In this episode of Mosaic, we sit down with Virginia Sellars, Head of Brokerage at Key Renter Property Management—Denver. With her extensive expertise in real estate and property management, Virginia shares her inspiring journey of creating generational wealth and a lasting legacy through strategic property investments and sales in the vibrant Denver, Colorado market.
Published on 10/22/2025
The average 30-year fixed mortgage rate is hovering near 3-year lows as bond markets hold steady amid limited economic data. Learn why rates remain low and what could move them next.
Published on 10/22/2025
A new Realtor.com survey reveals that 1 in 5 Gen Z adults say housing affordability is their top life concern. Learn how young buyers are adapting, saving, and staying determined to achieve homeownership.
Published on 10/15/2025
On October 9, 2025, the average 30-year fixed mortgage rate edged slightly higher to 6.38% after a weaker 30-year Treasury auction and mild MBS underperformance. Rates remain stable within a narrow range as the government shutdown continues.
Published on 10/10/2025
September 2025 will go down in the annals of real estate as a month that kept everyone on their toes—myself included. Just when we thought the stars were aligning for smoother sailing, the market threw us a curveball (or three). If you're a homebuyer, seller, or just someone who's been eyeing that dream property, buckle up. This month's Mortgage and Real Estate Update is all about unpacking the chaos and spotting the opportunities amid the storm.
Published on 10/06/2025
On October 1, 2025, the average 30-year fixed mortgage rate held at 6.37% after weak private payroll data. Bigger shifts may follow when the delayed government jobs report is released.
Published on 10/01/2025
Affordability is finally improving this fall thanks to lower average 30-year fixed mortgage rates, slower home price growth, and rising wages. Learn why now could be the right time to buy.
Published on 09/26/2025
After touching yearly lows early in the week, the average 30-year fixed rose following the Fed’s rate cut—thanks to the dot plot and Powell’s comments. Still, mortgage applications just saw their biggest weekly jump since 2021 as homeowners reacted to earlier rate declines. Here’s what it means for buyers and homeowners.
Published on 09/19/2025
With the Federal Reserve's upcoming meeting on September 17, 2025, the big question on everyone's mind is: Will the Fed cut rates tomorrow? Conventional wisdom—and market expectations—suggests yes, with economists widely anticipating a rate cut of either 25 or 50 basis points. This could be the first cut since December 2024, potentially easing the federal funds rate from its current 4.25%-4.50% range.
Published on 09/16/2025
The average 30-year fixed is holding near the lowest levels since October 2024 after a weak jobs report and cooler inflation. Here’s why—and what to watch at next week’s Fed meeting.
Published on 09/12/2025
Mortgage rates are holding near 10-month lows—but don’t assume they’ll stay there. Learn why rates move, what drives them, and what smart buyers and homeowners should do next.
Published on 09/03/2025
The most recent S&P CoreLogic Case-Shiller Home Price Index, released on August 26, 2025, and covering data through June 2025, offers a clear snapshot of national and regional trends. From May to June, nationwide home values saw a modest 0.1% increase before seasonal adjustment. After adjusting for seasonal trends, prices slipped by 0.3%. Compared to a year ago, home values are up 1.9%, with the 20-City Index mirroring this with a 2.1% annual gain and a -0.3% monthly drop (SA). This data, reflecting a three-month average of April, May, and June closings, highlights a shift toward stabilization (see the attached chart for details).
Published on 09/02/2025
As we wrap up August 2025, the real estate markets in Colorado, Texas, and Florida are firmly tilting toward buyers, with inventory levels continuing their upward climb and providing more options than we've seen in years. This ongoing surge—national inventory up nearly 25% year-over-year in July—means homes are lingering longer, price cuts are commonplace, and negotiation power is shifting. For borrowers eyeing homeownership and agents guiding them through it, this is an opportune moment to act strategically, especially with mortgage rates stabilizing around 6.5%.
Published on 08/27/2025
After Powell's Jackson Hole speech, mortgage rates hit their lowest levels since Oct 2024. But don’t get too comfortable—more movement could be coming after Friday’s inflation data and next week's jobs report.
Published on 08/27/2025
In today's post, I want to dive into a timely economic topic that's buzzing in real estate circles: how potentially overstated inflation figures could pave the way for favorable conditions in the housing market, especially with the Federal Reserve's upcoming meeting on September 17, 2025.
Published on 08/20/2025
Mortgage rates stayed mostly flat this week, holding near 10-month lows. Here’s what happened from August 18–20 and why upcoming economic data could shake things up.
Published on 08/20/2025
Mortgage rates are holding near 10-month lows after early August’s jobs report and mixed inflation data. Here’s what homebuyers and homeowners need to know.
Published on 08/14/2025
Mortgage rates just hit their lowest levels since October 2024 following a big shift in the bond market. Here’s why it matters for homebuyers and homeowners.
Published on 08/05/2025
On July 29, 2025, the S&P CoreLogic Case-Shiller U.S. National Home Price Index released its latest data, showing a modest 0.4% increase in home values from April to May (non-seasonally adjusted), while the seasonally adjusted numbers reflect a slight 0.3% decrease. Year-over-year, home prices are up 2.3%, marking the smallest annual gain since July 2023. For real estate agents in Colorado, Texas, and Florida—where Efficient Lending, Inc. proudly originates residential mortgages—these numbers carry significant implications for your business. Let’s break down the good, the bad, and the actionable insights to help you navigate this market and better serve your clients.
Published on 07/30/2025
Confused by the housing market? You're not alone. Here's why the market feels hot and cold at the same time—and what it means for you as a homebuyer.
Published on 07/30/2025
