Matthew Rupert, NMLS #2728296

Matthew Rupert, NMLS #2728296 I’m committed to delivering a smooth, secure, and professional homebuying experience from start to finish. NMLS #2728296 | NFM NMLS #2893 | Equal Housing Lender

Consider this your fall home mood board 🍁
09/24/2026

Consider this your fall home mood board 🍁

Happy First Day of Fall! 🍁
09/22/2026

Happy First Day of Fall! 🍁

09/21/2026

The Fed raised rates last week. By Friday, mortgage rates were roughly back where they started before the announcement. Here’s how that played out:

On September 16, the Federal Reserve raised its benchmark rate by a quarter point, citing persistent inflation. Markets largely expected that move.

The bigger reaction came during the press conference, when comments about potential additional hikes sent bond prices lower and yields higher, pushing mortgage rates up.

But that initial reaction didn’t stick.

According to Mortgage News Daily’s Thursday recap, its average top-tier 30-year fixed rate fell from 7.24% Wednesday to 7.19% Thursday as bonds recovered.

By Friday, that average edged up to 7.20%. MND reported that mortgage rates finished essentially in line with Wednesday morning’s levels before the Fed announcement, even though bonds gave back some gains.

As of Monday morning, MND’s market update showed bonds starting stronger as oil prices continued falling. That’s encouraging for mortgage pricing, but an early trading improvement doesn’t guarantee lower rates throughout the day.

The takeaway for buyers: mortgage rates respond to the bond market’s changing outlook for inflation and the economy. They don’t automatically follow the Fed’s benchmark rate.

If you’re shopping for a home, let’s revisit your numbers so you know what today’s market means for your payment and cash needed to close.



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*Rates effective 9/21/2026. Rates quoted are estimates and based on a qualifying credit score. Loan-to-Value’s (LTV) of 95% for Conventional Loans, 100% for VA Loans, and 96.5% for FHA Loans. This payment does not include taxes and homeowner’s insurance and is an estimate; your actual payment will be higher. An annual and monthly mortgage insurance premium may be required and will vary depending on the loan characterization. Payments and rates may vary based on borrower’s credit score, actual closing costs and other variables. Depending on your situation, flood, property hazard, and mortgage insurance may be needed, which could increase the monthly payment and Annual Percentage Rate (APR).

A stable income can look different for everyone. All it takes is a conversation with your local lender to determine what...
09/17/2026

A stable income can look different for everyone. All it takes is a conversation with your local lender to determine what mortgage plan works best for your kind of income!

09/14/2026

A homebuying conversation doesn’t have to start with an application. Sometimes it starts with, “I’m thinking about buying, but I have no idea where to begin.”

That’s plenty to start with.

You don’t need to have a house picked out, a firm timeline, or every financial detail figured out before reaching out. Part of my job is helping you understand what goes into buying a home so you can make informed decisions.

An initial conversation can cover:

• Your timeline: Are you hoping to buy soon, working around a lease renewal, or planning for next year? That helps us identify what deserves attention first.

• Your comfortable monthly payment: What amount would fit your life while leaving room for savings, everyday expenses, and the things you enjoy?

• Your savings and upfront costs: We can discuss how down payment, closing costs, and money set aside after closing fit into your plan.

• Your questions: Maybe you’re wondering how credit affects your options, whether a recent job change matters, or what the preapproval process involves.

You don’t have to know which questions to ask, either. We can work through those together.

The goal of that first conversation is to help you understand where you stand, what needs a closer look, and what steps could help you prepare. When you’re ready to move forward, you’ll have a clearer idea of what comes next.

Thinking about buying, even if it’s still a ways off? Send me a message with what you’re considering. We can start there.

09/10/2026

Yesterday, I shared what to watch for in today’s PPI report. Now we have the numbers.

According to the Bureau of Labor Statistics, producer prices rose 0.4% in August, matching the forecast listed by Investing.com. Prices were 5.4% higher than a year earlier, and July’s previously flat reading was revised to a 0.1% increase.

Energy was a major driver, with prices rising 4.2%. Services increased a more modest 0.1%.

What does this mean for mortgage rates?

The headline matched expectations, but it didn’t provide much relief from inflation concerns. Persistent inflation can push investors to demand higher bond yields, which can put upward pressure on mortgage rates.

Barron’s reported that the 10-year Treasury yield reached approximately 4.93% during today’s trading, citing rising oil prices and the PPI report. That reflects a broader inflation concern, not a reaction to this report alone.

For buyers and homeowners, changes like this can show up as higher rates, higher points, or smaller lender credits. The impact varies by loan and lender.

My takeaway: this report gives us little reason to expect immediate rate relief. If you’re approaching closing, it’s worth reviewing your current pricing and lock timeline rather than assuming the next report will bring better terms.

Helping spread the word about Renee Conrad’s new listing with Honorable Service Realty Group in Montclair, which hit the...
09/09/2026

Helping spread the word about Renee Conrad’s new listing with Honorable Service Realty Group in Montclair, which hit the market today!

📍 4204 Avon Dr, Dumfries, VA
$665,000 | 5 bedrooms | 3.5 baths | 2,766 sq ft

There are three chances this week to stop by for an open house:

Tonight: 5–7 PM
Saturday, September 12: 1–3 PM
Sunday, September 13: 2–4 PM

I’ll personally be there Sunday and available to answer any financing questions. Come take a look and say hello!

09/09/2026

Tomorrow’s inflation report could influence where mortgage rates go next.

According to the Bureau of Labor Statistics, the August Producer Price Index (PPI) will be released Thursday, September 10, at 8:30 a.m. ET. PPI measures changes in the prices domestic producers receive for goods and services, giving us another look at inflation pressures.

Investing.com’s economic calendar currently lists a forecast of a 0.4% monthly increase, following July’s flat reading. The key will be how the actual numbers compare with what markets already expect.

Here’s what that could mean for mortgage rates:

• Cooler than expected: Could ease inflation concerns and support lower rates.

• Hotter than expected: Could put upward pressure on rates.

• Close to expectations: May produce a smaller reaction, with the underlying details taking on more importance.

Mortgage rates respond to the bond market, so one report doesn’t guarantee a move in either direction. I’ll be watching whether price pressures are concentrated in a few categories or spread more broadly, along with how mortgage bonds react.

I’ll post an update after the data comes out, breaking down what we learned and how mortgage rates are responding.

09/07/2026

Ever wonder what's really happening in the housing market? This week's mortgage application data offers a clear signal: buyers are back.

National purchase applications jumped 1.0% from last week, an impressive 17.1% higher than this time last year. This isn't just a number; it's a direct measure of how many people are actively applying for home loans.

What does this mean for YOU?

If you're a buyer, don't underestimate the competition. Even with tight affordability, serious players are making moves. This market demands decisiveness.

For real estate agents, consider this your call to action. Strong demand persists, especially for homes that are priced competitively and presented impeccably. The opportunities are there for those ready to seize them.

Let's discuss how this trend impacts your strategy. Reach out for a personalized market insights.

Your home, but better! Making even small upgrades can increase your home's value when it comes time to sell. ✨If you had...
09/04/2026

Your home, but better! Making even small upgrades can increase your home's value when it comes time to sell. ✨

If you had to pick ONE upgrade to do TODAY, which would it be? 🛠️

Address

6635 Electric Avenue
Warrenton, VA
20187

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