RxR Realty TX

09/01/2026

Here is your Mortgage Update from Jason Siqueiros, Loan Officer: Mortgage Rates Tick Higher — But Buyers May Have More Opportunity! Mortgage rates moved slightly higher again last week, with the average 30-year fixed rate rising to 6.78%. That small increase was enough to put some pressure on demand:

📉 Mortgage applications fell 1% for the week.
📉 Purchase applications were 5% lower than this time last year.
📉 Refinance applications were down 17% year-over-year.

But here's the part I think buyers should pay attention to: Less buyer demand can mean less competition.

A separate Realtor.com report shows that fewer buyers are paying cash, which means sellers may be more willing to work with buyers who need financing.

That can create opportunities to negotiate things like:

🏠 A better purchase price
💰 Seller-paid closing costs
📉 A temporary rate buydown
🔨 Repairs or other concessions

And here's some good news: mortgage rates have already started moving lower this week. The market can change quickly, so I wouldn't make your home-buying decision based on one week's rate. Instead, let's look at the price of the home, your down payment, available loan programs, seller concessions, and your monthly payment to determine what makes sense for you.

Prodigy Mortgage: Mortgage Rates 08/31/2026 - https://mailchi.mp/loansbyprodigy.com/weekly-rates-prodigy-mortgage-no-traditional-lender-fees-17625789

08/19/2026

Here is you Mortgage Rate Update from Jason Siqueiros, Loan Officer: Mortgage Rates Finally Stop Rising — And Buyers Are Coming Back! After five weeks of rising mortgage rates, we finally got a little relief. The average 30-year fixed mortgage rate for conforming loans dropped from 6.81% to 6.77% nationally last week.

And even that small move was enough to bring some buyers back: Purchase applications increased 3% for the week and are now just 1% below last year. Refinance applications jumped 5% for the week, although they’re still 22% below this time last year.

The housing market is still dealing with high home prices and economic uncertainty, but this is a good reminder:
-You don't need rates to drop dramatically for the market to change.
-Even a small improvement can bring buyers off the sidelines.
-And with inflation data coming this week, mortgage rates could move again—either higher or lower.

If you're thinking about buying, don't wait for the “perfect” rate. Let's look at what today's payment looks like and what options you have!

Prodigy Mortgage: Mortgage Rates 08/17/2026 - https://mailchi.mp/loansbyprodigy.com/weekly-rates-prodigy-mortgage-no-traditional-lender-fees-17625736

08/11/2026

Here is your Mortgage Rate Update from Jason Siqueiros, Loan Officer: Mortgage Rates Could Stay Higher for Longer — Here’s What That Means for Buyers:

The latest jobs report came in weaker than expected, but inflation is still a major concern. With the next CPI inflation report coming August 12, the possibility of another Federal Reserve rate hike in September remains on the table.

So what does that mean for consumers? Higher rates can mean higher borrowing costs for mortgages, car loans, credit cards, and other types of debt.

And here's something important for homebuyers: Mortgage rates don't move directly with the Fed's rate decisions. They're influenced heavily by inflation, Treasury yields, and the overall economy.

That means even if the Fed pauses, mortgage rates can still move higher—or lower. The takeaway: If you're waiting for mortgage rates to suddenly drop, there's no guarantee that happens anytime soon.

Instead of trying to time the market, let's look at your options and see what makes sense for your situation!

Prodigy Mortgage: Mortgage Rates 08/10/2026 - https://mailchi.mp/loansbyprodigy.com/weekly-rates-prodigy-mortgage-no-traditional-lender-fees-17625723

08/05/2026

For nearly a century, the federal government has been trying to fix America’s housing affordability crisis. The tools have changed, the program names have changed, and the price tags have grown, but the premise has stayed the same since the New Deal. The 21st Century ROAD (Renewing Opportunity in the American Dream) to Housing Act represents a genuine effort to strip away outdated federal rules and give local governments more room to build. Check out this article that explains it down in more detail!

The 21st Century ROAD to Housing Act responds to a fundamentally local problem with federal solutions.

08/04/2026

Tax-free weekend is this weekend! What can you get tax-free August 7-9th? Check out the Comptroller's website that tells you all the things you can get tax-free!

The law exempts most clothing, footwear, school supplies and backpacks priced less than $100 from sales and use taxes.

08/03/2026

School is starting soon! Do you know when your local school district is starting? Check out this great website that let's you know when Austin & Central Texas school districts will have their first day, as well as other helpful calendar days!

https://www.texasschoolcalendar.com/regions/austin-area/

07/30/2026

JUST CLOSED!! 🎉🚨: Congratulations the owners of 8121 Rosano St. in Round Rock for closing on and selling their home! Thank you for trusting us with this important milestone!

07/17/2026

Congratulations to Chad and our fearless leader, Rachel, for selling their home! 🎉Their beautiful property will no doubt bring great memories to the next owner!

07/16/2026

LISTING OF THE WEEK!
1309 Patito Pl, Leander, TX 78641

3 beds, 3 bath

This is a bright home with four living areas. It has the perfect blend of cozy privacy spaces and expansive entertaining space. Tucked away in a quiet cul-de-sac, it backs directly onto a peaceful greenbelt. The property features a private gate leading to a wooded trail that connects straight to the Robin Bledsoe community park. The owners suite has a private room perfect for the at home office or private work out area. The game room is large and includes many window and is a great large area. The office downstairs serves as a 2nd workspace and could also be a dining area. The kitchen is bright and open with a large island and overlooks the family room and the large extended covered patio that has wood ceilings and custom outdoor fans. The home also includes a couple of storage sheds and a large backyard with full irrigation. Quiet cul-de-sac living in a great neighborhood.