Stringham Mortgage Team

Stringham Mortgage Team Local, Authentic Loan Officer with 13 years experience. I offer personalized and excellent customer

You're invited to The Next Chapter Mortgage Car Show Open House on Ogden's 25th Street.Clients, friends, partners, famil...
06/05/2026

You're invited to The Next Chapter Mortgage Car Show Open House on Ogden's 25th Street.

Clients, friends, partners, family, and everyone is welcome to drop by, enjoy, and come see us. We're celebrating the Ogden's 25th Street Car Show by opening our doors to the community.

See stunning cars, classic rides, and amazing builds. Meet our team, enjoy refreshments on us, and check out one of the proud businesses on 25th Street.

June 5th from 3 to 7 PM at 103 25th Street, on the corner of Wall and 25th, right across from Union Station.

Let's make this an amazing day together.

05/28/2026

I need to talk about one of the most impressive down payment assistance programs I have worked with in a long time and I genuinely think you need to hear this.

It is called the Pathway Home Grant Program and it is a true grant. Not a second mortgage quietly stacked onto the back of your loan. Not a deferred payment that comes back to haunt you later. Actual grant money gifted to you at closing with no repayment, no second lien, and no balloon payment hanging over your head. Depending on the program option you choose you can get up to 3.5 percent of the purchase price covered completely free.

Here is a quick example. On a $500,000 home your down payment would be around $16,500. This program can provide that entire amount and you never pay it back. And after six payments you are even allowed to do an FHA streamline refinance into a lower rate when the time is right.

This program works for first-time homebuyers, teachers, medical workers, first responders, military families, civil servants, and many everyday buyers with credit scores starting at 620 or higher. This is as close to free money in housing as I have ever seen.

Yes your payment may be slightly higher for the first six months. But compared to coming out of pocket for $16,500 that is not even a real comparison. If you want more programs like this that most people never hear about, follow me and share this with someone who is trying to buy a home. Let's get more people into homes.

05/19/2026

Big news. Kevin Warsh was just confirmed as the new Federal Reserve chair and everyone is asking the same question: what does this mean for mortgage rates?

Here is the truth most people miss. The Fed actually controls short-term lending rates between banks. Mortgage rates are driven by the long-term bond market, inflation expectations, and investor sentiment. Those are completely different levers and a new Fed chair does not flip a switch that instantly moves your mortgage rate in either direction.

Rate decisions still go through a 12-member committee regardless of who is in the chair. And with inflation currently sitting at 3.8 percent, the Fed will likely stay patient through Warsh's first few meetings rather than making dramatic moves in either direction. The good news is that industry leaders are pointing to one word to describe the outlook under new leadership: stability. And stability is exactly what buyers need to confidently plan their next move.

If you want to know where mortgage rates are actually headed, stop watching Fed headlines and start watching the bond market. That is where the real story lives.
Follow me for more on what is actually moving the market right now.

04/21/2026

The biggest story in real estate right now is not rates, inventory, or prices. It is the ceasefire, and here is why it changes everything for buyers who have been sitting on the sidelines.

When the conflict in the Middle East kicked off in late February, oil prices spiked, Treasury yields jumped, and the spring market essentially froze in place. But the two-week US and Iran ceasefire announced earlier this month has already pulled the 10-year Treasury yield back down and stabilized energy markets. That matters for one significant reason: mortgage rates follow the 10-year Treasury. When that yield comes down, your rate comes down with it.

Freddie Mac's chief economist Sam Khater is already calling this a positive development for homebuyers that could spark a stronger spring market than we saw last year. The buyers who went quiet in March are watching this closely, and a more stable backdrop tends to bring fence-sitters right back into showings fast. Add to that the fact that Bright MLS is reporting a historic rise in inventory, which means more choices and more room to negotiate the moment confidence returns.

If you paused your home search this spring, now is the time to take another look. The window is opening back up and buyers who move with the right strategy right now are going to be very well positioned.

04/14/2026

Redfin just dropped a report that every buyer and seller needs to see, and the numbers are more significant than most people realize.

Buyers currently have more leverage than at any point in the last 13 years. Let that sink in for a moment. There are approximately 46% more sellers than buyers in today's market, and that imbalance is doing something we have not seen in years: bringing back real concessions, closing cost credits, and genuine room to negotiate. Inventory just crossed 723,000 single-family homes, which means buyers finally have options again instead of fighting over the same three listings in their price range.

And sellers are not losing here either. More homes are being priced accurately from day one, which is producing cleaner transactions and faster closings across the board. That is a better experience for everyone involved.

Here is the piece I am most excited to share right now. The week of April 12th through April 18th is statistically the single best week of the entire year to list a home according to Realtor.com data. Buyer traffic peaks, search volume spikes, and homes listed during this window consistently sell faster and for more money than listings from any other week of the year. If you have been waiting for the right moment to list, that moment is right now.

Follow me for more real-time market updates every week.

04/10/2026

Two things just happened in real estate that are worth paying close attention to right now.

