🏡 Rates Are a Rollercoaster… So What Should YOU Do Right Now? 🎢💰
Hey friends, Kurt Rogers here 👋 and if you’ve been watching interest rates lately, you know exactly what I mean… they go down, then back up again. It’s a ride!
Rates go down and then back up …
So the big question I get every day is:
“Should I buy now… or refinance?”
Here’s the truth 👉 I believe rates will continue to move up and down over the next 12–18 months.
Rates go down and then back up …
That means timing the market perfectly isn’t the strategy… being prepared is.
💡 Let’s Talk About What REALLY Matters
Whether you’re buying or refinancing, I always walk my clients through a few key questions:
✔️ What will my total payment be? (PITI + possible HOA)
✔️ What percentage of my income am I comfortable spending?
✔️ What’s my credit score—and can I improve it?
✔️ How much cash do I need (or want to access)?
✔️ What are my true closing costs?
Even a small bump in your credit score can save you thousands over time 💸
🏦 Not All Loans Are Created Equal
There’s no “one-size-fits-all” anymore—and that’s a good thing!
You’ve got options like:
🔹 Conventional
🔹 FHA (great for first-time buyers!)
🔹 VA (amazing benefits for our veterans 🇺🇸)
🔹 USDA (yes—zero down options!)
🔹 Non-QM (perfect for self-employed borrowers)
The right loan depends on your goals, your income, and your long-term plan.
📊 Pre-Approval Matters More Than Ever
A true pre-approval (not just a pre-qual) gives you confidence, accuracy, and negotiating power in today’s market 💪
⭐ Why Work With Me as Your Mortgage Broker?
This is where I believe I bring real value to the table 👇
✔️ More Options = Better Fit
I’m not tied to just one lender—I shop multiple lenders to find the best solution for YOU.
✔️ Customized Strategy
No cookie-cutter loans here. I take the time to understand your goals, whether it’s lowest payment, fastest payoff, or building long-term wealth.
✔️ Guidance Every Step of the Way
From credit tips to closing costs to loan structure, I help you make confident, informed decisions.
✔️ Experience That Saves You Money
A few small adjustments in structure, credit, or timing can save thousands—and I help you find those opportunities.
✔️ Long-Term Relationship
I’m not just here for one transaction—I’m here for your next refinance, your next home, and your long-term financial success.
🎯 Bottom Line
Don’t try to guess where rates are going…
👉 Focus on what works for YOU right now.
If the numbers make sense today, you can always refinance later. But the right home or opportunity? That might not wait.
🙏 I love helping families navigate these decisions—it’s never just about the rate, it’s about your financial future and peace of mind.
Let’s make a smart plan together 💬
🎙️ Be sure and tune in every Tuesday from Noon–12:30 PM on KLZ 560AM for Your Money Matters.
With gratitude,
Kurt Rogers
Managing Broker | Affordable Interest Mortgage
📞 (720) 895-0500 | 🌐 www.aimortgage.net
NMLS #217147 | IMB #2191655
Equal Opportunity Lender | Regulated by the Division of Real Estate
