David Kosmecki, NMLS 265365

David Kosmecki, NMLS 265365 Helping Borrowers Obtain Financing for All of their Real Estate Needs. Offering 49+ yrs in real estate home mortgages. NMLS #265365

We understand that each customer has specific needs.

Mortgage Market Update 9/21/2026Today mortgage bonds are showing promise and rates are lower. Since the Fed meeting last...
09/21/2026

Mortgage Market Update 9/21/2026Today mortgage bonds are showing promise and rates are lower. Since the Fed meeting last week, they have been up and then down in huge swings. The investors are struggling to get a good read on the the market.

Today mortgage bonds are showing promise and rates are lower. Since...

New home or existing homeNew home or existing home—which one should you buy? 🏡 Both options have advantages and potentia...
09/19/2026

New home or existing homeNew home or existing home—which one should you buy? 🏡 Both options have advantages and potential drawbacks. A new construction home may offer modern features, energy efficiency, and fewer immediate repairs, while an existing home may provide established neighborhoods, mature landscaping, and potentially more flexibility on price.

In this Short, Senior Loan Officer David Kosmecki breaks down key factors to consider before deciding which home is right for you—including your budget, financing, maintenance costs, location, and long-term goals.

Watch before you make your next home-buying decision!

đź“ž Have questions about getting a mortgage? Book a free, no-obligation private phone consultation at BookDave.com.

New home or existing home—which one should you buy? 🏡 Both options ...

Foreclosure WAVE Coming? What the 2026 Numbers Really ShowForeclosure activity is rising in 2026, and that has many home...
09/16/2026

Foreclosure WAVE Coming? What the 2026 Numbers Really ShowForeclosure activity is rising in 2026, and that has many homeowners and potential buyers asking an important question: Are we heading toward another 2008 housing crisis?

In this mortgage market update, Senior Loan Officer David Kosmecki breaks down the latest foreclosure trends and explains what rising foreclosure activity could mean for home prices, mortgage rates, homeowners, buyers, and the overall U.S. housing market.

While foreclosure activity has increased compared with last year, today's market is very different from the conditions that led to the 2008 housing crash. The key question is whether increasing mortgage stress and economic pressure remain contained—or continue to build.

If you're thinking about buying a home, refinancing, or concerned about your current mortgage payment, understanding the market can help you make informed decisions.

I'm David Kosmecki, Senior Loan Officer. Follow for more mortgage market updates, housing market news, foreclosure trends, interest-rate analysis, and home-buying insights.



Foreclosure WAVE Coming? What the 2026 Numbers Really Show

Foreclosure activity is rising in 2026, and that has many homeowner...

Market UpdateFeds will raise rates this week.
09/14/2026

Market UpdateFeds will raise rates this week.

Feds will raise rates this week.

Mortgage Rates May Move the OPPOSITE Way After the Fed Hike.Could mortgage rates actually FALL after the Federal Reserve...
09/14/2026

Mortgage Rates May Move the OPPOSITE Way After the Fed Hike.Could mortgage rates actually FALL after the Federal Reserve raises rates?

It sounds backwards—but it’s possible.

In this mortgage market update, Senior Loan Officer **David Kosmecki** explains why a **Federal Reserve rate hike does not automatically mean higher mortgage rates

The Fed controls its short-term benchmark interest rate, while mortgage rates are influenced heavily by the **10-year Treasury yield, inflation expectations, economic data, and investor sentiment**.

If investors believe a Fed rate hike will help bring inflation under control, Treasury yields could fall—and that could create an opportunity for **mortgage rates to move lower**.

But there’s another side to the story. Persistent inflation, higher oil prices, and geopolitical uncertainty could keep pressure on the bond market and mortgage rates.

So if you're thinking about **buying a home, refinancing, or waiting for lower mortgage rates**, don't watch the Fed announcement alone. Watch what happens in the bond market.

đź“ž **Have questions about today's mortgage rates or your home-buying options? Contact David Kosmecki, Senior Loan Officer, for a personalized conversation.**

Subscribe for more **mortgage rate updates, housing market news, interest-rate analysis, and home-buying tips.**

Could mortgage rates actually FALL after the Federal Reserve raises...

HOUSING MARKET AT A BREAKING POINT?Has the U.S. housing market reached a breaking point?Mortgage rates remain elevated, ...
09/13/2026

HOUSING MARKET AT A BREAKING POINT?Has the U.S. housing market reached a breaking point?

