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Pineapple Mortgage Pineapple is powered by Canopy Mortgage, a national lender. Equal Housing Lender. Pineapple Mortgage Div.

of Canopy Mortgage, LLC NMLS ID 1359687
Canopy Mortgage, LLC 360 Technology Ct Ste 200 Lindon, UT 84042 NMLS ID #1359687 www.nmlsconsumeraccess.org

10/13/2026

Closing costs might be about to get cheaper and this is worth paying attention to.

FHFA Director Bill Pulte is expected to announce as soon as today that Fannie Mae and Freddie Mac will only require credit reports from two bureaus instead of three. Fewer reports means lower costs for buyers and it could take effect within one to three months. This is especially good news for first-time buyers and anyone with thin credit who has been sitting on the sidelines.

Now pair that with what else is happening in the market.

Rents just posted their biggest annual jump since April 2025, up 2.7 percent to $1,932 a month, while home values barely moved. That gap is widening in favor of buying.

Yes rates jumped this week. But that is making sellers more flexible on credits, buydowns, and pricing. Buyers are adapting too with adjustable-rate mortgages climbing to 8.1 percent of applications.

The market is shifting and prepared buyers are the ones winning right now.

Send your buyers my way early and I will run the payment scenarios that keep your deals alive.

10/07/2026

What if waiting for lower rates actually costs you money?

I talk to buyers every week who are waiting for rates to drop before they buy. I get it. But let's think through what actually happens when rates fall.

More buyers come off the sidelines. Competition goes up. Prices tend to follow. The savings from a lower rate can get eaten up by paying more for the same house and by losing the negotiating power you have right now.

Here is the flip side of higher rates: fewer buyers competing. That means more room to negotiate on price, more sellers willing to cover closing costs, and more leverage for a rate buydown.

And if rates drop later? You can refinance. You cannot go back and buy at today's price.

Nobody knows exactly when rates will fall. Not me, not the economists, not the person on TikTok. So the better question is not when will rates drop. It is can I afford this payment today.

If the answer is yes, waiting is a bet, not a plan.

If you want to see what buying now versus waiting a year actually looks like in real numbers send me a message. I will build both scenarios for you.

10/02/2026

Some buyers may suddenly have more purchasing power in 2026 without changing a single thing about their income. Here is why.

New conventional loan limits are increasing which means the ceiling for conventional financing is moving higher. For many buyers this creates a bigger window of opportunity because they may now be able to purchase higher-priced homes while staying within conventional loan guidelines instead of having to move into jumbo financing.

Why does that matter? Conventional loans typically offer more flexibility, more competitive rates, and more program options than jumbo products. Staying within conventional guidelines can make a real difference in what a buyer qualifies for and what their payment looks like.

This is especially important for move-up buyers, buyers in higher-cost areas, and anyone who felt stuck between price points because of where the previous limits sat.

For Realtors the biggest takeaway is this: every time financing options expand new conversations open up. Now is a great time to reconnect with buyers who paused their search, past clients who have been thinking about moving, and homeowners who may finally be ready for their next step.

Understanding changes like this is how you bring more value to your clients and create more opportunities to grow your business.

Reach out anytime if you want to talk through what this means for a specific buyer or situation.

09/24/2026

The Fed made a move this week and I know buyers and Realtors are asking the same question: what does this mean for mortgage rates?

Here is the biggest misconception worth clearing up. When the Fed changes rates mortgage rates do not automatically move by the same amount. Conventional mortgage rates are influenced more by long-term market factors including inflation expectations and the bond market. They are related but they are not the same thing.

The positive takeaway is that the Fed's actions are designed to create more economic stability and help bring inflation under control. If investors gain more confidence that inflation is improving that creates a healthier environment for mortgage rates to improve over time.

For buyers this is a good reminder that the goal is not to wait for the perfect market moment. The right strategy is understanding your options, negotiating wisely, and making a decision based on your personal goals.

For Realtors this is a great opportunity to educate your clients, cut through the noise, and be the trusted advisor they need when headlines create uncertainty. The agents who bring clarity and confidence right now are the ones building stronger relationships and growing their business long term.

Reach out anytime if you have questions about what this means for your specific situation.

09/16/2026

A buyer you talked to six months ago who was not ready might have a completely different opportunity today. And the reason is worth understanding.

For years mortgage approvals have relied heavily on traditional credit scoring models. The challenge is that a credit score does not always tell the complete story of someone's financial habits. A person who has been diligently managing their finances, building responsible credit behavior, or who simply has a limited credit history may not have been fully captured by the models lenders have traditionally relied on.

That is changing.

The mortgage industry is expanding the use of newer credit models like VantageScore 4.0. These models are designed to look at a broader picture of someone's credit history and recognize responsible financial behavior that may not have been visible before.

What that means in practice: buyers who have been working to improve their credit, buyers who have limited credit history but strong financial habits, and buyers who simply did not fit the traditional lending model may now have options they did not have six months ago.

For realtors this is a direct reason to go back to your past leads. The opportunity may not be that they need more time. They may just need a new conversation with the right mortgage professional.

And for buyers who were told not yet it is worth having that conversation again.

