The Steve Medina Team - CrossCountry Mortgage

07/07/2026

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06/08/2026

The market gave buyers and homeowners a little breathing room this week.

Treasury yields moved lower, which helped ease some pressure on mortgage rates. That can create a better window for buyers trying to improve affordability and homeowners who may be watching for a refinance opportunity.

But here’s the part to watch.

The jobs report came in stronger than expected last Friday. That matters because the Fed is paying close attention to the labor market. When hiring stays strong, the Fed may feel less pressure to cut rates quickly.

So yes, the rate environment improved, but that does not mean rates will move down in a straight line.

Inflation, oil prices, and the broader economy are still going to play a major role in where rates go next.

For homeowners, this is also a good time to know what your home may be worth. Your home’s value is usually based on recent sales nearby, condition, location, updates, and current buyer demand.
I’m linking an article below that explains how to get a better idea of your home’s value.

Whether you’re buying, refinancing, or just trying to understand your options, it helps to know your numbers before the market moves again. Have a great week!

Discover how to calculate home equity, borrow against it, and explore home equity loan options like a HELOC or cash-out refinances to meet your financial goals.

06/05/2026

You can say the right thing the right way, and still not be heard.
One thing I learned as a crisis negotiator is this: communication is only effective when the other person is open enough to receive it.

06/01/2026

Buyers and sellers are still dealing with the same big theme: affordability.

Rates are still feeling stubborn, the Fed is still watching inflation closely, and buyers are paying attention to the monthly payment more than ever.

But here’s something interesting: new construction has become a bigger part of the housing conversation.

That doesn’t mean every buyer should build or buy new. But it does mean this: you may have more options than you realize.

For buyers, the goal is to know your numbers before going shopping. Whether you buy an existing home, a new build, or decide to build from the ground up, the payment has to make sense for your life.

If building has ever crossed your mind, a construction loan may be worth exploring. It can help finance the land and the build, but the key is having the right plan upfront.

For sellers, buyers are still moving, but they’re moving carefully. Pricing, presentation, and strategy matter.

I’ll include an article below on how a construction loan works. Have questions about construction loans or new builds? Send me a message. A little planning upfront can save a lot of confusion later.

Learn how to get a home construction loan: the types, qualifications, and application process to finance building your dream home. Get started today!

05/27/2026

Most people don’t listen. They wait for their turn to talk.

In crisis negotiation, active listening is not about having the perfect response. It is about slowing down long enough to understand what someone actually means before you give advice, defend yourself, or make your point.

When people feel heard, conflict becomes easier to resolve.

05/22/2026

There were some important crisis communication lessons in this clip.

Watching this interaction, these officers did several things well from a crisis negotiation standpoint.

First, they asked her name.

In a moment where someone may feel invisible, asking their name makes them a person again.

Then the officer gave his name:

“My name is Nicholas.”

That brings the interaction back to human-to-human, not officer-to-subject.

They also kept the message simple:

“We care about you.”

“We don’t want to see you hurt yourself.”

They were not arguing with her. They were trying to reach the part of her that could still feel connection.

One of the strongest moments was when they asked permission before moving closer.

“Can I come closer?”

That matters.

Rushing her or grabbing too soon could have ended very badly. Asking permission gave her a sense of control in a moment where she probably felt like she had none.

They also reassured her she was not going to jail and that she was going to the hospital to get help.

That reduced fear and gave her a path forward.

The only thing I would be careful with is saying, “We can fix it,” or “Anything is better than this.”

In crisis negotiation, you want to avoid overpromising.

A better phrase might be:

“I don’t know exactly how we fix this yet, but we can take the next step together.”

Overall, great teamwork by these officers.

Calm voices. Human connection. Permission-based movement. Reassurance.

They didn’t make it about control.

They made it about connection.

Source: NYPDNews bodycam footage from Brooklyn high-rise rescue.

05/21/2026

How To Tell Someone Bad News

05/19/2026

In law enforcement, I often sat across from people who had done unimaginable things. If I let their behavior dictate mine, I would’ve lost my composure and my case.

Instead, I chose to stay composed, not because of who they were, but because of who I am.

The same principle applies at work and at home. When you can’t give grace, be graceful.

Don’t let someone else’s chaos change your behavior. Your composure is worth more than their chaos.

05/18/2026

Markets are still reacting to inflation, higher energy costs, and uncertainty around Fed policy.

On top of that, the Fed is going through a leadership change, with Kevin Warsh stepping in as the new Federal Reserve Chair. Markets are watching closely because new leadership can influence how the Fed approaches inflation and future rate cuts.

Why does that matter?

Because mortgage rates often react before the Fed ever makes a move. When inflation stays elevated and the market is unsure about future policy, rates can remain under pressure.

So here’s the practical takeaway:

Buyers: before you chase a home price, build a real household budget. Know what payment fits your life, not just what you qualify for. That’s where a good budget matters. Here’s a helpful article on how to build a household budget.

Sellers: buyers are more payment-conscious right now. The better your home presents upfront, the easier it is for a buyer to feel confident taking the next step. In this market, the question for them is not just, “Can I buy the house?” It’s, “Can I afford everything that comes with it?”

This comprehensive guide teaches you the essential steps to making a household budget. Turn your homeownership dreams into reality with your budget plan today.

05/15/2026

Today, we remember the men and women who put on the badge and never made it home.

Their sacrifice isn’t just history. It shows up every day in the courage of those still standing the line, in every life protected, and in every oath kept when no one is watching.

We don’t move on from this. We remember what it costs, and we honor those still willing to pay it.