Author: Mark Curameng

With 19 years of experience in the mortgage industry and over $1 billion in funded transactions, I've had the privilege of helping hundreds of clients achieve their dreams. I specialize in helping clients navigate home financing with clarity, care and confidence. From fist-time homebuyers to seasoned investors, I've structured a wide range of loans tailored to each client's unique needs and goals. Fluent in English and Tagalog, I've had the privilege of serving a diverse client base and leading high-performing teams of mortgage professionals throughout my career. My focus is always on building trust, communicating clearly, and delivering results that empower people to move forward in life. Outside of work, I enjoy golf, hiking, great food, and quality time with family and friends. I'm grounded in my faith in God, family, Freemasonry, and a deep love for our home, the United States. Whether I'm guiding a client or enjoying a simple day, I find joy in life's moments and the people…

Different Week, Same Selling: What Bond Market Pressure Means for Mortgage Rates

If you have been watching the mortgage market lately, you have probably noticed that rates have been on quite a ride. As someone who has spent 19 years in this industry and helped clients through just about every market condition imaginable, I can tell you that weeks like this one remind me why staying informed […]

Surprisingly Light Selling Given The Econ Data: What August Jobs Numbers Mean For Mortgage Rates

If you have been watching the mortgage rate landscape like I have for the past 19 years, Friday’s market reaction probably had you scratching your head a bit. The August Non Farm Payrolls report came in at 162,000 jobs versus the forecasted 56,000. That is a massive beat by any standard. And yet, the bond […]

Mortgage Technology Is Changing Fast: What It Means for Your Refinance in 2026

If there is one thing I have learned in my 19 years in the mortgage industry, it is that change is the only constant. And right now, we are in the middle of one of the most exciting shifts I have ever seen: the way technology is transforming how we serve borrowers like you. I […]

Incidental Weakness: Bigger Considerations on The Horizon for Mortgage Rates

There are days in the mortgage market when everything moves for a clear reason, and then there are days like this one. Sometimes the market shifts without a headline or major economic release to point to, and that is exactly what we saw recently. As someone who has spent 19 years navigating these kinds of […]

Rhode Island’s New Tax on High-Value Second Homes: What Out-of-State Owners Need to Know

If you own a high-value second home in Rhode Island or have been dreaming about purchasing one along that beautiful coastline, there is some important news you need to know about. A new tax targeting expensive vacation properties has sparked a legal battle that could have significant implications for out-of-state property owners across the country. […]

Thank You PPI: Why This Morning’s Producer Price Index Report Has Markets Feeling Grateful

Good morning, and what a morning it is! If you woke up today wondering what the latest inflation data might mean for your home financing plans, I have some encouraging news to share. The Producer Price Index, commonly known as PPI, came in this morning with numbers that have given both the bond market and […]

Mortgage Industry Momentum: Conferences, Technology Innovation, and What Refinance Borrowers Need to Know This Fall

As summer winds down and we head into fall, I am feeling that familiar excitement that comes with mortgage conference season kicking back into high gear. After what has been a relatively quiet summer across the industry, September and October are shaping up to be packed with events, networking opportunities, and conversations about where our […]

Pause Ends in Iran, But Probably Not For The Fed: What It Means For Your Mortgage

Happy Wednesday, friends! Mark Curameng here, and let me tell you, this week in the mortgage and financial world has been anything but boring. If you caught any headlines over the weekend, you probably saw the news about the U.S. and Iran reaching a pause in hostilities. For about 48 hours, we actually watched the […]

Higher Refinance Demand Despite Rising Rates: What FHA and VA Borrowers Need to Know

Well, here is something that caught my attention this week, and I think it is worth sharing with you all. Despite mortgage rates climbing to their highest levels since August 2025, refinance activity is actually on the rise. I know that might sound counterintuitive at first. Usually, when rates go up, we expect refinancing to […]

Are Bonds High on Crack (Spreads)? What Fuel Margins Mean for Mortgage Rates

If you have been following financial news lately, you might have heard a term that sounds like it belongs more in a chemistry lab than in a mortgage conversation: crack spreads. Trust me, I had to do a double take the first time I heard it too. But here is the thing. Understanding what is […]