Jim at SpinnerTeam.com 410323

08/12/2026

Mortgage rates received a little relief today. 🏠

The latest inflation report came in right in line with forecasts. Annual inflation slowed from 3.5% to 3.4%, and the estimated probability of a September Federal Reserve rate hike dropped to roughly 40%.

That’s encouraging—but inflation remains above the Fed’s 2% target, and volatile oil prices continue to be the biggest wild card.

Today, a well-qualified Fannie Mae borrower can expect to see a national average near 6.74%.

Before you commit to that—or any mortgage rate—compare it.

See your personalized rate quote at:
👉 https://SpinnerTeam.com

No Social Security number or email address is required.

Jim Spinner | NMLS #410323
US Wide Financial LLC | NMLS #192116
Equal Housing Opportunity

Rates and terms are subject to change and borrower/property qualification. This is not a commitment to lend.

08/10/2026

Oil prices are climbing again—and mortgage rates could soon feel the pressure.

Optimism about reopening the Strait of Hormuz has faded, sending oil prices nearly 5% higher and putting upward pressure on Treasury yields.

Now, attention turns to Wednesday’s Consumer Price Index report.

Last week’s jobs report showed a slowing labor market and reduced expectations for a September Federal Reserve rate hike. But inflation remains the Fed’s biggest obstacle.

A hotter-than-expected CPI could push Treasury yields and mortgage rates higher. A cooler report could provide some much-needed relief.

A well-qualified Fannie Mae borrower can currently expect to see a national average near 6.76%.

Before committing to that—or any mortgage rate—compare it against my personalized online quote at SpinnerTeam.com.

No Social Security number or email address is required.

Jim Spinner | Senior Loan Officer
NMLS #410323
US Wide Financial LLC | NMLS #192116
Equal Housing Opportunity

08/07/2026

JOBS MARKET SENDS MIXED SIGNALS

The July jobs report showed that U.S. payrolls unexpectedly fell by 23,000 jobs. At the same time, the unemployment rate edged lower to 4.1%.

Why did unemployment fall while the economy lost jobs?

Evidence suggests more people stopped looking for work. Once someone is no longer actively searching for a job, they are no longer counted as unemployed.

Following the report, investors lowered the probability of a September Fed rate hike to approximately 44%. The next major test will be Wednesday’s Consumer Price Index inflation report.

Mortgage rates caught a modest break. A well-qualified Fannie Mae borrower can currently expect to see a national average near 6.74%—the lowest level in more than two weeks.

Before accepting any mortgage rate, compare it against your personalized quote at SpinnerTeam.com. No Social Security number or email address is required.

Compare before you commit—and then save with SpinnerTeam.



Jim Spinner | Senior Loan Officer | NMLS #410323
US Wide Financial LLC | NMLS #192116
Equal Housing Opportunity. Not a commitment to lend. Qualification required. Rates, programs, and terms are subject to change.

08/05/2026

MORTGAGE RATES AT A TWO-WEEK LOW 📉

Mortgage rates are holding near their lowest levels in more than two weeks.

Hopes for progress in the Middle East pushed oil prices—and Treasury yields—lower. Meanwhile, expectations for a September Fed rate hike fell from roughly 67% to 55%.

Today’s ISM Services report also showed that the service side of the economy continues to grow, although the details were mixed.

Watch today’s 2-Minute Mortgage Update for the complete breakdown.

Want to compare the national average against my online rate?

Visit SpinnerTeam.com and click “See My Personal Rate Quote.” No Social Security number, email address, or credit pull is required.

Compare before you commit—and then save with SpinnerTeam.

Jim Spinner | Senior Loan Officer
NMLS #410323
US Wide Financial LLC | NMLS #192116
Equal Housing Opportunity

This communication is for informational purposes only and is not a commitment to lend. All loans are subject to buyer and property qualification. Programs and fees are subject to change or cancellation without notice.

08/03/2026

Mortgage rates are holding near their 2026 highs—even as Treasury yields moved lower to begin the week.

The improvement in the bond market followed a sharp drop in oil prices as investors reacted to renewed hopes for de-escalation between the United States and Iran. However, the move wasn’t enough to produce a meaningful improvement in mortgage pricing.

Now, attention turns to two important economic reports:

• Wednesday: ISM Services
• Friday: Jobs and unemployment

A stronger-than-expected jobs report could push Treasury yields and mortgage rates higher. Weaker data could provide some relief.

As of Monday afternoon, the national average for a well-qualified Fannie Mae borrower was near 6.82%—close to the 2026 high of 6.85%.

Before you commit to a rate, compare it against my online rate at SpinnerTeam.com. No Social Security number or email address is required.

Compare before you commit—and then save with SpinnerTeam.



Jim Spinner | NMLS #410323
US Wide Financial LLC | NMLS #192116
2200 Westport Plaza Drive, Suite 312
St. Louis, MO 63146
Equal Housing Opportunity

For informational purposes only. This is not a commitment to lend. All loans are subject to borrower and property qualification. Programs, rates, terms and fees are subject to change or cancellation at any time.

07/31/2026

Fed hawks and concerns surrounding Japan’s yen pushed mortgage rates higher to end the week.

Three Federal Reserve officials who voted to raise rates said inflation remains too high, the economy is still strong, and waiting too long could force the Fed to take more aggressive action later.

Markets are now pricing in roughly a 67% chance of a Fed rate hike in September.

Then, reports that the U.S. Treasury may intervene to support the Japanese yen added even more pressure. Traders worried that intervention could lead to additional selling of U.S. Treasury bonds—pushing Treasury yields and mortgage rates higher.

As of Friday afternoon, the national average for a well-qualified Fannie Mae borrower was near 6.83%—back near its 2026 highs.

