Aaron Sandoval

Sometimes the difference between “waiting another year” and “buying now” is simply knowing the options.

If you have buyers needing guidance, I’d love to help.

Kindred Mortgage | NMLS # 2645422
Programs subject to borrower qualification and program availability.

Mortgage Rate vs. APR — what’s the difference?
The mortgage RATE is the interest charged on the loan and helps determine the monthly payment.

The APR (Annual Percentage Rate) includes the rate PLUS many of the loan costs and fees, giving a better picture of the total cost of borrowing.

Quick example:Two lenders may both offer a 6.5% rate……but one could charge thousands more in fees.

That’s where APR helps tell the bigger story.

Simple way to think about it:Rate = monthly paymentAPR = overall loan cost

This is why comparing ONLY the rate can sometimes be misleading.

Weekly Mortgage & DFW Real Estate Update — Week Ending 5/22

Mortgage rates stayed a little unpredictable this week

Rates moved slightly higher as inflation concerns and rising Treasury yields continued putting pressure on the market.

What this means:
• Payments still moving around week to week
• Buyers staying cautious but active
• Rate volatility definitely still here

DFW Market Update:
• More homes continuing to hit the market
• Buyers have more options
• Negotiations and seller concessions still common
• Well-priced homes still moving quickly

Bottom line:
The DFW and Texas market continues shifting toward a more balanced market heading into summer. Buyers are active, but affordability and monthly payments are still driving decisions.

Mortgage rates were a little all over the place this week

Rates moved higher mid-week before calming down late week as markets reacted to inflation concerns and Fed commentary.

What this means:
• Payments still bouncing around week to week
• Buyers staying cautious but active
• Rate volatility definitely not gone yet

DFW Market Update:
• More homes continuing to hit the market
• Buyers have more options than earlier this year
• Negotiations and seller concessions still common
• Well-priced homes still moving quickly

Bottom line:
The market is continuing to balance out across DFW and Texas, but buyers are still watching rates very closely. Right now, smart pricing and strong financing strategy are making the difference.

Weekly Mortgage & DFW Real Estate Update Week Ending 5/1

Mortgage rates were a bit of a back-and-forth this week.

They improved earlier in the week, but jumped slightly late week, ending about flat to slightly higher overall.

What this means:
• Payments didn’t improve much overall
• Rate volatility still very real
• Buyers staying cautious but active

DFW Market Update:
• Inventory continues to grow
• Buyers have more options
• Negotiations and concessions common
• Well-priced homes still moving

Bottom line:
Rates are bouncing around, not trending down yet. The DFW market continues to balance out, but buyers are still watching rates closely.

Mortgage rates nudged up slightly this week after holding steady last week. Nothing major — just a little movement as the market continues to adjust.

What this means:
• Payments increased slightly
• Buyers still active but watching numbers
• Rate volatility sticking around

DFW Market Update:
• More homes hitting the market
• Buyers have more options
• Negotiations and concessions more common
• Well-priced homes still selling

Bottom line:
Rates moved up a bit, but the DFW market continues to balance out, creating more opportunities for buyers than we’ve seen in recent years.

Weekly Mortgage & DFW Real Estate Update — Week Ending 4/17

Mortgage rates were pretty quiet this week, holding steady in the mid-6% range after improving last week.

What this means:
• Payments stayed about the same
• Buyers still active but cautious
• No major rate swings this week

DFW Market Update:
• More homes hitting the market
• Buyers have more options
• Negotiations becoming more common
• Well-priced homes still selling

Bottom line:
Rates hit pause this week, and the DFW market continues to balance out, giving buyers more opportunities than we’ve seen the past few years.

Weekly Mortgage & DFW Real Estate Update Week Ending 4/10

Mortgage rates improved slightly this week after moving higher last week. The bond market helped push rates down a bit, giving buyers a little breathing room.

What this means:
• Payments improved slightly
• Buyers still cautious but active
• Rate volatility still possible

DFW Market Update:
• More homes hitting the market
• Buyers have more options
• Negotiations more common
• Well-priced homes still selling

Bottom line:
Rates improved a little this week, and the DFW market continues shifting toward balance, giving buyers more opportunity than earlier this year.

Sharing this for anyone house hunting this weekend.
Quick mortgage calculator to estimate payments, taxes, and affordability.
Helpful before writing offers.

Goalee » Kindred Mortgage LLC

Mortgage rates were a bit of a rollercoaster this week. They moved higher early on, then dipped slightly toward the end of the week as the bond market improved.

Bottom line on rates:
• Rates still elevated vs last month
• Slight improvement late week
• Volatility still in play
• War + oil prices still influencing inflation expectations

DFW & Texas Real Estate:
• Inventory continues improving across North Texas
• Buyers are still active but more payment-sensitive
• More negotiations and seller concessions
• Well-priced homes still moving quickly

Bottom line:
Rates aren’t getting worse right now, but they’re also not dropping fast. The DFW market remains steady, with buyers active and more balanced conditions heading deeper into spring.