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Wednesday, September 16, 2026 |
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A Note From Daniel Patrick Nacarato
Need Fast Access to Home Equity? I Can Help in as Little as 24 Hours
Product Highlights:
Up to 89.99% CLTV.
620 minimum FICO.
Up to 55% DTI.
No appraisal – fully automated AVM.
Soft credit pull until loan acceptance.
1st and 2nd Lien Options.
2nd lien rates as low as 6.00%.
Up to $400,000 available in as little as 24 hours.
Whether it's for home improvements, debt consolidation, investment opportunities, or unexpected expenses, this program makes accessing home equity easier than ever.
Know someone who could benefit? Reach out today or share this with a friend, family member, or client who may be looking for a fast, flexible financing solution.
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Mortgage Market Update
State AGs urged to probe Zillow, pocket listings, referral fees
Welcome to your mortgage market update from Daniel Patrick Nacarato for Wednesday, September 16, 2026. This week we've rounded up the latest news from HousingWire and Mortgage News Daily so you have everything you need in one place. Read on for the stories that matter most to homebuyers and homeowners right now.
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National Mortgage Rates · September 10, 2026
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Conventional 30-Year
6.63%
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Source: Freddie Mac PMMS & Optimal Blue via FRED
Rates shown are national averages and are provided for informational purposes only. Actual rates vary based on credit profile, loan amount, and market conditions. Please contact us for a personalized rate quote.
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Rate Watch
What This Week's Rate Movement Means for Your Payment
Mortgage rates move a little almost every week, and small shifts add up to real dollars on your monthly payment. On a typical loan, even a quarter-point change can mean $50 or more a month — money that's better in your pocket. The good news: you don't have to time the market perfectly. What matters most is being ready, with your credit in good shape and your documents handy, so when a window opens we can move quickly. If you bought or refinanced in the last couple of years, it's worth a five-minute check to see whether today's rates could lower your payment. There's no obligation and no cost to run the numbers — just clarity on where you stand.
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Tip of the Week
Gift funds from family can be used toward a down payment on most loan types — your lender will need a simple gift letter.
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Tips for Homeowners
VA Loans: Benefits Every Veteran Should Know
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VA loans require no down payment and no private mortgage insurance (PMI), making them one of the most powerful home-buying tools available to eligible veterans, active-duty service members, and surviving spouses.
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VA loans do require a funding fee (typically 1.25%–3.3% of the loan amount), which can be rolled into the loan. Veterans with a service-connected disability rating may be exempt from this fee.
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There's no VA loan limit for eligible borrowers with full entitlement — you can finance as much as a lender will approve. If you've had a prior VA loan, partial entitlement rules may apply.
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Letter to NAAG cites the Zillow-Redfin settlement, pocket listings, and “Contact Agent” routing as key targets
| Key takeaway: Letter to NAAG cites the Zillow-Redfin settlement, pocket listings, and “Contact Agent” routing as key targets |
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Existing-home sales slipped in August, falling below the 4 million annualized pace for the first time since June 2025, while a sharp increase in inventory gave buyers more options and pushed the supply of homes to its highest level in more than a decade. The National Association of REALTORS® reported a 2.0% decline in sales from July to a seasonally adjusted annual rate of 3.98 million , while sal
| Key takeaway: Existing-home sales slipped in August, falling below the 4 million annualized pace for the first time since June 2025, while a sharp increase in inventory gave buyers more options and pushed the supply of homes to its highest level in more than a decade. |
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The Fort Worth builder rebuilt ERP, data, and floor plan workflows before moving into AI use cases
| Key takeaway: The Fort Worth builder rebuilt ERP, data, and floor plan workflows before moving into AI use cases |
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The new home market struggled to maintain the momentum seen in June, with sales falling sharply in July and inventory moving higher. The latest Census Bureau and HUD figures point to another month of uneven activity for builders, as buyers continue to contend with affordability constraints and elevated mortgage rates. Sales of new single-family homes fell to a seasonally adjusted annual rate of 60
| Key takeaway: The new home market struggled to maintain the momentum seen in June, with sales falling sharply in July and inventory moving higher. |
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Have questions about how any of this affects your mortgage or home purchase? We're here to help — reach out to the Daniel Patrick Nacarato team any time and we'll walk you through your options.
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2701 East Insight Way, Suite 150, Chandler, AZ 85286
Cell 602-882-0678 - NMLS 247584
Barrett Financial Group, LLC · Unsubscribe
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