Navigating Uncertainty: Tariffs, Recession Fears, and What It Means for Your Mortgage
Hi, I’m Kurt Rogers, Managing Broker at Affordable Interest Mortgage, and if you’ve been watching the news lately, I know there’s a lot to unpack—tariffs, talk of a recession, rising bond yields, and shifting housing dynamics. I want to take a few minutes to give you the facts, cut through the panic, and explain what all this really means if you’re considering buying a new home, refinancing, or even exploring a reverse mortgage.
Tariffs and Rates: What’s Really Happening?
Yes, tariffs are creating some market imbalance, and there’s understandable concern about their long-term impact. Bonds are moving, and that can influence mortgage rates. But here’s the good news—uncertainty doesn’t have to equal inaction. Mortgage rates often respond favorably in uncertain times, creating opportunity for homebuyers and refinancers.
Are We Headed Into a Recession?
Maybe… maybe not. A recession is officially defined by the National Bureau of Economic Research (NBER) as two consecutive quarters of negative GDP, along with rising unemployment, declining consumer spending, and scaled-back business investment. While unemployment and spending have softened slightly, we’re not there yet—and even if we were, history shows that recessions often lead to lower interest rates as the Fed works to stimulate the economy.
What About Home Values?
Here’s another fact: home values tend to remain steady during economic slowdowns and often increase by 5–8% once the economy rebounds. While the market might be more negotiable now, long-term appreciation remains a strong possibility.
Buying a Home Now: A Smart Move?
Absolutely. Rates are easing, competition has cooled, and prices are steady. That means more room for negotiation, fewer bidding wars, and a smoother path to homeownership. Getting pre-approved now puts you in a powerful position—and I can help you understand your rate, cost, payments, term, and the best loan for your goals.
We’ll cover everything from:
- How to get the lowest rate and cost
- What pre-qualification and pre-approval really mean
- How to close efficiently
- Whether to pay points
- How to structure the right term or even recast your loan
Thinking About Refinancing?
Now might be the perfect time. Whether you want to consolidate debt, improve your home, lower your payment, or tap into your equity, I’ll help you weigh your options. Even if you’ve got a low rate now, shifting other high-interest debts into a single, tax-advantaged mortgage can be a game-changer.
Some refinance scenarios I walk clients through include:
- Lowering monthly payments
- Funding upgrades with a limited rehab loan
- Getting cash out for travel or investment opportunities
- Eliminating mortgage insurance
- Changing terms for faster payoff
- Accessing equity without immediate payments through asset-based loans
Loan Programs to Fit Every Life Stage
No two borrowers are the same, which is why I work with 38 lenders and offer everything from conventional and government-backed loans (FHA, VA, USDA) to unique programs like:
- Self-employed & bank statement loans
- Bridge and rehab loans
- DSCR and investor loans
- Reverse mortgages for homeowners 55+
- Asset depletion and non-occupying co-borrowers
FHA offers low down payments and flexible credit. VA loans are unbeatable for our veterans. USDA offers 0% down in rural areas. And our reverse mortgage program—available at just 55 years old—lets you unlock equity without impacting your first mortgage.
Let’s Talk About Your Strategy
You don’t need to navigate this market alone. Whether you’re buying, refinancing, or just looking for honest answers, I’m here to help you make confident, informed decisions. The market may be shifting—but with the right advocate and the right information, it could work in your favor.
Let’s talk.
—Kurt Rogers, Managing Broker
Affordable Interest Mortgage
📲 Call me at (720) 895-0500 or visit my website at www.AIMortgage.net
Affordable Interest Mortgage – Powered by IMB #2191655. NMLS 217147. Equal Opportunity Lender. Regulated by Division of Real Estate. MLO #100020228.
Be sure to tune in every Tuesday at Noon – 1PM on 560AM KLZ for The Your Money Matters Radio Show.
I am proud to be the exclusive Mortgage Broker for The Haystack Help Radio Home Team!
OUR EXPERIENCE CAN SAVE YOU MONEY!
- AIM’S recent Growth & Expansion expands to 16 states and offers 38 Lenders with the most amazing loan programs! Affordable Interest Mortgage can help you in these 16 states: Colorado, Arizona, Wyoming, Kansas, Texas, Illinois, California, Indiana, Tennessee, Missouri, Florida, Ohio, New Mexico, Kentucky, North Dakota, and Oklahoma.
- We have expanded from 11 Lenders to 38 Lenders to offer a multitude of loan programs. In many cases, even better rates, faster service, more amazing First Time Home Buyer Loans, Fix & Flip Loans, Renovation Loans for First Time Home Buyers and Investors – all these options are worth exploring!
- We’re now also offering Land Loans and Commercial Loans with 5 units or more. There’s so many incredible opportunities available. I’d love to explore them with you!
