Jacob Leggett - Mortgage Loan Officer

Jacob Leggett - Mortgage Loan Officer Mortgage Loan Officer | NMLS # 1872264 | Wings Credit Union
I help you make smart and well-informed mortgage decisions with a holistic view of your finances.

Whether it’s time to act or wait, you’ll get transparent and thoughtful guidance.

Every job and every position gives us opportunities to make a positive impact on other people.And I think that should st...
09/21/2026

Every job and every position gives us opportunities to make a positive impact on other people.

And I think that should stay true whether you’re helping one person or 100. The number of people may change, but the responsibility to serve each person well doesn’t.

For me, I just happen to work in mortgages. 🏡 And when you’re helping someone navigate one of the biggest and often most stressful financial decisions of their life, I think there’s a pretty clear responsibility to use that position well.

That means educating people, being transparent about the tradeoffs, looking at the bigger financial picture, and helping someone make a decision that makes sense for them. Sometimes that means moving forward. Sometimes it means putting a plan together and waiting.

No pushy tactics. No selling FOMO. No overpromising. Just thoughtful guidance and a genuine effort to leave people better off than when the conversation started.

And if buying or refinancing does make sense for you, Wings Credit Union has extended our $1,000 lender credit toward closing costs through the end of 2026. If you’d like to talk through your situation, feel free to reach out. I’m always happy to start with a conversation.

Pending home sales edged up 0.3% from July to August! 📈 While this month-over-month increase shows resilience, total con...
09/17/2026

Pending home sales edged up 0.3% from July to August! 📈 While this month-over-month increase shows resilience, total contract volume remains down 4.7% year-over-year across the country.

For Colorado buyers and real estate professionals, staying ahead of these macroeconomic trends is vital. Local market dynamics sometimes tell a different story than national averages—strategy is everything right now.

That’s why programs like our Free Lock & Shop at Wings Credit Union are so important. You can secure your rate while you shop for the perfect Colorado home, giving you peace of mind in a shifting market. 🏔️🏡Let's connect to discuss how these national shifts impact our local market and how we can best position you or your clients for success!

Union

The MBS Highway National Housing Index continued its downward trend in September, falling from 27 in August to 22. The i...
09/09/2026

The MBS Highway National Housing Index continued its downward trend in September, falling from 27 in August to 22. The index has now declined for four consecutive months after reaching a seasonal high of 47 in May. Both buyer activity and home price direction weakened from the previous month.

Tomorrow at 11 AM, I’ll be hosting Wings Credit Union’s (Previously Ent Credit Union) “Buying Your First Home” webinar! ...
08/25/2026

Tomorrow at 11 AM, I’ll be hosting Wings Credit Union’s (Previously Ent Credit Union) “Buying Your First Home” webinar! 🏡

We’ll cover down payments, closing costs, first-time homebuyer programs, and some of the basics of navigating the homebuying process.

The goal isn’t to convince you that you need to buy right now. It’s to give you some of the tools to plan around your goals and your timing, whether buying is months or years away.

Register here 👉 https://ent.zoom.us/webinar/register/WN_Hesds7nUQHWyQucp8xr9Rg #/registration

If you can’t make this one, you can find more educational webinars here: https://www.ent.com/events/, or you’re always welcome to reach out to me directly.

A few economic reports helped create some downward movement in mortgage rates this week:• The job market is showing some...
08/14/2026

A few economic reports helped create some downward movement in mortgage rates this week:

• The job market is showing some signs of cooling, with July payrolls declining and previous months revised lower.
• Inflation data was relatively friendly, with CPI easing slightly and wholesale inflation coming in below expectations.
• Housing remains slow, but home prices nationally are still showing modest appreciation.

Overall, the data gave mortgage rates a little relief this week. That’s helpful, but I still think the better approach is building a smart plan rather than trying to perfectly predict rates 📈.

One other bright spot ☀️: Wings is offering a $1,000 lender credit on mortgage applications in August for Member Appreciation Month (see details: https://www.ent.com/campaigns/member-appreciation-month/ ). Reach out to me with any questions📱

July's jobs report surprised to the downside, with the economy losing 23,000 jobs versus expectations for an 80,000 gain...
08/07/2026

July's jobs report surprised to the downside, with the economy losing 23,000 jobs versus expectations for an 80,000 gain. May and June payrolls were also revised lower by a combined 103,000 jobs, while the unemployment rate edged down from 4.2% to 4.1%.

07/16/2026

Financial independence isn't one-size-fits-all.

It can mean building emergency savings, reducing debt, improving financial confidence, or having more control over your day-to-day finances.

In our latest blog, we share practical steps to help build financial stability and long-term financial wellness, including budgeting, saving, debt repayment, and goal setting.
Read more: https://www.greenpath.com/blog/financial-education/what-freedom-means-in-todays-economy/?utm_source=facebook&utm_medium=social&utm_content=8be1bdd9-4d48-4892-bdd5-6b289be6871d&utm_campaign=generalsocial

05/23/2026

A few things driving markets this week:

• Peace talk headlines involving Iran continue creating volatility in oil prices and bond markets, which has kept mortgage rates moving around quite a bit.

• Inflation remains persistent enough that markets have significantly reduced expectations for Fed cuts in 2026.

• Fed meeting minutes showed policymakers are increasingly divided. Some still favor future cuts if the economy weakens, while others believe additional hikes could still happen if inflation stays elevated.

• Kevin Warsh officially became the new Fed Chair this week, and markets are still trying to determine what that could mean for future policy.

One important reminder:
Mortgage rates do NOT move directly with the Fed. Inflation, bond markets, oil prices, and global events can all significantly influence rates.

Real-world impact:
Even a 0.5% move in rates can change monthly payments by a few hundred dollars depending on price point. Small market moves can affect affordability more than many people expect.

With volatility staying elevated, tools like Lock & Shop have been valuable for some buyers who want flexibility while reducing exposure to sudden market swings.

If you ever want help thinking through strategy or scenarios, I’m always happy to help.

Weekly Mortgage Market UpdateA few things driving markets this week:• Peace talk headlines involving Iran continue creat...
05/23/2026

Weekly Mortgage Market Update

A few things driving markets this week:

• Peace talk headlines involving Iran continue creating volatility in oil prices and bond markets, which has kept mortgage rates moving around quite a bit.

• Inflation remains persistent enough that markets have significantly reduced expectations for Fed cuts in 2026.

• Fed meeting minutes showed policymakers are increasingly divided. Some still favor future cuts if the economy weakens, while others believe additional hikes could still happen if inflation stays elevated.

• Kevin Warsh officially became the new Fed Chair this week, and markets are still trying to determine what that could mean for future policy.

One important reminder:
Mortgage rates do NOT move directly with the Fed. Inflation, bond markets, oil prices, and global events can all significantly influence rates.

Real-world impact:
Even a 0.5% move in rates can change monthly payments by a few hundred dollars depending on price point. Small market moves can affect affordability more than many people expect.

With volatility staying elevated, tools like Lock & Shop have been valuable for some buyers who want flexibility while reducing exposure to sudden market swings.

If you ever want help thinking through strategy or scenarios, I’m always happy to help.

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Colorado Springs, CO

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