Mortgage Blog | Giuseppe Battaglioli

Mortgage Rates Drop to 6.05% — Near 3-Year Lows

By Giuseppe Battaglioli

Mortgage rates just moved lower — near levels we haven’t seen since early January.

Conventional 30-year rates for well-qualified buyers are around 6.05%, roughly ⅛% lower this week after a cooler-than-expected inflation report.

We’re starting to see multiple offers again on strong homes — but this is not the frenzy of 2021.

In this video, I break down:
• What moved rates this week
• Why inflation matters
• What buyers and sellers should expect
• Where seller concessions still exist

Click here for my market update video: https://youtu.be/mty9r4rbT28

Bank Statement income refinance example

By Giuseppe Battaglioli

I wanted to share a real example from a recent refinance that highlights why understanding non-traditional income matters.

This client didn’t fit neatly into standard W-2 or tax-return guidelines — but by using bank statement income, we were able to:

Accurately reflect their true cash flow

Refinance into a better long-term situation

Avoid forcing income into boxes that didn’t tell the full story

This type of loan isn’t for everyone — but for business owners, self-employed borrowers, or anyone with complex income, it can be a powerful solution.

If you or one of your clients has strong income that doesn’t show up cleanly on tax returns, I’d be happy to talk through whether this option makes sense.

Click here for the video: https://youtu.be/_QJ7pgcOCDw?si=d9061cz5Tpyho52z

The Four Agreements

By Giuseppe Battaglioli

We just finished reading Don Miguel Ruiz's 160-page masterpiece as a team. In this book, he shared a simple 4-agreement framework for creating clarity, peace, and personal freedom in everyday life.

Be Impeccable With Your Word

Speak with integrity. Say only what you mean. Use your words to build trust — not to create fear or doubt.

Don’t Take Anything Personally

What others say and do is a reflection of their world, not yours. Detachment creates freedom.

Don’t Make Assumptions

Clarity beats stories. Ask questions. Communicate directly. Assumptions are where most misunderstandings begin.

Always Do Your Best

Your “best” will change from day to day — and that’s okay. Effort with intention matters more than perfection.

Reading this as a team sparked great conversations about communication, accountability, and how we show up for each other — personally and professionally.

Highly recommend this one if you’re focused on growth, leadership, and building something meaningful together.

Hard Lesson Learned

By Giuseppe Battaglioli

When I was early in my career and trying to be everything to everyone, I struggled with being fully present with my family.

I’ll never forget a moment from Luca’s first season of Little League — actually T-ball.

He caught a pop fly, which at that age is a huge deal. He looked up, beaming with pride and joy...and I was looking down at my phone, working on an email that felt “urgent.”

Maureen elbowed me hard. I looked up.

But I’m pretty sure Luca already knew I wasn’t really there.

Wherever you are, be there, Jim Rohn said it best.

Nothing on that phone mattered more than that moment — and time moves so fast, you don’t get many chances to learn that twice.

I still see it all the time now: parents on their phones during games, missing moments that pass in a blink. It hurts my heart, because I’ve been there.

I’m grateful I learned this lesson early, and I hope this is helpful to someone who might need the reminder today.

Something is different this year

By Giuseppe Battaglioli

Every loan officer and realtor I’ve spoken with is saying the same thing:

They haven’t had a January this busy in years.

Personally, I just wrapped up one of the busiest weeks of calls and meetings I can remember.

That’s great news for the industry and the market.

But it also means this

As competition increases, seller concessions will become less common — and that can mean thousands more due at closing for buyers who aren’t prepared.

The good news?

A solid plan doesn’t start with a rate…

It starts with a conversation.