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Home prices have dropped in 77 of the 300 largest U.S. metro markets compared to a year ago. The steepest declines are in Punta Gorda, Florida at 7.9%, London, Kentucky at 7.1%, Cape Coral, Florida at 6.1%, and Austin, Texas at 5.7%. National housing inventory at the end of May was just over 1.5 million units, up 3.3% from April. Falling home prices mean buyers need to borrow less with a mortgage, which reduces monthly payments and total loan costs. Rate breaks down what the housing market cooldown means for buyers and affordability: http://ms.spr.ly/6046vtloy

The Proud ERG brought all the vibes to Pride with a party filled with live entertainment, raffle giveaways from local LGBTQIA+ owned businesses, great people and even better energy. Thank you to everyone who showed up, celebrated with us and helped make it a day to remember. Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6048vsBA4. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Some foundations are presence, steadiness and belief. Before it was "the house we grew up in," it was just a house. What turned it into a home was the person at the center of it. This Father's Day, we're thinking of the quiet strength of dads who shaped who we became. Happy Father’s Day. Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6048vlL5u. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Mortgage points are upfront fees paid at closing to lower your home loan interest rate. One discount point equals 1% of your total loan amount and reduces your interest rate, resulting in lower monthly mortgage payments. Origination points are separate and cover lender underwriting costs. Buying points typically takes five to ten years to break even, so they work best for borrowers who plan to stay in their home long term. They may also be tax-deductible when you itemize deductions. Get the full breakdown from Rate: http://ms.spr.ly/6043vlLSH

The best cities to live in vary by generation based on housing affordability, career opportunities, healthcare access, and quality of life. Baby Boomers are moving to Palm Coast, Cape Coral, and Scottsdale for retirement appeal and low taxes. Gen X favors Austin, Portland, and Seattle for work-life balance and strong school districts. Millennials are choosing cities like Denver and Alexandria for remote work flexibility and outdoor access. Gen Z is prioritizing affordability in emerging markets like Minneapolis and South Boston. Rate breaks down the top cities for every generation: http://ms.spr.ly/6045v9YIf

Shake the hand of the person who helped you level up. 🤝 This business is better when you’ve got people beside you who push you, support you, and help you get better. Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit nmlsconsumeraccess.org. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

You can use crypto to qualify for a mortgage without selling it. Rate's RateFi program lets borrowers use cryptocurrency as a qualifying asset for a home purchase or mortgage refinance, as long as it is held in an approved wallet. Lenders generally accept widely recognized cryptocurrencies like Bitcoin and Ethereum, as well as USD-backed stablecoins. If using crypto toward a down payment, most lenders require a 60-day seasoning period after converting to U.S. dollars. Learn how crypto mortgage qualification works: http://ms.spr.ly/6041v9YtS

Top 100 is back. Next week, we’re celebrating the Loan Officers who continue to raise the bar, drive results, and make an impact every day. Great conversations, inspiring speakers, well-deserved recognition, and an exciting look at what’s ahead. See you at Top 100. Rate is an Equal Opportunity Employer Operating as Guaranteed Rate, Inc. in New York. Guaranteed Rate, Inc. D/B/A Rate; NMLS #2611; For licensing information visit http://ms.spr.ly/6044vgSyI. Conditions may apply.

Month after month, we have standout Loan Officers who raise the bar. Their drive, dedication and expertise have earned them a place among Rate’s best. Join us in recognizing our newest Chairman’s Club honorees, top producers who go above and beyond to make homeownership happen. Jon Lamkin Jason Harris Paul Zgalich Savvas Fetfatsidis Joel Schaub

A big congratulations to our amazing NAHREP Top 100 honorees! We're incredibly proud of all the hard work you do! Your dedication and leadership has helped more families achieve the dream of homeownership, and has made a lasting impact in our Latino communities.