After several years of sharp increases and unpredictable swings, mortgage rates have finally entered a period of relative stability. While rates remain higher than the historic lows of 2020–2021, the consistency we’re seeing in recent months is creating something the market has been missing: confidence. 30-yr chart from Mortgage News Daily So what does this mean […]

-by Matt Sundermier, Broker/Owner It’s that time of year where one day feels like summer and the next winter. Last week I put away my outdoor furniture, only to want to haul it out just a few days later to enjoy the warm sunshine! And today the forecast was for over an inch of rain […]

For the second year in a row, The Blue Waters Group earned the Top Spot as the #1 Best Real Estate Team and inched up to #2 as the Best Mortgage Broker in the Folsom/El Dorado Hills region of Style Magazine’s Readers’ Choice Awards! These awards are based entirely on votes that come from community members. THANK YOU to […]

The federal government shut down began at 12:01 AM today. For the first time since 2018, US Congress has failed to pass a budget, preventing many non-essential operations from functioning. How will this impact every day Americans and, more specifically, the mortgage and real estate markets?   Federal Loan Programs – Most home loan programs involve […]

I’m sure you’ve heard the news…mortgage rates have been falling, and fast! But if you’re sitting on a high mortgage rate should you hold off on a refinance until after the upcoming Fed press conference? Many people expect The Federal Reserve to lower the federal funds rate 1/4-1/2% on September 17th. But what most people misunderstand […]

Big News! 🎉 We’ve Been Nominated—AGAIN! We’re thrilled to share that we have been nominated again as Best Mortgage Broker and Best Real Estate Team in Style Magazine’s 2025 Best of the Best Readers’ Choice Awards! You may recall we earned awards in both categories in 2024, and we are looking to repeat these high honors. As a […]

Financial Markets Are Free Falling The world’s financial markets are currently in chaos as a global tariff trade war escalates. For the first time ever, the Dow Jones stock market dropped more than 1500 points two days in a row. The S&P 500 stock market is down more than 20% in recent weeks, a textbook […]

We are very excited to pass along a big announcement from two of our biggest competitors. Why?!? Let us explain. Earlier this week, Rocket Mortgage, one of the largest mortgage companies in the country, spent nearly $2 BILLION to acquire Redfin, one of the biggest names in real estate. You may recall that Re/Max (the largest […]

We routinely provide an annual forecast of the mortgage and real estate markets. Generally, we speak to three main characteristics: housing supply, buyer demand, and interest rates. This year, it’s all about the rates. If 30-yr mortgage rates remain at 7% or higher, housing supply and buyer demand will remain anemic. If they fall below […]

How will the real estate market change post-election? It’s been 2 weeks since the presidential election, and things are coming into focus. Cabinet appointments, Republican Congressional control, and local election results have led to an abundance of prognosticators & instigators proclaiming with near-certainty how everything from our global alliances to our drinking water will change. […]