Christina Dominguez - The Texas Loan Team

Christina Dominguez - The Texas Loan Team Christina Dominguez,
The Texas Loan Team
Nexa Mortgage LLC.

Equal Housing Lender
RMLO | NMLS # 1805287
Corporate NMLS # 1660690
NMLS Consumer Access: https://nmlsconsumeraccess.org/TuringTestPage.aspx?ReturnUrl=/EntityDetails.aspx/COMPANY/1660690 510 Austin Ave #25208
Waco, Tx 76701
Branch NMLS: #180257
Licensed : TX
Equal Housing Opportunity
https://www.nmlsconsumeraccess.org/
Texas Consumer Complaint: www.sml.texas.gov

06/26/2026

📉 **Mortgage Market Update**

It's been a good week for mortgage rates! While today's pricing is showing signs of leveling off, we're still seeing some of the best rate pricing we've had in about a month.

The market appears to be taking a breather after several days of improvement. That's not a bad thing—it simply means rates may be settling into a more stable range for now.

Here's what we're watching next:

📊 Next week's jobs reports could have the biggest impact on mortgage rates.

📈 Stronger-than-expected employment data could put upward pressure on rates.

📉 Weaker labor data could create an opportunity for rates to improve further.

If you're under contract and closing soon, now is a great time to have a conversation with your lender about locking your rate. This week's improvements have created an opportunity that may not last if next week's economic reports change the market's direction.

**Bottom line:** Mortgage rates are still in a much better position than they were just a week ago. While there's always a chance rates improve a little more, we've reached a point where protecting today's pricing may be the smarter move for many buyers.

Have questions about today's rates or wondering what they mean for your monthly payment? I'd be happy to help!

06/25/2026

📉 Mortgage Rate Update: Some of the Best Pricing We've Seen in Weeks!

Today's mortgage pricing improved again, and many lenders are now offering some of the best pricing we've seen in the past month.

For some borrowers, rates may be as much as 0.125% lower than they were just a few days ago. While that may not sound like much, it can make a noticeable difference in your monthly payment and long-term interest costs.

What's interesting is that this improvement came despite stronger-than-expected economic data and inflation numbers that would normally put pressure on rates. Instead, the bond market continued to improve, likely benefiting from easing concerns over oil prices and stability returning to global markets.

What does this mean?

✅ Rates are better than they were last week

✅ Buyers have a little more breathing room

✅ We're seeing the strongest pricing in about a month

⚠️ But we're still not back to the best levels we saw earlier this spring

The big question now is whether these improvements can hold. If they do, there may be a little more room for rates to improve. If not, we could see some of these gains disappear just as quickly.

Bottom line: This is welcome news for homebuyers and homeowners considering a refinance. If you've been waiting for a better opportunity, this may be the opening you've been looking for.

Have questions about your buying power or what today's rates mean for your situation? Send me a message!

06/24/2026

📉 Mortgage Market Update

Good news this morning! Mortgage pricing improved noticeably today, giving buyers a little breathing room.

While rates themselves haven't moved dramatically lower, lenders are offering better pricing than we've seen in recent days.

What's driving the improvement?

Honestly, there isn't one clear headline. Lower oil prices, easing concerns overseas, and improving bond market performance all appear to be helping. Sometimes the market simply takes a step in the right direction without a single obvious reason.

Before everyone starts planning a mortgage-rate victory parade, keep in mind:

📊 Important inflation and economic reports are due tomorrow.
📈 Jobs data arrives next week.
🔒 If you're under contract and have been waiting for a better opportunity to lock, today may be worth considering.

The overall picture hasn't changed much. Mortgage rates are still moving within the same range we've been seeing for the past several weeks, but today we're sitting on the better side of that range.

Bottom line: Today is a welcome improvement, but don't assume rates will continue falling from here. Enjoy the better pricing while keeping an eye on upcoming economic reports that could quickly change the market's direction.

Questions about today's rates, your buying power, or whether it makes sense to lock your loan? Send me a message!

🏡 Approved for $400,000? That doesn't mean every $400,000 house will work.Take these two homes:🏠 House A• Taxes: $3,000/...
06/23/2026

🏡 Approved for $400,000? That doesn't mean every $400,000 house will work.

Take these two homes:

🏠 House A
• Taxes: $3,000/year
• Insurance: $2,000/year
• HOA: $0

🏠 House B
• Taxes: $5,000/year
• Insurance: $3,000/year
• HOA: $300/month

Same purchase price. Very different monthly payment.

