Tarrell Stansberry - Chase Community Home Lending Advisor - NMLS 1878604

Tarrell Stansberry - Chase Community Home Lending Advisor - NMLS 1878604 Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Tarrell Stansberry - Chase Community Home Lending Advisor - NMLS 1878604, Real Estate, Houston, TX.

10/22/2025

📈 Inflation & Mortgage Rates

Prices are still high ⬆️ inflation’s at 2.9%, but the Fed’s goal is 2% 🎯

That matters because:

🔥 Higher inflation → Rates stay higher
🧊 Cooler inflation → Rates can drop

The Fed cut rates a bit in September to support a slowing job market, but they’re still cautious. It’s all about balance ⚖️

📲 Tarrell Stansberry, NMLS 1878604

📚 Sources:
🔹 Trading Economics – U.S. Inflation: https://tradingeconomics.com/united-states/inflation-cpi
🔹 Federal Reserve – Inflation Target: https://www.federalreserve.gov/faqs/economy_14400.htm
🔹 Bankrate – How the Fed’s Rate Decisions Move Mortgage Rates – https://www.bankrate.com/mortgages/federal-reserve-and-mortgage-rates/

10/21/2025

📉 U.S. Jobs & Mortgage Rates

Job growth is cooling fast 🥶…only 17K–22K jobs have been added in the last two months vs 75K+ earlier this year, and unemployment is up to 4.3% 😳📊

When job growth slows, the Fed sees that as a sign the economy’s weakening ➡️ that’s what can lead to Fed rate cuts 🏦

And over time, that can help bring mortgage rates down 🏠⬇️

📲 Tarrell Stansberry, NMLS 1878604

📚 Sources:

🔹 CBS News – August Jobs Report: https://www.cbsnews.com/news/jobs-report-august-2025-economy-trump-hiring-bls/
🔹 Trading Economics – U.S. Unemployment: https://tradingeconomics.com/united-states/unemployment-rate
🔹 Bankrate – How the Fed’s Rate Decisions Move Mortgage Rates – https://www.bankrate.com/mortgages/federal-reserve-and-mortgage-rates/
🔹 MarketPlace – New private data shows slow hiring – https://www.marketplace.org/story/2025/10/07/carlyle-data-shows-stalled-hiring-fills-gaps-in-federal-data
🔹 AOL – Economists expect faster growth, but weaker job gains, through 2025 https://www.aol.com/articles/economists-expect-faster-growth-weaker-151823493.html

10/03/2025

📉 Why the Market Thinks a Fed Rate Cut Is Coming 🏛️💸 (PART 2)

📊 When economic data shows slower job growth 👷‍♂️📉 and cooling inflation 🛒❄️, investors start to expect the Fed will ease up ✂️📈.

💡 That anticipation moves lenders and bond markets early and since mortgage rates follow yields, you can start feeling the effect too 🏡💰.

🎯 Stay tuned for Part 3. We’ll dive into jobs & inflation and how they’re directly affecting the Fed’s decisions.

⚠️ Educational purposes only — not a promise or guarantee of any specific rate or outcome.

📲 Tarrell Stansberry, NMLS ID 1878604

Sources:

🔗 NerdWallet – “How the Federal Reserve Affects Mortgage Rates” – https://www.nerdwallet.com/article/mortgages/fed-mortgage-rates
🔗 Bankrate – “How the Fed’s Rate Decisions Move Mortgage Rates” – https://www.bankrate.com/mortgages/federal-reserve-and-mortgage-rates/
🔗 Washington Post – “What the Fed rate cut means for your home, car and credit card loans” – https://www.washingtonpost.com/business/2025/09/17/fed-rate-cut-mortgage-car-loans/

09/24/2025

📉 Mortgage Rate Drops (PART 1): Treasury Yields

Right now, the 10-year Treasury yield has been sliding, and that’s one of the BIG reasons mortgage rates are dipping toward the mid-6% range.

💰 Investors are piling into Treasuries →
📈 Bond prices rise →
📉 Yields drop →
⬇️ Mortgage rates usually follow

This is just the first domino 😮

In my next videos, I’ll break down 👇
➡️ Why the market thinks the Fed may cut rates
➡️ How jobs + inflation play into all of this

⚠️ Educational purposes only. Not a guarantee of any specific rate or outcome.

