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Fitzgerald Team 1st Response Mortgage LO NMLS #1284924, Sarasota, FL (2026)

06/24/2026

📊 Mortgage Rates — Wednesday, June 24, 2026

Here's your rate update for today, plus some good news from this morning's economic report.

📋 TODAY'S RATES (national averages, source: Bankrate):
• 30-Year Fixed: 6.58% / APR 6.68% ▼ (slight dip)
• 15-Year Fixed: 6.00% / APR 6.09%
• FHA 30-Year: 6.28% / APR 6.31%
• VA 30-Year: 6.24% / APR 6.28%
• Jumbo 30-Year: 6.76% / APR 6.79%

Quick reminder: APR (Annual Percentage Rate) is the "all-in" cost of your loan — it includes the interest rate plus fees. Always compare APR, not just the rate.

💡 WHAT HAPPENED THIS MORNING: The government released the PCE report — that's the Federal Reserve's favorite inflation gauge. The good news? Inflation eased slightly. Core PCE (which strips out food and energy) came in at 3.3% year-over-year, down from 3.4% last month.

That's not a dramatic shift, but it's moving in the right direction. And it helped calm the bond market this morning, which is why you're seeing the 30-year rate tick just slightly lower today.

🌎 THE BIGGER PICTURE: Rates are holding steady in the mid-6% range because:
1. The Fed is still on hold — no rate cuts expected until 2027
2. Inflation is easing, but still above the Fed's 2% target
3. US-Iran peace talks are progressing, which is calming oil prices and bond markets

🏠 SARASOTA MARKET UPDATE (May 2026 data):
• Single-family homes: Median $475,000, only 50 days to go under contract
• Inventory: 4.4 months supply — still a seller-friendly market for SFH
• Condos: 7.1 months supply — more options and more room to negotiate

Bottom line for buyers: the market isn't sitting still waiting for rates to drop. Good homes are still selling in 50 days. Waiting for a "perfect rate" means competing against more buyers later.

🔒 MY RECOMMENDATION: LOCK your rate if you're within 30 days of closing. There's no clear catalyst to push rates much lower right now.

"Marry the house, date the rate." Find the right home first. Refinancing options will always be there.

Questions? DM me or book a free 15-min call. I'll look at your specific situation — no pressure, just numbers.
👉 calendly.com/tony-1st-response-mortgage/15consult

—
Rates shown are national averages and do not represent a specific loan offer or commitment to lend. Actual rates vary based on credit score, loan-to-value ratio, loan amount, property type, occupancy, and other factors. May include discount points. All loans subject to credit approval.

Barrett Financial Group, L.L.C. | NMLS #181106 | FL License
Tony Fitzgerald, Loan Officer | NMLS #1284924
Equal Housing Lender

06/23/2026

🏠 Nobody expected this housing market.

The mainstream media has been predicting doom and gloom for years. So here's what's actually happening right now:

✅ Pending sales are UP 17% year-over-year
✅ Inventory is flat — NOT crashing down
✅ Prices are stable — no wave of foreclosures

We are in a full buyer's market. Sellers outnumber buyers by 500,000 right now, and that means YOU have leverage.

Here's what that means in plain terms:
→ Homes are sitting longer before selling
→ Sellers are more willing to negotiate
→ You can be picky and patient

And with the 30-year fixed rate at 6.61% / 6.76% APR (Money.com, week of Jun 23), you're not waiting for 3% to come back — the buyers winning right now are the ones who got pre-approved and got to work.

If you've been on the fence, the leverage you've been waiting for is here. Quietly.

This video breaks it down really well 👇
https://www.youtube.com/watch?v=Rg__0Yw5ISQ

If you want to know what you qualify for in today's market, DM me. No pressure, just real numbers.

—

Barrett Financial Group, L.L.C. | NMLS #181106 | FL License
Tony Fitzgerald, Loan Officer | NMLS #1284924 | Equal Housing Lender
Rates shown are national averages and do not represent a specific loan offer or commitment to lend. Actual rates vary based on credit score, loan-to-value ratio, loan amount, property type, occupancy, and other factors. May include discount points. All loans subject to credit approval.

