AeraVela Legacy Partners

09/19/2025

📉 Wait… Didn’t the Fed lower rates? Why did mortgage rates go up?! (and then down and then up and then down again?!)

A common question every time the Fed cuts rates.

So let’s clear the air 👇

Yes, the Fed did cut rates this week (by 0.25%), bringing the federal funds rate to around 4.00–4.25%. And yes, they signaled more cuts are coming later this year.

But here’s the curveball:
📈 Mortgage rates? Some actually went up after the cut.

If that feels backwards, you're not alone. But it's actually textbook market behavior. Let me explain like I would if we were sitting down over coffee:

💡First, mortgage rates and Fed rates are not the same.

The Fed controls the overnight lending rate (that’s what banks charge each other.)

Mortgage rates? They’re tied more closely to long-term bond yields (specifically the 10-year Treasury.) And those are influenced by how investors feel about things like:

📍Future inflation
📍Economic growth
📍Global markets
📍Confidence in the Fed's next moves

So when the Fed cuts rates, the bond market might go:
“Hmm… this must mean inflation is still sticky or the economy isn’t cooling fast enough,” which ironically can cause long-term yields to rise and that pushes mortgage rates up.

🧠 Here’s the part most people miss:

It’s super common to see mortgage rates tick up temporarily after a Fed cut.
The markets are processing the Fed’s tone, not just the action. Once things settle and inflation shows more signs of cooling, rates usually ease back down.

So if you're shopping for a home or planning to refi, don’t panic. This is part of the cycle.

What I’m telling my clients:

✅ If you're in the market, watch the trend, not the daily headlines.
✅ If a rate pops up that works for your goals don’t overthink it. Lock it in.
✅ If not? Stay patient. There’s a strong case for rates drifting downward.

The bottom line?
Rate cuts don’t work like light switches. They’re more like dimmers and the light takes a second to adjust.

Want to talk strategy for your specific scenario? Email me at [email protected].

Angela McNeil - Independent Mortgage Loan Officer - NMLS #2535443
AeraVela Legacy Partners
www.aeravelalending.com

07/29/2025

Hi friends, clients and followers!

I'd love your support! If you have a few minutes, please click on this link, then the 'Finance' category and under the Loan Officer section, you'll find me! (Voting can be done daily)

https://tinyurl.com/BestOfTexoma

Thank you!! ~Angela

07/28/2025

Got equity in your home but don’t want to refinance?
A HELOC (Home Equity Line of Credit) lets you tap into your home’s value without touching your low first mortgage rate.

🛠 Use it for renovations
💼 Launch or grow a business
💳 Pay off high-interest debt
💡 Or finally fund that “someday” dream

Here's what makes it easy:
✅ 100% online application
✅ No in-person appraisal for loans under $400K
✅ Income verified via Plaid — no paystubs or tax returns in most cases
✅ Get approved in 5 minutes — with a soft credit pull upfront. Hard credit pull only after moving forward with option.
✅ Borrow up to $750K
✅ Funding in as little as 5 days (or 12–15 in Texas)

💻Click here to explore your equity.
https://tinyurl.com/LegacyHELOC

Don't see options that fit? Let's find another one that will.

07/24/2025

Your dream deserves more than a “maybe someday.”

The cozy coffee and book shop on Main Street.
The boutique salon you’ve outgrown.
The Med Spa built to your specs.
The winery and event venue.

You don’t have to keep waiting.
And you definitely don’t have to do it alone.

✨ SBA loans are designed for dreamers like you:
• Low down payment
• Longer terms to keep your monthly payments low
• Funding for real estate, renovations, equipment, and more
✨ You may qualify if:
• Your business is U.S.-based and for-profit
• You have good credit and a clear vision
• You’re ready to own, expand, or build something of your own

At AeraVela Legacy Partners, we specialize in boutique lending solutions for small businesses with big purpose. We’ll walk beside you—from dream to closing day.