Before accepting your lender’s rate, compare it against my online rate at SpinnerTeam.com.

No Social Security number or email address is required.

Compare before you commit—and save with SpinnerTeam.



Jim Spinner | NMLS #410323
US Wide Financial LLC | NMLS #192116
Equal Housing Opportunity

2200 Westport Plaza Drive, Suite 312
St. Louis, MO 63146

This communication is for informational purposes only and is not a commitment to lend. All loans are subject to buyer and property qualification. Programs, rates, and fees are subject to change or cancellation at any time.

https://www.nmlsconsumeraccess.org/

07/29/2026

The Fed held rates steady—so why did mortgage rates move higher? 📈

The Federal Reserve voted 9–3 to keep its benchmark interest rate unchanged today. However, the bond market reacted to the Fed’s tough message on inflation, pushing the 30-year Treasury yield to its highest level since 2007.

Remember, the Fed does not directly set mortgage rates. Mortgage rates react primarily to movements in the bond market.

A well-qualified Fannie Mae borrower can now expect to see a national average near 6.78%.

Want to compare that against my online rate? Visit [www.SpinnerTeam.com](http://www.SpinnerTeam.com) and click “See My Personal Rate Quote.” No Social Security number or email address is required.

Follow SpinnerTeam for mortgage market updates every Monday, Wednesday and Friday afternoon.

Compare before you commit.

Jim Spinner
Senior Loan Officer | NMLS ID #410323
314.495.3941
[[email protected]](mailto:[email protected])
[www.SpinnerTeam.com](http://www.SpinnerTeam.com)

2200 Westport Plaza Drive, Suite 312
St. Louis, MO 63146

US Wide Financial LLC. NMLS ID #192116 | [www.nmlsconsumeraccess.org](http://www.nmlsconsumeraccess.org) | Equal Housing Opportunity. This communication is for informational purposes only and is not a commitment to lend. All loans are subject to buyer and property qualification. Programs and fees are subject to change or cancellation at any time without notice.

07/27/2026

⚠️ This could be a critical week for mortgage rates.

A pause in the recent back-and-forth airstrikes between the United States and Iran pushed oil prices sharply lower—and Treasury yields followed them down.

That’s an encouraging start to the week, but attention now turns to Wednesday afternoon’s Federal Reserve announcement.

The Fed’s decision and press conference could cause mortgage rates to move quickly.

If you’re shopping for a home or already under contract, stay in close contact with your lender this week.

Before you commit, compare your lender’s offer against my online rate:

https://www.SpinnerTeam.com

Click “See Your Personalized Rate Quote.” No Social Security number or email address is required.

Jim Spinner
Senior Loan Officer
NMLS ID # 410323
314.495.3941
[[email protected]](mailto:[email protected])
https://www.SpinnerTeam.com

2200 Westport Plaza Drive, Suite 312
St. Louis, MO 63146

US Wide Financial LLC. NMLS ID #192116 | https://www.nmlsconsumeraccess.org/ | Equal Housing Opportunity. This communication is for information purposes only. This is not a commitment to lend. All loans are subject to buyer and property qualification. All programs and fees are subject to change or cancellation at any time and without notice. Contact US Wide Financial to learn more about mortgage products and your eligibility.

07/24/2026

Mortgage rates reached their highest levels in nearly 12 months this week.

Renewed U.S.–Iran fighting pushed oil prices and inflation concerns higher. We received some encouraging news Friday, but it wasn’t enough to erase the week’s damage.

Before committing to your current lender, compare their offer against my online rate.

Visit SpinnerTeam.com and click Today’s Rate Quote. No Social Security number or email address is required.

📞 314-495-3941

New updates every Monday, Wednesday, and Friday afternoon.

Jim Spinner
Senior Loan Officer
NMLS ID # 410323

2200 Westport Plaza Drive, Suite 312
St Louis, MO 63146

US Wide Financial LLC. NMLS ID #192116 | https://www.nmlsconsumeraccess.org/ | Equal Housing Opportunity. This communication is for information purposes only. This is not a commitment to lend. All loans are subject to buyer and property qualification. All programs and fees are subject to change or cancellation at any time.

07/23/2026

🏡 A VERY SPECIAL LAKEFRONT HOME JUST HIT THE MARKET!

This listing is personal to me. I’m neighbors with the owner, and I’ve helped her care for and maintain this property. I’ve seen firsthand how much attention she has given this beautiful home.

Located on Lake Montowese, this fully furnished lakefront property features:

• 4 bedrooms and 2½ bathrooms
• 2,625 square feet
• Floor-to-ceiling lake views
• Gourmet kitchen and custom cabinetry
• Bar opening to the patio
• Upper balcony overlooking the water
• Beautifully landscaped yard
• Dock access
• A like-new pontoon boat included

It’s currently offered at $630,000—and it truly offers a lake lifestyle just a short drive from St. Louis.

Take a look at the photos and full listing here:
https://www.zillow.com/homedetails/3661-S-Lakeshore-Dr-Byrnes-Mill-MO-63051/49699251_zpid/

If you’re interested in purchasing the home and would like help reviewing your financing options, feel free to contact me.

Jim Spinner
Senior Loan Officer | NMLS #410323
314-495-3941
[[email protected]](mailto:[email protected])
SpinnerTeam.com

Listed by Lauren Daugherty with RedKey Realty Leaders. I am not the listing agent.

3661 S Lakeshore Dr, Byrnes Mill MO, is a Single Family home that contains 2625 sq ft and was built in 1968.It contains 4 bedrooms and 3 bathrooms. The Zestimate for this Single Family is $617,000.The Rent Zestimate for this Single Family is $2,938/mo.