06/23/2026

📊 Mortgage Rates — Tuesday, June 23, 2026

Rates are holding steady this week. Here's your morning snapshot.

📋 TODAY'S RATES (national averages with APR):
• 30-Year Fixed: 6.53% / APR 6.59% — same as yesterday
• 15-Year Fixed: 5.90% / APR 6.01%
• FHA 30-Year: 6.38% / APR 6.43%
• VA 30-Year: 6.54% / APR 6.58%
• Jumbo 30-Year: 6.65% / APR 6.69%

What's APR? It's the "all-in" cost of your loan including fees. Always compare APR, not just the rate. Two loans can have the same rate but very different total costs.

📈 WHAT'S MOVING RATES TODAY:
The 10-year Treasury (the bond that mortgage rates follow most closely) sits at 4.51% this morning — slightly up from last week. Translation: don't expect rates to drop any time soon.

The Fed just met last week and held rates steady at 3.50-3.75%. New Fed Chair Kevin Warsh dropped the old habit of giving "forward guidance" — meaning no more hints about what comes next. That uncertainty is keeping bond investors cautious, which keeps mortgage rates elevated.

Inflation is still the big story. May's CPI came in at 4.2% — a 3-year high. Until that number cools down significantly, rates are likely to stay in this range or drift higher.

🏠 SARASOTA MARKET THIS WEEK:
The local market is still moving. May data shows:
• Single-family median: $475,000 (up 2.2% from last year)
• Inventory: only 4.4 months of supply (tight)
• Homes going under contract in just 50 days on average

If you're waiting for rates to drop before buying, the inventory is not going to wait with you. Homes are still selling.

Manatee County SFH: median $460K, 47 days to contract — even faster.

💡 LOCK OR FLOAT?
LOCK. With the 10-year at 4.51% and no clear catalyst for rates to drop, waiting is a gamble. If your closing is within 45 days, lock your rate and stop watching the market.

"Marry the house, date the rate." You can always refinance when rates improve. The right home is harder to find.

Questions about today's rates or the local market? DM me or book a free 15-minute call — I'll look at your specific situation.

—
Rates shown are national averages and do not represent a specific loan offer or commitment to lend. Actual rates vary based on credit score, loan-to-value ratio, loan amount, property type, occupancy, and other factors. May include discount points. All loans subject to credit approval.

Barrett Financial Group, L.L.C. | NMLS #181106 | FL License
Tony Fitzgerald, Loan Officer | NMLS #1284924
Equal Housing Lender

06/22/2026

🏠 Something shifted in the housing market last month that nobody's really talking about.

Home listing prices just posted their biggest year-over-year drop in 9 years. Down 2.4% from May 2025, according to Realtor.com. The national median is now $429,500.

At the same time, existing home sales rose 3.2% in May. And inventory climbed to 1.55 million homes nationwide.

Here's what that combination means: sellers are pricing to move, not to test the market. And buyers who show up with a pre-approval are walking into real negotiating power right now — especially here in Florida, where inventory is continuing to build.

Rates right now on a 30-year fixed: 6.61% (6.76% APR) according to Money.com's survey of 8,000+ lenders (based on 700 credit score, 20% down). The Freddie Mac weekly average came in at 6.47% for the week of June 18.

Not where any of us want them. But the market is adjusting around them. Sellers know it. That's why prices are moving.

If you've been waiting for the "right time," this might be worth a conversation. I'm here if you want to run the numbers on what a home in this range actually costs monthly, with your specific situation.

DM me anytime. 🔑

---
Barrett Financial Group, L.L.C. | NMLS #181106 | FL License
Tony Fitzgerald, Loan Officer | NMLS #1284924 | Equal Housing Lender
Rates shown are national averages and do not represent a specific loan offer. Actual rates vary based on credit score, LTV, loan amount, and other factors. All loans subject to credit approval.

