01/12/2026
This is a note from my favorite lender:
Jon Wojtowicz
Look below for additional options if you are a past customer :)
Market Update | A Quick Note for Homeowners (and Buyers)
Over the past few weeks, mortgage rates have quietly moved into the high 5% range levels we haven’t seen in nearly three years.
This shift didn’t come from headlines or hype. It’s the result of inflation easing, bond markets stabilizing, and early signs that the pressure cycle may finally be cooling.
Here’s what matters most.
Lower rates create opportunity, but they don’t mean everyone should rush to refinance or make a move. For some homeowners, acting now makes sense. For others, waiting is the smarter play. The difference comes down to strategy—not emotion.
To put real numbers behind it, here’s what roughly a 1% rate reduction can mean on a 30-year mortgage:
• $500,000 loan → about $325 per month
• $750,000 loan → about $485 per month
• $1,000,000 loan → about $650 per month
That’s meaningful monthly and annual savings for many households.
Where people often miss out in markets like this is relying on a quick online quote or the first lender they speak with. That usually means one rate, one option, and no broader strategy—sometimes leading to poor timing or missed opportunities.
That’s exactly why we built our Lender for Life program.
FOR PAST CLIENTS:
• All lender fees are waived on refinances
• You can refinance again if rates improve further
• There’s no need to time the market perfectly
Every review runs through our AI mortgage audit, and then I personally review it to give honest guidance whether that means moving forward now or waiting.
We’re licensed to help homeowners nationwide, whether the property is local or out of state.
If they would like a quick review, simply add me to an email with your past client requesting their most recent mortgage statement. I’ll take a look and let them know exactly where things stand.
Rate windows like this don’t stay open forever. The homeowners who benefit most are the ones who review early and avoid shortcuts.
PS: Even if you’ve refinanced recently or aren’t sure this applies to you, it’s still worth a quick look. Sometimes the best advice really is to wait—and I’m completely fine telling you that.
PPS: If you’re more interested in a Home Equity Line of Credit, there’s a simple way to review options without a sales pitch or long call. In about five minutes we can get your past clients access funds in as little as five days.
No pressure. Just clarity.
Send a message to learn more