I'm ready when you are!
Angela McNeil - Mortgage Loan Officer NMLS #2535443
[email protected] or [email protected]
(903) 730-9145
www.aeravelalending.com
AeraVela Legacy Partners
Powered by NEXA Mortgage, LLC

07/22/2025

I am completely stunned and incredibly honored to be nominated for Best of Texoma - Mortgage Loan Officer. A huge 'Thank You!' to those that thought of me and took the time to throw my name into the bucket. Your support means more than I can express!

Now, the voting phase begins and I would be so grateful for your vote!
You can vote here: https://tinyurl.com/BestOfTexoma

Thank you again for believing in me and the work I do!

(Note - nominations were submitted prior to the Name Change, so it is listed under High Vibe Mortgage, Angela McNeil)

07/06/2025

Announcing: The High Vibe Mortgage Team has a new name!

New Name. Same Team. Elevated Vision.

At AeraVela Legacy Partners, we don’t just finance real estate, we help visionaries chart bold new paths.

Rooted in the Latin words “aera” (air) and “vela” (sail), our name symbolizes freedom, momentum, and the courage to navigate uncharted waters. We exist for those who are building more than homes or portfolios...they’re building legacies.

Whether you’re a first-time buyer with big dreams, a retiree unlocking the next chapter through home equity, a developer shaping communities, or an investor building generational wealth, we bring strategy, clarity, and boutique-level support to every step of the journey.

Every client we serve receives personalized attention and creative solutions grounded in real expertise. With access to over 270 lenders, we have the flexibility to match financing to your unique vision.

This is legacy lending for legacy builders—at every stage of the path. We build relationships, not just loans.

Welcome aboard.

06/26/2025

🌊 Vela
Root Origin: Latin for “sail”. Also refers to “Vela”, a southern constellation in astronomy (part of the Argo Navis, the ship of the Argonauts).

Symbolism:

Sail of a ship – representing navigation, direction, and forward motion.

Celestial connection – hints at destiny, guidance, and exploration.

Flexibility and strength – sails are adaptable yet powerful, essential for moving forward even in uncertain conditions.

06/25/2025

🌿 Aera
Root Origin: “Aera” is derived from “aer” or “aether”, both related to air, atmosphere, or upper skies.

Symbolism:

Air, lightness, and movement – suggesting freedom, exploration, and expansiveness.

Higher perspective – conveying a sense of elevated thinking and big-picture vision.

Innovation and openness – embodies the idea of fresh ideas and navigating new territory.
...Stay Tuned

06/24/2025

Change is in the air…

⛵️Something is on the horizon. High Vibe is evolving, but our heart remains the same: helping you unlock your legacy, one loan at a time. Stay tuned.

05/29/2025

Rates will do what rates do. That dream home? It's not waiting on you. If the payment works, you lock it in now. Then, we refi when it's smart.

Ready when you are—tap this link and let’s get you pre-approved:
📲 https://tinyurl.com/HighVibeApproved

Angela McNeil |Mortgage Loan Officer NMLS #2535443
Certified Reverse Mortgage Specialist
www.highvibemortgage.com
[email protected]
https://linktr.ee/angela_mcneil

04/18/2025

💅Complete the Journey, Babe💅

You made it through the shots, the cravings, the scale drama, the exercise.
Now you’re here. And you deserve to feel 100% amazing in your skin.

Listen. I think you look fabulous - I really do.
But how YOU feel is what really matters. Loose skin? Sagging spots? If they bother you, I have a way to handle it, stress-free.

Your house? She’s been holding equity this whole time.
Let’s put her to work and finish this journey!



Apply and get approved in under 10 minutes. No documents required. No physical appraisal. Income is verified via Plaid. Funding in 5 days (12-15 in Texas).

Apply Now ➡

Get a Home Equity Line of Credit Fast - Approval in 5 minutes, Funding in as few as 5 days