This is why your lender and Realtor should be working together before you make an offer. The purchase price gets the attention, but the payment gets the approval.

A home that's perfect on paper can quickly become unaffordable once taxes, insurance, and HOA fees are factored in.

Know the payment before you write the offer. It can save you time, stress, and disappointment.

06/23/2026

📈 Mortgage Market Update

Today's mortgage rates are holding fairly steady, with some lenders showing slight improvements this morning.

After a rocky start to the week, the bond market has settled into a relatively calm pattern, which is helping keep mortgage rates in a narrow range.

What we're watching this week:

📊 Inflation data releases later this week
📈 Final GDP numbers for the first quarter
🏡 Consumer sentiment reports

At the moment, none of these reports are expected to create major swings in mortgage rates, which means we're likely to see rates stay close to current levels for the near future.

For buyers and homeowners, the message remains the same:

✅ Rates are relatively stable
✅ Significant improvements aren't expected right away
✅ Significant increases don't appear likely either
✅ If you're under contract, now may be a good time to discuss locking your rate

The 10-Year Treasury is currently around 4.48%, and mortgage-backed securities are showing modest gains this morning.

Bottom line: Mortgage rates appear to be settling into a holding pattern. While we'd all love to see rates drop significantly, the market is signaling that we're likely to stay near current levels for the next several weeks.

Have questions about buying, refinancing, or what today's rates mean for your payment? Send me a message!

06/22/2026

📊 Mortgage Rate Update

Mortgage rates are facing a little pressure this week as concerns about inflation continue to outweigh some of the positive news coming from overseas.

While tensions in the Middle East have eased and shipping routes have reopened, the bond market is paying more attention to inflation and the possibility that the Federal Reserve could raise rates again later this summer.

What does that mean for homebuyers?

🏠 Rates are still moving within a fairly narrow range.

📈 Significant rate improvements aren't expected this week.

🔒 If you're under contract or planning to close soon, it may be worth discussing a rate lock with your lender.

📉 If you're shopping for a home, don't let rate headlines scare you away. Even small rate improvements can create refinancing opportunities down the road.

The 10-Year Treasury has moved back up to 4.50%, which is putting some upward pressure on mortgage rates.

Bottom line: Rates aren't skyrocketing, but the market has become less optimistic about meaningful improvements in the near future. If you're planning to buy, now is a good time to focus on finding the right home and making sure you're prepared when the opportunity comes along.

Questions about today's rates or buying power? Send me a message.

06/18/2026

📈 Mortgage Market Update - June 18, 2026

Markets are closed tomorrow for Juneteenth, so there will be no market update, text alerts, or LIVE commentary.

Yesterday's Fed meeting put pressure on mortgage rates after the Fed signaled it remains focused on fighting inflation. While many expected a softer tone, the message was clear: inflation remains the priority.

The good news? Mortgage bonds have recovered more than half of yesterday's losses this morning, helping offset some of the damage from the Fed announcement.

Current outlook:

✅ Rates are still expected to remain relatively stable

✅ Some improvement is possible over the coming weeks

✅ No major rate drops are expected in the near term

✅ Little concern that rates move significantly higher right now

The 10-Year Treasury is back down to approximately 4.43% after reaching 4.49% yesterday, which is helping support today's recovery.

Bottom line: Mortgage rates remain stuck in a fairly tight range. While we may see slight improvements ahead, don't expect dramatic changes over the next few weeks.

06/17/2026

📅 June 17, 2026 Mortgage Market Update

Today is Fed Day. 🎯

If you've ever watched a sporting event where everyone spends three hours talking about one play that's going to happen at the very end, welcome to the mortgage market today. 😅

Yesterday was another positive day for mortgage rates. Bonds improved throughout the afternoon, and many lenders actually issued better pricing during the day.

The driving forces?

📉 Lower oil prices

📈 A strong stock market

✅ Continued optimism about the economic outlook

This morning, rate sheets are starting out slightly better than yesterday's, but don't get too attached to those numbers just yet.

The real action starts this afternoon when the Federal Reserve wraps up its meeting.

What should borrowers know?

🏠 The Fed is not expected to change its benchmark rate today.

👀 The bigger question is what new Fed Chair Kevin Warsh says about the future.

Investors will be watching every word, looking for clues about whether rates could stay steady, move higher, or potentially see cuts later this year.