📲 Tarrell Stansberry, NMLS ID 1878604

Sources:

🔗 AP News – https://apnews.com/article/1397983d59e6d02a7b90b71245ec7251

🔗 MarketWatch – https://www.marketwatch.com/story/why-the-10-year-treasury-yield-is-falling-toward-its-lowest-levels-of-the-year-9863119e

🔗 JPMorgan Wealth Management - https://www.chase.com/personal/investments/learning-and-insights/article/what-is-a-yield-curve-and-what-does-it-mean-for-the-economy

09/12/2025

💡 When comparing lenders, don’t just look at the interest rate. A low rate might seem great, but if it comes with hidden fees, the total cost of the loan can be a lot higher. That’s why the APR (Annual Percentage Rate) matters!

➡️ The reason is because it reflects both the interest rate and those fees, giving you a clearer view of the true cost over the life of the loan. 🔍📈

✅ Always make sure you’re comparing APRs, not just rates, so you can make the best decision for your long-term financial goals. 💪🏡

🧠📚 Read more: How interest rates & APR work, and how they affect your payments? Check out this Chase article: https://www.chase.com/personal/mortgage/education/buying-a-home/what-are-current-interest-rates-for-mortgage

For more information on preapproval, visit Chase.com/personal/mortgage/tools-and-education

📲 Tarrell Stansberry, NMLS 1878604

09/09/2025

💡 When buying a home, it’s important to understand the difference between one-time fees and your monthly mortgage payment.

💰 One-time fees (like closing costs, prepaid taxes, and insurance) can add up quickly and impact how much cash you’ll need at closing.

📆 Your monthly payment is what you’ll be budgeting for every month moving forward.

By knowing both, you can make confident decisions ✅ and avoid surprises at the closing table. ✍️

Homeownership is about more than just the payment…it’s about the full picture 🔄

📲Tarrell Stansberry, NMLS ID: 1878604

Want the full breakdown on closing costs? Check out this helpful Chase resource for real insight on what to expect: https://www.chase.com/personal/mortgage/education/financing-a-home/how-much-are-closing-costs

Take advantage of our limited-time refinance rate discount (offer through 9/21)! See how you could save when you refinan...
09/08/2025

Take advantage of our limited-time refinance rate discount (offer through 9/21)! See how you could save when you refinance your home. Learn more at https://bit.ly/3zrpyRt

Whether you're watching, scrolling, or listening... we meet you wherever you are on your journey 📲Check out all of our t...
09/04/2025

Whether you're watching, scrolling, or listening... we meet you wherever you are on your journey 📲

Check out all of our tools & resources at https://bit.ly/49yZuQn

09/03/2025

🔑 Behind every REALTOR®…is a great lender🤝. Teamwork makes the dream work! 🥳🎉

P.S Guess how many takes to make this video we did 🤣

NMLS 1878604

Song Credit: “Lockjaw” by Sir Mix-a-Lot

08/28/2025

🏡 Standing right here at 18714 Timber Way Dr in Humble, TX! 🤩

Chase Bank is offering a 💥$5,000 Homebuyer Grant 💥 that can be applied toward your closing costs on qualifying homes…including this one!

Want to learn more about this property? Tap the link below 👇

https://www.zillow.com/homedetails/18714-Timber-Way-Dr-Humble-TX-77346/28489284_zpid/

Want to learn more how the grant works? Tap the link below 👇

chase.com/affordablelending

📲 Tarrell Stansberry - NMLS ID 1878604

Song Credit: Chill Kitty (Lofi), The Machinist Beats

You can use Chase Homebuyer Advantage℠ with Lock and Shop to lock in a rate for 90 days — there are no upfront fees, and...
08/27/2025

You can use Chase Homebuyer Advantage℠ with Lock and Shop to lock in a rate for 90 days — there are no upfront fees, and if rates drop before you close, you have a one-time opportunity to lower your interest rate. Contact me or visit https://bit.ly/3rbkMTP for details.

08/25/2025

📊 Your front-end ratio and back-end ratio are key numbers lenders look at when you apply for a mortgage 🏠.

👇 Watch to learn the difference, how they connect to your debt-to-income ratio 💳, and what they mean for you.

📲 Tarrell Stansberry, NMLS ID 1878604

Chase.com/personal/mortgage/education/financing-a-home/debt-to-income-ratio

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Houston, TX
77031

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