Mortgage rates remain elevated, home sales are slowing, and affordability continues to challenge buyers across the country. At the same time, housing inventory is improving, giving some buyers more negotiating power.

So what does this actually mean if you're thinking about buying a home in 2026?

In this video, **David Kosmecki, Senior Loan Officer**, breaks down the current housing market, mortgage rate trends, home prices, inventory, and affordability — and explains what buyers should be watching before making their next move.

The housing market isn't simply “crashing” or “booming.” The reality is much more complicated — and understanding the numbers can help you make a smarter decision.

**Thinking about buying a home? Don't make your decision based on headlines alone. Understand your numbers, your options, and your strategy.**

I'm David Kosmecki, a **Senior Loan Officer**, helping homebuyers navigate changing mortgage rates and the housing market.

đź“ž **Have questions about your mortgage or buying a home? Let's talk.**

Has the U.S. housing market reached a breaking point?Mortgage rat...

Mortgage rates are moving.–Iran conflict could be playing a bigger role than you think.Mortgage rates are moving—and the...
09/11/2026

Mortgage rates are moving.–Iran conflict could be playing a bigger role than you think.Mortgage rates are moving—and the ongoing U.S.–Iran conflict could be playing a bigger role than you think.

In this mortgage market update, Senior Loan Officer David Kosmecki explains how the ongoing conflict, rising oil prices, inflation concerns, Treasury yields, and Federal Reserve policy can impact U.S. mortgage rates and the housing market.

When oil prices rise, inflation can become a bigger concern. That can put pressure on interest rates and Treasury yields—which can ultimately affect mortgage rates and monthly home payments.

So what does this mean if you're planning to buy a home, refinance, or wait for lower mortgage rates in 2026?

The market can change quickly, so understanding the factors behind mortgage rates is more important than simply watching today's rate.

đź“ž Have questions about your mortgage or home-buying options? Talk with David Kosmecki, Senior Loan Officer, and get a personalized look at your situation.

👉 Follow for more mortgage market updates, interest-rate news, housing-market insights, and home-buying tips.

Mortgage rates are moving—and the ongoing U.S.–Iran conflict could ...

Mortgage Rate Market for the week of 9/8/2026This week it the Friday CPI will likely influence the FED into holding or i...
09/08/2026

Mortgage Rate Market for the week of 9/8/2026This week it the Friday CPI will likely influence the FED into holding or increasing the Fed Discount Rate on the 16th. Rates today are holding even with an increase in oil prices and the bombing of a Saudi Oil Refinery.

This week it the Friday CPI will likely influence the FED into hold...

Mortgage rates are moving again—and homebuyers need to pay attention!Mortgage rates are moving again—and homebuyers need...
09/08/2026

Mortgage rates are moving again—and homebuyers need to pay attention!Mortgage rates are moving again—and homebuyers need to pay attention!

The latest U.S. mortgage market update shows the average 30-year fixed mortgage rate at 6.71%. But does this mean you should wait to buy a home?

In this quick mortgage market update, we break down what rising mortgage rates could mean for your monthly payment, purchasing power, home-buying strategy, and refinancing plans.

Thinking about buying a home?
Worried about mortgage rates?
Wondering whether you should buy now or wait?

Don't make your decision based on headlines alone. Your credit score, down payment, loan program, purchase price, and overall financial situation can make a major difference.

👉 Follow for more U.S. mortgage market updates, real estate news, home-buying tips, mortgage advice, and interest-rate updates.

Mortgage rates are moving again—and homebuyers need to pay attentio...

Waiting for Mortgage Rates to Drop Before Buying? Watch This First!Waiting for mortgage rates to drop before buying a ho...
09/04/2026

Waiting for Mortgage Rates to Drop Before Buying? Watch This First!Waiting for mortgage rates to drop before buying a home? 🏡📉 You’re not alone—but waiting for the “perfect” rate could mean missing the right opportunity.

In this Short, I explain why homebuyers should focus on their overall buying strategy instead of trying to perfectly time mortgage rates. If you’re thinking about buying a home in 2026, understanding mortgage rates, home prices, and your financing options can help you make a smarter decision.

đź“ž Have questions about your mortgage or home-buying options? Call me at 763-210-2610.

I’m David Kosmecki, Senior Loan Officer, here to help you navigate the mortgage and housing market.

👉 Watch the video and let’s talk about your options!

Waiting for mortgage rates to drop before buying a home? 🏡📉 You’re ...

Address

11108 Zealand Avenue N
Champlin, MN
55316

Telephone

+17637102610

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