm saying you have a chance!
Listed for $35 million in December 2024
154 acres in Cache County near Blacksmith Fork Canyon, Hyrum
40,807 square foot main house
Formal dining for 42
Disneyland them rooms including Swiss Family Robinson bunk room, Tiki Room, Frontierland shooting gallery, Star Wars theater room
Massive pool barn connected to the main house by tunnel
Basement playhouse
Guest House
Pond under construction (Sorry a little DIY needed)
$100k refundable deposit
Bidding Starts On:
June 5, 2025 at 4:00 PM EDT
Bidding Closes On:
June 18, 2025 at 6:00 PM EDT
If you win, invite me to your first party

"Uncertainty about the economic outlook has increased further. The Committee is attentive to the risks to both sides of its dual mandate & judges that the risks of higher unemployment & higher inflation have risen.”
#HallmarkFinancial #mortgagebroker https://t.co/2Bxah5SbCY
What is the FED going to do with rates tomorrow? Will be interesting to see how the market reacts & what it specifically does to mortgage rates. #HallmarkFinancial #mortgagebroker #realtor
Typically mortgage rates will closely follow this. We would expect big drops but that hasn’t happened at all. Nothing makes sense these days in the markets. #HallmarkFinancial #mortgagebroker
Oil in complete free fall.
$55 now.
$50 is breakeven.
Any more downside pressure here and drills stop going into the ground and pink slips start showing up.

This isn’t a good thing. But this could be different & even worse. #HallmarkFinancial #mortgagebroker #realtor
Existing home sales are scraping at multi-decade lows, and have shown no meaningful signs of recovery.
The only other time in recent history when homebuyer demand was this low was the 2007-2012 housing crash.
That downturn produced a 25% decline in home prices. In contrast, this downturn has yet to see national prices drop.
However, that could change in 2025.

You think rent is cheap? This 1,093 sf townhome in San Diego is $6,500 a month for rent - they want 1 month rent for deposit + last month up front. Thats craziness. Buy your home & build your own equity #HallmarkFinancial #mortgagebroker #realtor

Rocket bought Redfin 3 weeks ago. This is all bad for the consumer #mortgagebroker #HallmarkFinancial #realtor
The online mortgage provider Rocket is acquiring Mr. Cooper Group in an all-stock deal valued at $9.4 billion that will create a mortgage behemoth that handles one in every six mortgages in the US https://t.co/aQQErqUxRm
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