06/22/2026

📊 Mortgage Rates — Monday, June 22, 2026

After Juneteenth, bond markets are back open this morning. Here's what that means for anyone buying a home or thinking about refinancing.

📋 TODAY'S RATES (national averages):
• 30-Year Fixed: 6.53% / APR 6.59% ▲
• 15-Year Fixed: 5.90% / APR 6.01%
• FHA 30-Year: 6.38% / APR 6.43%
• VA 30-Year: 6.54% / APR 6.58%
• Jumbo 30-Year: 6.65% / APR 6.69%

What is APR? It's the "all-in" cost of your loan — the rate plus fees, rolled into one number. Always compare APR, not just the interest rate.

📈 WHY ARE RATES GOING UP?

The 10-year Treasury (which drives mortgage rates) opened at 4.48% this morning — up slightly from Thursday's close. Markets are repricing after last week's Federal Reserve decision, where the Fed held rates steady for the 4th time in a row.

Here is the thing — the Fed also released a new "dot plot" (basically a roadmap of where they think rates are going). It turned hawkish. That means they see more inflation risk ahead, not less. In fact, there is now roughly a 50% chance they could RAISE rates before the end of 2026. Goldman Sachs says no rate CUTS until 2027 at the earliest.

That is not great news for anyone waiting for rates to drop. Waiting has a real cost.

🏠 SARASOTA MARKET UPDATE:

The local market is still moving. Sarasota single-family homes have a median price of $475,000 with only 4.4 months of inventory — still a balanced-to-seller's market. In Manatee County, the median close price hit $499,000 last week with homes averaging 66 days to close.

The window is open right now. Inventory isn't flooding in and sellers aren't panicking on price yet.

💡 MY TAKE: STRONG LOCK

If you are within 45 days of closing — lock your rate today. The risk is tilted higher, not lower. Inflation is sticky, the Fed is watching, and the bond market opened this week on the wrong side.

If you are further out, let's talk. There may be options to protect yourself without fully locking right now.

"Marry the house, date the rate." Get into the right home while you can. Refinancing is always an option later.

Questions? DM me or book a free 15-min call. Happy Monday.

—

Rates shown are national averages and do not represent a specific loan offer or commitment to lend. Actual rates vary based on credit score, loan-to-value ratio, loan amount, property type, occupancy, and other factors. May include discount points. All loans subject to credit approval.

Barrett Financial Group, L.L.C. | NMLS #181106 | FL License
Tony Fitzgerald, Loan Officer | NMLS #1284924
Equal Housing Lender

06/19/2026

🕊️ Something just shifted in the housing market — and most buyers don't know it yet.

This week, rates dropped to 6.47% (Freddie Mac, week ending June 18). That's down from 6.52% last week and a full 0.34 percentage points below where they were this same time last year.

What moved them? A ceasefire agreement between the U.S. and Iran — a 14-point memorandum aimed at reopening the Strait of Hormuz and easing oil pressure. Less geopolitical risk = bonds rally = mortgage rates fall.

Here's what else happened this week that buyers should know:

📋 Contract signings rose 3.8% in May. Buyers ARE moving.
📉 Listing prices are now down year-over-year for 7 consecutive months. Sellers are adjusting.
🏠 Pending home sales strengthened — Freddie Mac called it "continued modest improvement in purchase demand."

The buyers who stopped waiting and got pre-approved are the ones writing contracts right now.

If you're in Sarasota or anywhere in Florida and you've been on the sidelines, this is worth a real conversation. Not because I'm telling you to buy — but because the math is changing, and you deserve to know what it actually looks like for YOUR situation.

30-yr fixed: *6.55% / 6.70% APR* (Money.com national avg, 700 FICO, 20% down)
15-yr fixed: *5.98% / 6.08% APR*

DM me anytime. No pressure. Just answers. 🙏

—

Rates shown are national averages and do not represent a specific loan offer or commitment to lend. Actual rates vary based on credit score, loan-to-value ratio, loan amount, property type, occupancy, and other factors. May include discount points. All loans subject to credit approval.

