Virginia Harmon w/Cornerstone Real Estate

09/08/2026

Rates today keep climbing, feds meet Weds, hope someone gets a brain and realizes this isn't helping the consumer.

30 yr fixed-6.89
15 yr fixed-6.49

Let's hope for better rates soon.

Have a great day

08/06/2026

15.4 Acres of alot of possibilities, open space, horse/livestock property, fully fenced, lower area already prepared to build a home, power available in front the property, gorgeous mountain and reservoir views.. You must see this property. COME MAKE AN OFFER.

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08/06/2026

Rates are still fluxuating up and down. Mostly up. The feds can't seem to make up their mind what they want to do. Here is the latest.

8/6/2026
6.77%
Mortgage bonds opened lower this morning, with Treasuries under modest pressure following a Financial Times report that Fed Chair Kevin Warsh remains committed to a data-dependent approach, with sources indicating he would be prepared to raise rates if inflation remains elevated.

What to continue to watch

Continue locking loans closing soon while floating most other files -

• Where are rates headed? Higher.

• Why? Back and forth geopolitical tensions, higher oil prices, solid economic data.

• What’s next? Key jobs data on Friday.

Mortgage loan officers have different options for buyers, check with your loan officer or if you need a recommendation, contact me I can help.

07/08/2026

A stand out Property!
Mountain Views
Reservoir View
Fenced in
Horse Property
Livestock Property
Ground Prepared to build
Power on the front edge of Property
Easy Access
Buyer to intall Well & Septic
Priced just right $309,900
Offers Welcome

07/08/2026

Minute Market update

Floating the Market. As we have talked about for the last two weeks, no person or company can predict the daily direction of bond market prices beyond a 50/50 probability, which is effectively a 100% worthless prediction. This is not an opinion; it is an easily provable fact.



Advice to float or lock on any market day is basically a prediction that tomorrow’s rate sheet will be better or worse than today’s. Any person or firm who claims their float and lock advice has better than a 50/50 accuracy rate can easily be proven incorrect by simply comparing daily market price changes after their float and after their lock advisements.



Advising a person to “float” the market can be just as poor advice as advising a person when to “lock” their rate. For example, last Monday, a well-known firm advised their clients to float the market. This ended up being bad advice as Monday’s rate sheet was the best of the week and anybody who decided to float on Monday ended up with worse rate sheet pricing for the rest of this week. The borrower who planned to lock on Monday but instead followed the float advice, ended up with a worse rate sheet.



The same thing happened this Monday. If a borrower received float advice Monday morning they missed the best rate sheet of this week, so far. If they want to continue to float, they are taking a 50/50 chance each new day of a better or worse rate sheet, and they are taking the risk that a very bad international event occurs pushing rates much worse than the slight improvement they may hope to gain by floating.



This Week’s Reports. This will be a very quiet week of scheduled economic reports, with no reports likely to impact bond prices or interest rates. Any price volatility this week in the bond markets would likely be due to any unscheduled political news or any increase in hostilities in the Persian Gulf pushing up oil prices.

04/30/2026

Just curious, if you had a site that was ask an Real Estate Agent, what would you questions be?

04/29/2026