One Minute Monday: Jobs Are Cooling, Rates Easing & Why Waiting Will Likely Cost More
Автор: The HOME Foundation
Загружено: 2026-02-09
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Hey everyone, it’s Doug Shoemaker with the Shoemaker Loan Team at Homestead Financial Mortgage — and welcome to One Minute Monday.
Each week I break down mortgage rates, housing, and the economy in a way that makes sense — whether you just want to know what time it is, or you want to understand how the clock is built.
This week we cover:
• A cooling labor market and what it means for rates
• Today’s mortgage rate snapshot from Mortgage News Daily
• A quick refinance check for homeowners
• Why waiting for “perfect rates” can actually cost more over time
📊 Current Rates (as of today):
• 30-Year Fixed: ~6.15%
• 15-Year Fixed: ~5.72%
• FHA: ~5.75%
• VA: ~5.77%
👀 Refi Check:
• Conventional 30-year at 6.875%+
• FHA / VA / USDA at 6.5%+
It may be worth a quick conversation — not a commitment.
As always, we focus on education, strategy, and helping clients never lose sleep during the process.
📞 Contact the Shoemaker Loan Team
Phone: (618) 795-0790
Email: [email protected]
Website: www.ShoemakerLoanTeam.com
🔗 Connect with me:
Facebook: facebook.com/ShoemakerLoanTeam
Instagram: instagram.com/ShoemakerLoanTeam
LinkedIn: linkedin.com/in/DougShoemaker
A portion of everything we do supports local military, law enforcement, and firefighters through The H.O.M.E. Foundation.
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