Barrett Financial Group, L.L.C. | NMLS #181106 | FL License
Tony Fitzgerald, Loan Officer | NMLS #1284924 | Equal Housing Lender

06/19/2026

📊 Mortgage Rates — Friday, June 19, 2026

Today is Juneteenth. The bond market is closed — which means rates are holding steady from yesterday. No surprises. Good day to plan your next move.

📋 TODAY'S RATES (national averages with APR):
• 30-Year Fixed: 6.48% / APR 6.63% ▼ slightly lower
• 15-Year Fixed: 5.82% / APR 5.97%
• FHA 30-Year: 6.22% / APR 6.62%
• VA 30-Year: 6.29% / APR 6.54%
• Jumbo 30-Year: 6.71% / APR 6.81%

(Quick note: APR = the "all-in" cost of the loan including fees. Always compare APR, not just the rate.)

📉 RATES TICKED LOWER THIS WEEK — HERE'S WHY:

Peace talks between the US and Iran are gaining traction. A preliminary ceasefire deal is in place. Oil was sitting above $100 a barrel earlier this month — it's now pulling back. And when energy costs ease, inflation fears ease too. That puts mild downward pressure on mortgage rates.

The Federal Reserve held rates at 3.50–3.75% on Tuesday. No cuts. No path forward either — new Fed Chair Kevin Warsh said he's done with "forward guidance." That means no roadmap from the Fed anymore. Markets are flying blind. If you're waiting for the Fed to signal the all-clear on rates... that signal isn't coming.

🏠 SARASOTA MARKET UPDATE:
Median home price: $475,000 (+2.2% YoY)
Single-family homes: 4.4 months supply — still a seller's market
Condos: 7.1 months supply — buyers have real negotiating power there
Homes going under contract in about 50 days on average

💡 MY TAKE FOR TODAY: LOCK

Rates are slightly lower this week, but we've got a hawkish Fed, sticky inflation (CPI hit 4.2% in May — a 3-year high), and a 50% chance of a rate HIKE by December. This is a favorable window. If you're within 60 days of closing, locking today is the smart play.

"Marry the house, date the rate." The right home is worth more than chasing a perfect rate.

Questions? DM me or book a free 15-min call — I'll look at your specific situation.

—
Rates shown are national averages and do not represent a specific loan offer or commitment to lend. Actual rates vary based on credit score, loan-to-value ratio, loan amount, property type, occupancy, and other factors. May include discount points. All loans subject to credit approval.

Barrett Financial Group, L.L.C. | NMLS #181106 | FL License
Tony Fitzgerald, Loan Officer | NMLS #1284924
Equal Housing Lender

06/18/2026

The Fed just met. Rates didn't move. But something more important happened.

Yesterday, Kevin Warsh held his first FOMC meeting as the new Fed Chair. Everyone expected rates to hold — and they did. What nobody expected was the dot plot.

The last one (March) showed a rate cut coming. This one? A potential rate HIKE by year end.

And just to put a finer point on it — six of the 18 Fed members expect MORE than one hike.

Here's what that means for you right now.

Mortgage rates are not following the Fed the way people think. Since the Fed started cutting in September 2024, rates are actually HIGHER today than when they started. On a $500,000 loan, that's roughly $200+ more per month.

📊 Today's numbers (per Money.com, updated June 17):
• 30-yr fixed: 6.58% / APR 6.73%
• 30-yr FHA: 6.25% / APR 6.65%
• 30-yr VA: 6.32% / APR 6.57%

Redfin is reporting the median monthly housing payment just hit $2,647 — a one-year high. That's slowing buyers down. Pending sales are now down five weeks in a row.

But here's the thing nobody's saying: slower competition = more negotiating power for buyers who ARE ready.

If you're pre-approved and ready to move, this market is actually working in your favor in a lot of price ranges. Sellers are motivated. Multiple-offer situations are less common.

The rate environment isn't perfect. But waiting for perfect hasn't worked for three years. If the house works and the payment works, that's how you win.