First, Fannie Mae just approved crypto-backed mortgages for the first time ever. A new partnership between Better Home and Finance and Coinbase now allows borrowers to pledge Bitcoin or USDC as collateral for a loan that covers their down payment, and you keep ownership of your crypto the entire time. This is the first time a government-sponsored enterprise has ever backed a product like this, and the significance of that cannot be overstated.

According to a Redfin survey, about 13% of younger buyers have already had to sell their crypto just to fund a down payment. This changes that entirely.

Second, Realtor.com just identified the week of April 12th through April 18th as the single best time to list a home this year. Listings during that window historically get nearly 17% more views and sell about 17% faster than other weeks. Spring is when buyer activity peaks, more people are searching, more people are touring, and there is genuine urgency because families want to be settled before summer.

Whether you are buying, selling, or just watching the market, these two developments matter. Follow me for more data-driven updates on what is actually happening in real estate right now.

04/06/2026

Something is quietly being discussed behind the scenes in the housing industry right now that could reshape the entire entry-level market, and most people have not heard about it yet.

On February 9, 2026, the House passed the Housing for the 21st Century Act, a significant push to cut red tape and accelerate building. But the rumor circulating among industry insiders is even bigger. Major homebuilders are reportedly exploring an unannounced plan to build up to one million entry-level homes structured for rent-to-own rather than traditional sale. The way it would work is that you rent the home and up to three years of rent gets credited toward your future down payment. You are not just renting. You are building a down payment while living there.

If this gets federal backing it could be a genuine game-changer for first-time buyers who have been priced out of the market. It would also force traditional mortgage lending to adapt quickly to a new kind of buyer pipeline.

The catch is that rent-to-own only works if the contract is clean. Purchase price terms, credit rules, maintenance responsibilities, and exit clauses all matter enormously.

Comment RENT TO OWN below and I will send you a checklist of exactly what to look for so you do not get locked into a bad deal.

04/01/2026

Nobody warns you about this one until it is already too late, and it is ending closings across the country right now at the absolute worst possible moment.

Everything is in place. Offer accepted, appraisal clean, loan fully approved. And then right before closing the whole deal collapses without warning. The reason almost nobody sees coming is homeowners insurance. Insurers have been pulling back and tightening underwriting guidelines in higher risk areas nationwide, and the problem has expanded well beyond Florida and California into markets most buyers never thought twice about.

In February 2026, Malibu made major headlines filing legal action tied to wildfire damages, a sobering and very public signal of just how serious and geographically widespread the risk and cost conversations have become across the entire industry.

When an insurance quote comes back dramatically higher than expected, that premium gets calculated directly into the monthly housing payment. Even a loan that passed every single checkpoint can fail at the final moment if that number pushes the debt to income ratio past the lender's maximum limit. And without confirmed insurance actively in place, no mortgage closes, period, under any circumstances.

Researchers have been documenting how rising insurance costs are directly and measurably restricting mortgage access through debt to income limits, and buyers are consistently getting blindsided at the single worst moment of the entire transaction.

Before you remove contingencies, particularly in any elevated risk area, get a real confirmed insurance quote from an actual carrier. Not an estimate. A quote. And identify a backup option before you need one. Comment "INSURANCE" and I will give you the exact timing I use with clients so this never sabotages your closing.

03/30/2026

Everyone is talking about inventory being up and buyers finally having the upper hand. So why does it still feel like such a tough market out there?

Here is what is actually happening beneath the surface. A lot of sellers listed their homes at a number they wanted, not a number the market was willing to pay. When the offers did not come in, they did not drop the price. They just pulled the listing and went back to waiting. That is why you are seeing more homes available without the big price drops you would expect. The standoff is real, and it is playing out quietly across the country right now.

But here is the opportunity most buyers are completely missing. Every week a home sits on the market, the seller gets a little more motivated even if the price tag never moves. That motivation shows up in seller credits, rate buydowns, closing cost help, and repair allowances. Those concessions can be worth tens of thousands of dollars to the right buyer who knows how to ask.

Comment STALE below and I will share the exact signs I look for that tell me a seller is ready to deal before the price ever reflects it.

03/25/2026

Long term homeowners, the tax rules around selling your home have not changed since 1997 and that outdated number is quietly keeping a lot of people stuck.

Right now single homeowners can exclude up to $250,000 in profit from a home sale tax free and married couples up to $500,000. That sounds reasonable until you realize how dramatically home values have risen since then. A lot of owners who built serious equity over the years genuinely want to downsize or relocate but when they run the numbers on what they would owe in taxes, they decide it is easier to just stay. Lawmakers are now actively discussing raising that cap and potentially tying it to inflation, and the motivation is simple. Unlock those sellers and you unlock more homes for the market.

Some experts argue the change would not dramatically increase supply since many sellers already fall under the current limits. Others believe it could meaningfully move the needle for higher equity markets. Either way the discussion is serious enough and loud enough that anyone sitting on significant appreciation needs to be thinking about their plan right now rather than later.

Comment "CAP GAINS" and I will walk you through how the current rules actually work and the most common and costly mistakes I see sellers make when they have not planned ahead.

Address

5929 South Fashion Point Drive, Suite 203
South Ogden, UT
84403

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+18019910100

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