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 h

ome 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.

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

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

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

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

07/20/2026

Good morning! Rates got off to a rough start last week but after an initial spike they made their way back down and actually ended very slightly lower than where they began. The recovery was mostly the result of inflation numbers coming in better than expected for the second month in a row. We also were helped out by a little bit of stock market weakness. Overall, rates continue moving is a very small range. Call me with questions and have a wonderful week!

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

07/13/2026

Good morning! Interest rates were up very slightly last week, it would be hard to notice. Rates have moved up and down over the last month in a very small range, there hasn't been any real traction in either direction. Without any significant economic data, the bond market (and mortgage rates) are mainly reacting to US/Iran tensions and some of that fall out. As oil prices come down, rates probably will too but if we see another escalation, we may likely see rates move higher. Call me with questions and have a wonderful week!

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

07/06/2026

Good morning! It was not a great week for mortgage rates. There wasn't a lot of data for markets to react to but more likely it was continued end of quarter positioning and rebalancing. We got a small bounce back on Thursday with some jobs numbers before the market shut down for the 4th of July holiday weekend but we still ended the week worse off than where we started. Call me questions and have a wonderful week!

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

06/29/2026

Good morning! Interest rates continue to move in a fairly small range but we are seeing a little bit of downward momentum. Rates ended last week at their lowest point since early May. The movement down started with inflation numbers early in the week. The report just showed inflation coming in at the expected levels, nothing crazy, but it was enough to help. It's also the end of a quarter, some of the rate movement can be attributed to investors rebalancing their stock and bond portfolios. Call me with questions and have a wonderful week!

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

06/24/2026

🏡 BIG NEWS FOR TENNESSEE HOME BUYERS! 🏡

Starting July 1, eligible homebuyers may qualify for up to $10,000 in Down Payment Assistance through THDA's new pilot program.

✅ Up to $10,000 available
✅ 0% interest
✅ No monthly payment
✅ Forgivable after 10 years
✅ Available with FHA, VA, and USDA financing

For many buyers, saving for the down payment and closing costs is the biggest hurdle to homeownership. This program could make getting into a home much more affordable.

If you've been thinking about buying a home but weren't sure you had enough cash to get started, let's talk and see if you qualify.

📩 Message me for details or to run the numbers on your specific situation.

06/22/2026

Good morning! Interest rates ultimately ended flat for the week despite a spike up after Fed day. We had seen several days of lower rates before the Fed meeting but that was all erased pretty quickly. Markets reacted primarily to the Fed revising their outlook on the probability of rate hikes in 2026. When the Fed hikes rates, that is not a direct hike to mortgage rates, however there is some correlation. The bond market, which does directly impact mortgage rates, didn't like the Feds announcement and lost some ground causing rates to move higher. Call me with questions and have a wonderful week!

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

Address

Nashville, TN

Website

https://edgehomefinance.com/team-member/chad-mcdowell/

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