DM me if you want to run the numbers on your situation. I'm happy to show you exactly what today's rates look like for your budget.

Barrett Financial Group, L.L.C. | NMLS #181106 | FL License
Tony Fitzgerald, Loan Officer | NMLS #1284924 | Equal Housing Lender
Rates shown are national averages and do not represent a specific loan offer or commitment to lend. Actual rates vary based on credit score, loan-to-value ratio, loan amount, property type, occupancy, and other factors. May include discount points. All loans subject to credit approval.

06/18/2026

📊 Mortgage Rates Are Easing — But Here's the Real Story

The 30-year fixed mortgage rate is sitting at 6.53% right now (APR 6.59%). That's actually down a little from last week.

But before you get too excited — yesterday the Federal Reserve sent a clear signal: rates aren't coming down anytime soon, and a rate HIKE is on the table by the end of 2026.

Here's what happened:
🏦 The Fed held rates steady at 3.50–3.75%
📈 Their new "dot plot" forecast? Officials now expect rates to go UP, not down, over the next 18 months
🗣️ New Fed Chair Kevin Warsh said they're done giving "forward guidance" — meaning no more hints about what's coming next

What does that mean for you as a buyer?

✅ Mortgage rates today are actually LOWER than where this inflation picture suggests they should be
✅ That gap could close — quickly — if energy prices stay high or the job market stays hot
✅ Buyers who lock in today are betting that rates won't get better soon (and the data backs that up)

💡 A quick math example:
On a $400,000 home at 6.53%, your principal + interest payment is roughly *$2,540/month*
If rates move to 7.00% (a real possibility), that same home costs *$2,661/month* — that's $120 more every single month, or $1,440/year

📍 Sarasota Update: Single-family homes are sitting at a 4.4-month supply — that's a balanced market getting tighter. Median price: $475,000, up 2.2% from last year. Homes are going under contract in about 50 days on average.

The bottom line? The window at these rates may not stay open long.

Questions? DM me or book a free 15-minute call — I'll run the real numbers for your situation, no pressure.

🏠 Tony Fitzgerald | Mortgage Jedi | NMLS #1284924

---
Barrett Financial Group, L.L.C. | NMLS #181106 | FL License | Equal Housing Lender

Rates shown are national averages and do not represent a specific loan offer or commitment to lend. Actual rates vary based on credit score, loan-to-value ratio, loan amount, property type, occupancy, and other factors. May include discount points. All loans subject to credit approval.

06/17/2026

📢 Today is a big day for your mortgage rate.

At 2:00 PM Eastern, the Fed announces its June decision. Kevin Warsh chairs his first-ever FOMC meeting — and nearly every economist on Wall Street agrees: rates stay put at 3.50–3.75%.

But here's what that actually means for you.

The Fed doesn't set mortgage rates directly. Mortgage rates follow the 10-year Treasury bond, not the Fed funds rate. So even if rates hold today (which they will), the press conference at 2:30 PM could move mortgage rates tomorrow — up or down — based on Warsh's tone and what the new "dot plot" shows about future cuts.

Right now: 30-year fixed is at 6.58% / 6.73% APR (Money.com, June 16 survey of ~8,000 lenders, 700 FICO, 20% down).

This video from earlier this month breaks down exactly what's driving today's market and where buyers stand heading into the second half of 2026:
👉 https://www.youtube.com/watch?v=xcN0uHWuLqA

The buyers winning right now? They stopped waiting for 2020 rates. They got pre-approved, knew their numbers, and moved.

If you want to know what today's Fed news means for YOUR situation — DM me. I watch this stuff every day so you don't have to.

Barrett Financial Group, L.L.C. | NMLS #181106 | FL License
Tony Fitzgerald, Loan Officer | NMLS #1284924 | Equal Housing Lender
Rates shown are national averages and do not represent a specific loan offer or commitment to lend. Actual rates vary based on credit score, LTV, loan amount, property type, and other factors. May include discount points. All loans subject to credit approval.

Fitzgerald Team 1st Response Mortgage LO NMLS #1284924

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