Reach out and let's take a fresh look at what is possible.

09/16/2026

Some genuinely good news from Fannie Mae that is going to help a lot of buyers who have been stuck trying to qualify for a new home while still owning their current one.

Fannie Mae just made a positive change to their underwriting guidelines for departure residence rental income. And this is a big deal.

Previously if you were moving and wanted to count the rental income from your current home toward qualifying for a new purchase Fannie Mae required a signed rental contract, first month's rent collected, and the security deposit in hand. That was a significant hurdle that stopped a lot of transactions before they even started.

Under the new guidelines Fannie Mae will now only require a rent comparable schedule and six months of PITI reserves. No signed lease required. No first month's rent collected. No deposit in hand.

Why does this matter for real estate agents? This change should help you gain listings. There are sellers sitting on the sideline right now who want to move but cannot qualify for a new home while holding their current one. That roadblock just got significantly smaller. The conversation with those clients just changed.

If you have sellers who have been hesitant to list because they were not sure they could qualify for two homes at once this is worth a call.

Reach out anytime if you have questions about how this applies to a specific situation.

09/08/2026

Mortgage rates have been making headlines again this week as markets react to new inflation concerns and uncertainty around the Federal Reserve's next steps.

And every time rates move the headlines follow. And every time the headlines follow some buyers freeze and some sellers hesitate.

But here is what is actually true right now.

Real estate decisions are not made on rates alone. Buyers are still looking for homes. Sellers are still making moves. And the clients who have the right guidance are the ones who are able to take action while everyone else is waiting for the headlines to calm down.

The biggest opportunity in this environment is helping consumers understand their actual options instead of letting a news cycle make the decision for them. Because the news cycle does not know their timeline, their goals, their financial situation, or the specific opportunity sitting in front of them right now.

For realtors this is one of the best times to become the trusted resource in your market. Not by predicting where rates go next. By educating your clients, staying consistently connected, and showing them that opportunities still exist even when conditions change.

The clients who act with guidance win. The ones who wait for perfect conditions often miss the window.

Reach out anytime and let's talk through what the current environment means for your specific situation.

09/07/2026

Happy Labor Day weekend to everyone out there!

For me Labor Day is a great reminder that football season is officially starting which is reason enough to celebrate. But it is also a great time to step back and reflect on the hard work you have put in over the past year and reset your mindset for what is still ahead.

We are in the final stretch of the year. The goals you set back in January are still within reach. Labor Day weekend is the perfect moment to take stock of where you are, appreciate how far you have come, and recommit to what you still want to accomplish before the year is out.

Rest. Recharge. Reset.

Have a fun and safe Labor Day weekend everyone. Enjoy it with your people.

09/01/2026

This week's housing market update is focused on something every buyer and seller is watching: inflation and what the Federal Reserve does next.

Recent economic data continues to show that inflation remains a major factor influencing the Fed's decisions. Policymakers are balancing the goal of keeping inflation under control while supporting a healthy economy. That balancing act is producing uncertainty in the rate environment and that uncertainty is trickling down directly into buyer and seller behavior.

But here is the thing about uncertainty in real estate that most people miss.

For consumers uncertainty feels like a reason to wait. For real estate professionals uncertainty is an opportunity to become the most trusted voice in the room.

Your clients do not need someone who can predict exactly what the Fed will do next or where rates will land in six months. Nobody can do that reliably. What they need is someone who can clearly explain what is happening right now and help them understand what their actual options are in this specific environment.

That is the value you can provide that no algorithm or headline can replace.

This is a great time to reconnect with your database. Check in with past clients who may be watching the news and wondering what it means for them. Educate buyers who have been waiting for the perfect moment that may never arrive exactly as they imagined it.

The agents and lenders who consistently provide real value and help people make informed decisions will be the ones who stay top of mind when opportunities arise. And opportunities are arising right now for buyers who understand how to use the current market.

08/26/2026

I get this question all the time. Should I just wait for the housing market to crash?

It is a completely understandable question. Everyone remembers 2008 and nobody wants to buy at the top of a market right before it falls apart. But here is what the data actually says about where we are today.

Most economists are not expecting a repeat of 2008. And the reason is that today's market looks fundamentally different from the conditions that caused that collapse.

Homeowners right now have strong equity positions. They are not underwater on their mortgages the way millions of people were before the last crash. Foreclosure rates are low. Lending standards are significantly tighter than they were in the mid-2000s. And there is still a genuine shortage of homes in many parts of the country which means the supply-demand dynamic continues to support values even as the market has cooled from its peak.

Could prices level off in some markets? Absolutely. That is already happening in certain areas and it is a normal and healthy part of any real estate cycle.

But here is the risk of the wait-for-the-crash strategy that most people do not think through carefully. If the crash you are waiting for never comes at the scale you are expecting you could end up paying higher prices later while having missed months or years of equity building in the meantime. Waiting has a cost. It is just less visible than the cost of buying at the wrong price.

The smartest move is not trying to perfectly time the market. It is buying when you are financially ready and finding the right strategy for your specific situation.

Reach out if you want to talk through what that looks like for you.

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Honolulu, HI
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