Author: Evan

My blog is a tool for me to provide updates on what is happening in the financial markets that will impact mortgage rates, update professional partners on what is happening in the mortgage industry, and write about general financially related topics.

How Tariffs Impact Mortgage Rates

Posted on by Evan in Swanson Home Loans Blog - Mortgage Rate Updates and More

Hey everyone, it’s Evan Swanson from Guild Mortgage!

With new tariffs affecting the economy, many are wondering how this impacts the housing market. Here’s a quick breakdown:

>Tariffs can cause inflation, which is a key driver of mortgage rates.
>Higher inflation expectations often lead to higher mortgage rates.
>Good news: Mortgage rates are currently at multi-month lows despite the tariffs!

Stay tuned for more updates as things remain volatile.
Thanks for watching and please reach out with questions or if I can be of assistance!

Real Talk Ep 15 with David Battany: Unlocking Homeownership

Posted on by Evan in First-Time Homebuyer, Fixed Rate, General Mortgage Info., Housing & Real Estate, Mortgage Programs

Welcome to another episode of the Real Talk video podcast series! In this episode, we are thrilled to interview mortgage industry veteran and capital markets expert, David Battany. With over 30 years of experience as a leader in the field, David shares his invaluable insights on the significance of homeownership in our society.  Join us as David demystifies the true determinants of mortgage rates and provides expert advice on when consumers should consider locking in a rate.

His profound understanding and passion for the industry make this episode a must-watch for anyone interested in the mortgage market. Don’t miss out on this engaging and informative conversation with one of the brightest minds in the field. We’re honored to have David on the show!

Fannie Mae’s New Rules: Impact on Condo Financing

Posted on by Evan in Swanson Home Loans Blog - Mortgage Rate Updates and More

Recent changes by Fannie Mae and Freddie Mac regarding HOA master insurance policies are impacting condo financing.

I’ve recorded a detailed video explaining these changes and their effects. If you’re a real estate professional, condo owner, or buyer, this is crucial info!

Unlocking Homeownership: Family Gifts

Posted on by Evan in First-Time Homebuyer, General Mortgage Info.

Are you a first-time homebuyer in need of down payment funds? Or perhaps you’re a parent or grandparent looking to help your children or grandchildren buy their first home? In this video, we explore tax-efficient strategies to make your dreams a reality!

Join us as we dive into the 2025 IRS Annual Gift Tax Exclusion and Lifetime Exemption amounts. We’ll show you real-life examples of how to structure gifting in a way that avoids triggering gift taxes. Learn how to maximize your financial support without the tax burden.

Don’t miss out on these valuable insights! Watch now to discover how you can help first-time homebuyers achieve their homeownership goals.

Real Talk Ep 14 with Pascha Cain: Unlocking Potential Through Real Estate

Posted on by Evan in Swanson Home Loans Blog - Mortgage Rate Updates and More

In this episode of “Real Talk,” we sit down with Pascha Cain from The Agency, Portland. Pascha brings a wealth of experience from her 23 years in senior-level marketing at Nike and Adidas before transitioning into the world of real estate. She shares how her expertise in identifying target consumers and using storytelling to create emotional connections has been instrumental in optimizing outcomes for home sellers.

Pascha delves into her “raise the bar” customer service strategy, offering invaluable advice for investors interested in short-term rentals. Tune in to discover how Pascha’s unique background and innovative approach are making waves in the real estate industry.

Best Time to Buy a Home in 2025: What You Need to Know

Posted on by Evan in Swanson Home Loans Blog - Mortgage Rate Updates and More

Watch now and get ahead in the housing market!

Ever wondered when the best time to buy a home is? Join me for a quick dive into the dynamics of the 2025 housing market.

4th Quarter 2025: Housing Market Recap & Looking Ahead

Posted on by Evan in Swanson Home Loans Blog - Mortgage Rate Updates and More

Curious about the latest trends in the Portland housing market? I’ve got you covered!

Key Highlights:

>Monumental changes in the Fed’s monetary policy and its impact on mortgage rates.

>Current home prices and appreciation trends in Portland.

>Seasonal shifts in housing inventory and what it means for buyers and sellers.

>Expert tips on navigating the market, whether you’re buying or selling.

Don’t miss out on valuable insights and practical advice to make informed decisions in this dynamic market!

Real Talk Ep 13 with Josh Hackenjos: Help Others Solve Problems!

Posted on by Evan in Swanson Home Loans Blog - Mortgage Rate Updates and More

Join me for an insightful conversation with Realtor Josh Hackenjos, who has been a licensed Realtor since 2011. Josh has built a successful real estate practice by focusing on serving his community, being honest, and providing sound advice, even when it doesn’t benefit him. ✨

In this interview, Josh shares his secrets to success and offers valuable tips on how (and when) to plan your important activities for a successful new year. Hint: It doesn’t have to be complicated! Don’t miss out on this opportunity to learn from one of the best in the business!

Federal Rate Cuts: What Homebuyers Need to Know!

Posted on by Evan in Swanson Home Loans Blog - Mortgage Rate Updates and More

Fed cuts and mortgage rates? What do I need to know? Watch to learn more!

How to House Aging Parents: Affordable Solutions Revealed

Posted on by Evan in Swanson Home Loans Blog - Mortgage Rate Updates and More

Did you know that advancements in healthcare are extending our life expectancy? This means more of us will be figuring out how to house our aging parents.

In the next 5-10 years, the number of Oregonians over 85 will more than double! This could be a challenge for many families. But don’t worry, I’ve got a solution for you!

Introducing the Fannie Mae and Freddie Mac Family Opportunity Loan Program! This program allows adult children to purchase a home for their aging parents with as little as 5% down and at primary residence interest rates. It’s an affordable way to provide comfortable housing for your loved ones while also building wealth over time.

If you’re trying to figure out how to house your aging parents affordably, reach out to me today! I’d be honored to help.