Author: Bruce Edgell

Bruce Edgell is a licensed mortgage loan officer with over 15 years of experience helping clients nationwide achieve their homeownership goals. His value proposition is straightforward: he specializes in turning complex situations into successful closings. He has handled virtually every type of mortgage scenario imaginable, but his true expertise lies in challenging credit histories—from past setbacks and credit hurdles to unique income or property situations that others might turn away. Bruce makes it a point to explore every lender option in the market and advocates tirelessly to secure the best terms possible, whether clients are buying their first home, refinancing to save money, or navigating something non-traditional. When the situation feels difficult or unconventional, Bruce is your guy.

AM Rally Completely Erased By The Close: What Today’s Bond Market Whiplash Means For Your Mortgage

If you have been watching mortgage rates and wondering why they seem to move in unpredictable ways, today was a perfect example of the kind of volatility that keeps borrowers on their toes. What started as a promising morning rally in the bond market completely reversed course by the close, leaving rates essentially unchanged or […]

Lawsuit Fallout Could Shrink California CEQA Barriers to Housing: What It Means for Homebuyers

After 15 years in the mortgage industry, I have seen plenty of policy shifts come and go. But when something has the potential to actually move the needle on California housing supply, I pay attention. And right now, there are some significant developments around CEQA reform that every prospective homebuyer in the Golden State should […]

Trump Threatens Trade Halt Over Fed Rate Decisions: What This Means for Mortgage Borrowers

In over 15 years of helping clients navigate the mortgage landscape, I have seen plenty of political noise around interest rates. But the recent headlines caught my attention, and I know they are catching yours too. President Trump has publicly urged the Federal Reserve to cut interest rates, going so far as to threaten trade […]

Mortgage Rates Hold Fairly Steady: What Refinance Borrowers Need to Know Right Now

After over 15 years in the mortgage industry, I have learned to read the tea leaves when it comes to rate movements. Thursday brought us another day of relatively flat mortgage rates, but if you are thinking about refinancing, there are some important nuances you need to understand before making your next move. Let me […]

Massachusetts Housing Bills Focus on Supply, Not Rent Caps: What Homebuyers Need to Know

If you have been watching the Massachusetts housing market, you know things have been intense. Affordability is a real struggle for buyers across the state, and lawmakers have been scrambling to find solutions. Recently, a court ruling sidelined a statewide rent stabilization ballot measure that many thought would reshape the rental landscape. But here is […]

Boring Day But At Least Bonds Turned Green: What Tuesday’s Market Shift Means for Mortgage Shoppers

Some days in the mortgage and bond markets are packed with drama. News breaks, rates swing wildly, and everyone scrambles to make sense of it all. Tuesday was not one of those days. Honestly, it was about as exciting as watching paint dry. But here is the thing: even on boring days, there are signals […]

Issuance and Oil Strike Back: What Today’s Market Shifts Mean for Your Mortgage Strategy

If you have been watching mortgage rates lately, you know the ride has been anything but smooth. Today’s market action is a perfect example of why timing and strategy matter so much when you are navigating a home purchase or refinance. Let me break down what happened and, more importantly, what it means for you. […]

Not Quite The Rally You’d Expect, But a Rally Nonetheless: What Today’s Jobs Report Means for Mortgage Rates

If you looked at the headlines this morning and expected mortgage rates to plummet, you are not alone. The July payroll numbers came in at negative 23,000 jobs versus the 80,000 that economists had forecast. In almost any other economic environment, that kind of miss would have sent bond markets soaring and mortgage rates tumbling. […]

Much Stronger Start After Negative NFP Print, But Here’s What Mortgage Shoppers Need to Know

Let me cut straight to it: this morning’s jobs report came in negative, and if you have been watching mortgage rates like a hawk, you probably felt a little spark of hope when you saw the numbers. Nonfarm payrolls fell by 23,000 jobs versus the 80,000 that economists had forecast. Last month’s figures got revised […]

Mortgage Rates Roughly Unchanged Versus Friday’s Lows: What Refinance Borrowers Need to Know

After watching mortgage rates climb steadily throughout early 2025, we finally caught a small break heading into this week. If you have been sitting on the sidelines waiting for the right moment to refinance, this is the kind of market movement worth paying attention to. Let me break down what happened and what it means […]