Translation: Mortgage professionals across the country will be pretending to work while actually refreshing market screens every 30 seconds. 😂

Current outlook:

✅ Next 15 Days: Cautiously float, but be prepared to lock if today's Fed meeting changes the outlook.

✅ 15-30 Days: Still leaning toward gradual improvement.

✅ 30+ Days: The outlook remains favorable, with the potential for rates to improve further as we move deeper into the summer.

Bottom line:

Today's mortgage market update is basically, "Everything looks pretty good... but let's see what the Fed says."

We'll know a lot more after the Fed announcement and press conference this afternoon.

Source & Credit: Hammer @ RateSensei.com

06/16/2026

📅 June 16, 2026 Mortgage Market Update

The mortgage market is giving us something we haven't seen much of lately... a little consistency. 🎉

Yesterday, bonds stayed in positive territory throughout the day, helping support mortgage pricing. They gave back a little ground during the afternoon, but not enough to cause any lender reprices. In mortgage market terms, that's what we call a peaceful day. 😅

This morning, rates continue to show modest improvement.

🏠 Rate sheets should be slightly better than yesterday's.

📉 Mortgage bonds are still moving in the right direction.

✅ Reprice risk today appears low.

The biggest story now isn't the Middle East. With that situation appearing more stable, the market's attention has shifted to this week's Federal Reserve meeting.

The meeting begins today, but tomorrow is when things get interesting.

All eyes will be on the Fed's policy announcement and the first press conference from new Fed Chair Kevin Warsh. Markets will be listening carefully for clues about where interest rates may be headed later this year.

What does that mean for mortgage rates?

Right now, many investors believe the Fed could still raise rates before year-end. If Chair Warsh signals a more borrower-friendly approach and leaves the door open for rate cuts instead, mortgage rates could continue to improve.

Nobody is expecting a massive rate drop overnight, but even small improvements add up when you're financing a home.

Current outlook:

✅ Next 15 Days: Cautiously float while keeping a close eye on the Fed.

✅ 15-30 Days: Conditions still support gradual improvement if inflation stays under control and global tensions remain calm.

✅ 30+ Days: The outlook continues to lean positive, although there are still plenty of unknowns ahead.

Bottom line:

The mortgage market feels a little like waiting for the season finale of your favorite show. Nothing major is happening today, but everyone is sitting on the couch waiting to see what tomorrow's Fed meeting reveals. 🍿

We'll know a lot more this time tomorrow.

Source & Credit: Hammer @ RateSensei.com

06/15/2026

📅 June 15, 2026 Mortgage Market Update

It's Monday, and for a change, the mortgage market didn't show up choosing chaos. 😎

Friday ended up being a bit of a wash. Bonds started weaker, recovered throughout the day, and ultimately finished about where they started. A few lenders improved pricing, but nothing dramatic.

This morning is a different story.

📉 Oil prices have continued to fall.

📈 Bonds are improving.

🏠 Mortgage pricing is looking better than it did on Friday and could be some of the best pricing we've seen since early May.

The big reason?

The peace agreement between the U.S. and Iran appears to be moving forward, with formal signing expected later this week. Markets are cautiously optimistic that shipping through the Strait of Hormuz will return to normal, helping keep energy prices in check and easing inflation concerns.

What does that mean for homebuyers?

It means rates are moving in the right direction.

Now before everyone starts planning a mortgage-rate victory parade, let's remember that markets have a funny way of changing their minds. But for now, this is encouraging news.

👀 The next big event to watch is this week's Federal Reserve meeting.

This will be the first meeting under new Fed Chair Kevin Warsh, and markets will be paying very close attention to what he says about inflation, the economy, and future rate policy.

Current outlook:

✅ Next 15 Days: Cautiously float.

As long as the peace agreement stays on track and the Fed doesn't surprise the market, rates could continue to improve.

✅ 15-30 Days: Looking more favorable.

Some analysts believe mortgage rates could be about 0.25% lower by mid-July if current trends continue.

✅ 30+ Days: Float.

The outlook remains positive, but there are still plenty of moving pieces that could affect rates.

Bottom line:

After spending what felt like months watching rates play a game of "one step forward, two steps back," we're finally seeing some momentum in the right direction. Let's hope the market doesn't decide to pull a Texas weather forecast and completely change its mind by tomorrow. 😂

Source & Credit: Hammer @ RateSensei.com

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510 Austin Avenue #25208
Waco, TX
76701

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