Chad McDowell, Edge Home Finance TN, NMLS #172223

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Chad McDowell, Edge Home Finance TN, NMLS #172223 Mortgage solutions built for buyers, homeowners, and the real estate partners who serve them. Washington.

Trusted mortgage advisor with over 20 years of experience who provides exceptional client service and expert knowledge on all aspects of securing mortgage loans. Assisted hundreds of families with responsible and affordable home financing by providing a thorough assessment of their financial situation to determine the best loan fit. Always available to advise on questions and concerns related to home financing. Standard FHA loans for purchases and refinances | Government programs such as the HUD $100 Down Payment and USDA Rural Development loans | Conventional and VA financing for purchases and refinances

Equal Housing Lender. Geneva Financial, LLC I am a licensed mortgage originator, NMLS # 172223, and am licensed to originate mortgage loans in the following state(s): Tennessee. Branch Address 22635 NE Marketplace Drive, Redmond WA 98053.

Good morning! Rates ended lower for the second straight week after peaking in early October. Volatility is WAY up, the...
10/19/2026

Good morning! Rates ended lower for the second straight week after peaking in early October. Volatility is WAY up, the swings in daily rate movements have been wilder than what would be typical, markets last week seemed hyperreactive to the data. Concerns over tech companies and the increased likelihood of a reduction in AI spending and investment helped rates tremendously. We probably would have seen an even better decrease had it not been for higher than expected inflation numbers and oil prices. Call me with questions and have a wonderful week!

Chad McDowell
Loan Officer NMLS #172223
[email protected]
615-584-7828

Good morning! Interest rates moved lower last week. It wasn't much but at this point we'll take it, it's just a welcom...
10/12/2026

Good morning! Interest rates moved lower last week. It wasn't much but at this point we'll take it, it's just a welcomed break from the rising rates. There wasn't a ton of data for markets to react to. We got a small drop in oil prices, that helped. And no news about any new escalations in Iran. Overall, rates ended at their best point in two weeks. Call me with questions and have a wonderful week!

Chad McDowell
Loan Officer NMLS #172223
[email protected]
615-584-7828

Good morning! The move up in mortgage rates continued last week. Sometimes momentum carries the markets and it seems ...
10/05/2026

Good morning! The move up in mortgage rates continued last week. Sometimes momentum carries the markets and it seems like we got some of that last week. The bulk of the economic data would have typically suggested a rate drop but it seemed like with each data point we would get a little rate rally and then by the end of the day we'd see a reversal. Employment and inflation numbers helped a little bit but not enough to overcome the rise in oil prices. Call me with questions and have a wonderful week!

Chad McDowell
Loan Officer NMLS #172223
[email protected]
615-584-7828

Good morning! And it continues. Oil prices continued to rise last week as we got more escalation in Iran, that caused...
09/28/2026

Good morning! And it continues. Oil prices continued to rise last week as we got more escalation in Iran, that caused a severe sell-off in bonds which pushed mortgage rates up. This is the highest we've seen almost two and half years and this last jump has happened very quickly. Rates have moved up more than a half of a percent in just under two weeks, that is an extraordinary pace. Call me with questions and have a wonderful week!

Chad McDowell
Loan Officer NMLS #172223
[email protected]
615-584-7828

Good morning! It was another rough week for mortgage rates, we're now seeing the highest levels since January of 2025. ...
09/21/2026

Good morning! It was another rough week for mortgage rates, we're now seeing the highest levels since January of 2025. The Fed did raise the Fed Funds Rate on Wednesday as expected. The Fed raising rates doesn't necessarily impact mortgage rates but you will often see correlation in the overall trend. The Fed raising rates is an attempt to curb inflation numbers that are continuing to rise. Inflation absolutely does impact mortgage rates so getting those numbers back to normal levels could ultimately be good for the bond market and mortgage rates. Call me with questions and have a wonderful week!

Chad McDowell
Loan Officer NMLS #172223
[email protected]
615-584-7828

Good morning! It has continued to be a pretty rough stretch for mortgage rates and we're now up over 7% again for the f...
09/14/2026

Good morning! It has continued to be a pretty rough stretch for mortgage rates and we're now up over 7% again for the first time in nearly a year and a half. Rising oil prices and inflation numbers that came in slightly higher than expectations were the primary culprit last week. The Fed meets on Wednesday and markets are basically pricing in a rate hike at this point, it feels inevitable. Fed rate hikes don't directly impact mortgage rates but there tends to be correlation. Call me with questions and have a wonderful week!

Chad McDowell
Loan Officer NMLS #172223
[email protected]
615-584-7828

Good morning! Mortgage rates ended the week just barely higher than where they started. After Wednesday's announcemen...
08/24/2026

Good morning! Mortgage rates ended the week just barely higher than where they started. After Wednesday's announcement that the treasury would double the size of their long-term treasury bond buybacks, mortgage rates dropped. Basically, the program would help to decrease bond yields, which would corelate to lower mortgage rates (not the stated goal but a welcomed side-effect). Unfortunately, the drop in rates didn't hold. There didn't seem to be any particular economic news that pushed them back up, more of an over-reaction to the treasury announcement followed by a quick market correction. Call me with questions and have a wonderful week!

Chad McDowell
Loan Officer NMLS #172223
[email protected]
615-584-7828

Good morning! Interest rates came down a little bit last week. It certainly wasn't a big drop but we're at the lowest...
08/10/2026

Good morning! Interest rates came down a little bit last week. It certainly wasn't a big drop but we're at the lowest point we've seen since mid July. The week ended with the latest jobs report, those numbers came in well under expectations, which doesn't necessarily sound great but is good for interest rates. Call me with questions and have a wonderful week!

Chad McDowell
Loan Officer NMLS #172223
[email protected]
615-584-7828

Good morning! Well, rates started to come down from their recent highs...until they didn't. There was a fairly tepid ...
08/03/2026

Good morning! Well, rates started to come down from their recent highs...until they didn't. There was a fairly tepid reaction to the Fed meeting on Wednesday when they confirmed that they would not be hiking rates. A rate hike had been considered unlikely so the announcement didn't really move the markets. Then Friday came and we got a pretty atypical market mover. Japan confirmed it would be selling off foreign bonds in order to prop up their own currency, the US got involved as well and without going into a bunch of detail, it caused a considerable sell-off in US treasuries. The bond market has an impact on mortgage rates and that size of a sell-off was enough to push rates higher. Call me with questions and have a wonderful week!

Chad McDowell
Loan Officer NMLS #172223
[email protected]
615-584-7828

Good morning! It was a rough week for mortgage rates. As bombing in Iran escalated again, we got a rise in oil prices ...
07/27/2026

Good morning! It was a rough week for mortgage rates. As bombing in Iran escalated again, we got a rise in oil prices and the correlation with oil prices and mortgage rates has continued to stay in sync. We got a little relief on Friday with kind of an unofficial cease fire but overall, rates ended the week at their highest levels of the years. The Fed meets this week, it's unlikely they will announce a rate hike but getting a confirmation of that could possibly help markets. Call me with questions and have a wonderful week!

Chad McDowell
Loan Officer NMLS #172223
[email protected]
615-584-7828

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Nashville, TN

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