John Polefka Real Estate Agent

03/23/2026

JUST LISTED: Immaculate 1360 sq ft 2BR 2BA Roseville Townhouse Condo. DM me for detailshttps://matrix.realcomponline.com/matrix/shared/469GlG5vDpJd/19512StanfordLane

03/08/2026

🎉🎉Congratulations Jesse!🎉🎉 There's nothing better than helping a friend buy his beautiful first home! 🏠😁🎸 From the bottom of my heart I truly thank you for trusting me to help you make it all happen!❤️

03/05/2026

Beautiful RANCH CONDO- Ground Floor. 2 Bedrooms/ 2 Full Baths. Master bedroom has a walk-in closet. Master Bath has a glass enclosed shower.Great Room features a Gas Fireplace. Kitchen has a dedicated dining area, a new Dishwasher included in the sale, and a door wall leading to a Patio facing a ...

03/02/2026

Hello and quick question, are you or anyone you know thinking about selling in 2026? I'm doing free pre-market valuations this month (no strings attached) and wanted to reach out. If you're curious what your place is worth, I'm happy to pull some numbers!

02/18/2026

Jan 2025 YOY Jan 2026 Sales and Listing Comparison

12/18/2025

Paraphrased from
Vince Newsome's Market Update - National Mortgage Funding

Why Fed Cuts Don’t Control Mortgage Rates
The Federal Reserve controls very short-term loans, sometimes lasting just overnight.
Mortgages are long-term loans, often 30 years.

Because of that:

Short-term rates and long-term mortgage rates do not move in lockstep. They often go in different directions

Mortgage Rates Move Daily (The Fed Doesn’t)
The Fed only meets eight times per year.
Mortgage rates move every single day based on the economy and investor expectations.

Most of the time:

The market already knows what the Fed is going to do

Mortgage rates adjust before the Fed actually makes an announcement

When the Fed finally cuts rates, the mortgage market has usually already priced it in.

What the Market Is Expecting Now
Right now, investors believe:

There may be only one more Fed rate cut between now and early 2026. This outlook has been forming for months. Because this is already expected, it is not moving mortgage rates much last week.

What Will Move Mortgage Rates?
Mortgage rates will respond to future economic data, especially:

Jobs Report
A weaker job market increases the chance of future Fed cuts, which can help rates move lower

A strong job market can keep rates higher

Inflation Report (CPI)
Lower inflation is good for mortgage rates

Higher inflation can push rates higher

Think of it like two-coin flips:

If both reports point the same direction, rates tend to move more. If they conflict, rates may barely move at all

Final Takeaway
Fed rate cuts do not guarantee lower mortgage rates

Mortgage rates move based on expectations and economic data

Jobs and inflation report matter more than Fed headlines

*** Vincent Newsome***
Home Loan Advisor, National Mortgage Funding, NMLS 713774

Phone 248-388-5528

Website nationalmortgagefunding.net

Email [email protected]

12/11/2025

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12/11/2025