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Your E5 rate update for October 15, 2026.
📈 Rates finally caught a breath. The 30-year fixed held flat at 7.40% this week — the first week without an increase in over a month.
💸 Inflation jumped to 3.7% year-over-year, core at 2.6%. Gas prices alone drove over half the monthly increase.
🏛️ All eyes are on the Fed meeting October 27th and 28th. CME futures put just a 26% chance on a hike that meeting, but 92% odds of one by December.

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Dear Renter,
You’re already paying a mortgage.
Just not your own.
— Your New Loan Officer

#MondayMotivation

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“Real estate cannot be lost or stolen, nor can it be carried away. Purchased with common sense, paid for in full, and managed with reasonable care, it is about the safest investment in the world.”
- Franklin D. Roosevelt

#MondayMotivation

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It’s been a hard 5 months, and because you know your air is still running. Reasons to change those air filters this weekend.

#E5HomeLoans #homeownertips

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“You don’t have to see the whole staircase, just take the first step.”
– Martin Luther King, Jr.

#MondayMotivation

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“Change before you have to.”

– Jack Welch

#MondayMotivation

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“Always keep a bit of optimism inside you, no matter how much the world tells you otherwise.”
- Lee Alexander McQueen

#MondayMotivation

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“I choose a lazy person to do a hard job. Because a lazy person will find an easy way to do it.”
— Bill Gates

#MondayMotivation
#E5HomeLoans

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“You are only young once, but you can stay immature indefinitely.”
– Ogden Nash

#MondayMotivation
#happybirthday🎂🎁🎉

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This is your E5 Rate Update

📉 Rates are flat (slighty up) week-to-week.

🌍 Lots of economics are pushing and pulling...Oil, AI, Treasury policy...

🏦 The bond market is slightly elevated. The national deficit topped $40 Trillion 🤯

🤷‍♀️ It is what it is. Not sure much will push it one way or another anytime soon

✅ Might was well buy a house. Just be smart and shop products & rates.

⭐️⭐️⭐️⭐️⭐️ ...and always demand 5-Star Service.

📞 Call me to get prequalified
Casey Charpio · NMLS #1309924
#E5HomeLoans

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“I’m not procrastinating.
I’m marinating ideas”
— Unknown

#MondayMotivation
#E5HomeLoans

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This is your E5 Rate Update

📉 Rates dropped AGAIN this week. Yes, again. Two weeks in a row.
It’s not exactly a rate freefall. It’s not a streak. But it IS two consecutive weeks of improvement, and I’m choosing to celebrate. 🎉

🌍 Sure, we’re still at war with Iran, ugh...I wish I had an EV. ⚡️

🏦 And the bond market doesn’t love that AI Spending is worse than retail therapy after bottomless mimosas.

🥂 But, let’s pour a glass for the 20 basis points improvement.

📞 Now call your realtor, get out there and buy a house!”

✅ After you get prequalified with me, of course.

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