Javier Valdez. RATE Mortgage NMLS 1470049

09/30/2026

Most buyers only think about saving for their down payment, but that’s only one part of the equation. Closing costs are another upfront payment you should be aware of so you could secure the keys to your new home in confidence.

Curious about what closing costs include and how to plan for them? I’m here to help. Let’s discuss more must-know tips for homebuyers.
https://myoc.io/8HjzZWbiwg/GgXdy



NMLS # 1470049

09/29/2026

09/24/2026

With Forward Commitments and DSCR, you can lock in pricing for your investor buyers and let their rental income do the qualifying. It's a faster path from contract to close, and a real edge over builders who can't offer it.

Ready to protect your pipeline? Let's connect.
https://myoc.io/8HjzZWbiwg/5HokK



NMLS # 1470049

09/18/2026

Buyers are still steadily entering contracts, even with mortgage rates higher than a year ago. Pending home sales in specific markets still show an increase with stronger buying power created by job gains and income growth.

Understanding the market is the first step. Let’s talk about how to make your next move with confidence.
https://myoc.io/8HjzZWbiwg/NliO5



NMLS # 1470049

09/17/2026

Start. Your. Engines. We’re maximizing your buying power with increased conforming loan limits available NOW.

Questions? Let’s chat.
https://myoc.io/8HjzZWbiwg

NMLS # 1470049

09/17/2026

An evening worth raising a glass to. 🥂

On September 9th, we brought Rate Palooza to Des Moines for an unforgettable night of connection, celebration, and a little bit of magic.

Hosted at the Iowa Taproom, our first event in the region brought together our valued industry and business partners for an open bar, live music, networking, and a few surprises along the way.

To everyone who joined us — thank you for making our first Des Moines Rate Palooza such a memorable evening. We’re grateful for the partnerships, conversations, and connections that made the night what it was.

And if you weren’t there? We’ll let the recap do the talking. 👀

Des Moines, this was just the beginning.
IowaTaproom DesMoinesEvents RateEvents GoodTimesGreatConnections FOMO RateVibes BetterTogether

09/17/2026

Today’s decision creates new opportunities … as long as you know how to approach the market. A rate increase isn’t necessarily a bad thing since it could lead to more inventory and less competition. With fewer homebuyers out there, motivated sellers may be more flexible at the offer table.

If you’ve been on the hunt for a new home, let’s talk about how you could use these conditions to your advantage.
https://myoc.io/8HjzZWbiwg/3hhRs



NMLS # 1470049