Tim Rhey Team

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Tim Rhey Team Tim Rhey, True Rate Mortgage Group, Powered by Altamont Funding, an Equal Housing Lender. Xpert Home Lending, Inc.

https://www.true-rate.com/

IMPORTANT: True Rate Mortgage Group, LLC is a division of Xpert Home Lending, Inc. (XHL) is not a law firm, tax, or financial planning organization. XHL does not provide legal, tax, or financial planning advice. NMLS Consumer Access: https://mortgage.nationwidelicensingsystem.org/about/Pages/NMLSConsumerAccess.aspx

Privacy Policy:
https://www.true-rate.com/privacy-policy/

24/06/2026

Mortgage rates are trying to make a move.

Oil prices have dropped, bonds are improving, and the market is finally showing a little life again.

But here’s the truth: this is not a victory lap yet.

The bond market has been fighting the same ceiling for weeks. If we break through it, buyers may start seeing real rate relief. If we don’t, we could stay stuck in the same frustrating range.

My advice?

Don’t try to perfectly time the bottom.

Get approved. Know your numbers. Watch the market. Be ready when the right house and the right strategy line up.

The opportunity usually shows up before everyone feels comfortable.

In your best Interest.

HomeBuying MortgageAdvisor ColoradoRealEstate RateUpdate TimRhey

May was a month I’m incredibly grateful for.Behind every closing is a family, a conversation, a challenge solved, and a ...
22/06/2026

May was a month I’m incredibly grateful for.

Behind every closing is a family, a conversation, a challenge solved, and a team that showed up with excellence.

For May, we helped 54 families with over $30.3 million in funded home loans.

Year to date, that represents:
• $153.8 million funded
• 171 purchase closings
• 92 refinance closings

I also want to be completely transparent about what these numbers represent.

These results reflect True Rate Mortgage Group’s production completed in partnership with Altamont Funding. That’s an important distinction, and one I’m proud of. True Rate is our consumer-facing brand, while Altamont provides the platform, lending relationships, operations, and support that allow us to serve our clients at the highest level.

Success in this business is never an individual accomplishment.

Thank you to every client who trusted us with one of life’s biggest financial decisions. Thank you to our Realtor partners, financial partners, title companies, insurance partners, and everyone behind the scenes who makes every closing possible. Most of all, thank you to the incredible operations team at Altamont Funding and everyone at True Rate who works tirelessly to deliver an exceptional client experience.

We’re grateful for every opportunity to serve, and we don’t take your trust for granted.

Here’s to continuing to do things the right way—one family at a time.

In Your Best Interest. ❤️🏡

Lower payment > lower ego.Everybody wants the best rate.But sometimes the real win is building the right strategy:✅ bett...
20/06/2026

Lower payment > lower ego.

Everybody wants the best rate.

But sometimes the real win is building the right strategy:
✅ better loan structure
✅ smarter insurance setup
✅ debt strategy
✅ seller credits
✅ temporary buydown options

A lower payment doesn’t happen by accident.

It happens when your lender knows how to structure the deal.

Strategy over guesswork.

ColoradoRealEstate MortgageBroker

Before you sign anything, make sure the numbers actually make sense.A low rate is great — but it is only one piece of th...
20/06/2026

Before you sign anything, make sure the numbers actually make sense.

A low rate is great — but it is only one piece of the mortgage.

Your payment, cash to close, fees, taxes, insurance, and long-term strategy all matter.

That is where True Rate comes in.

We slow it down, walk through the real numbers, and help you make a smart decision before you commit.

In your best interest.

— Tim Rhey
Mortgage Advisor | NMLS #883312

MortgageAdvisor HomeLoan FirstTimeHomeBuyer KnowBeforeYouSign InYourBestInterest RealEstateTips

18/06/2026

If you’ve got equity in your home, what options do you have?

Rates move fast.That’s why strategy matters.At True Rate, we shop options, compare the numbers, and build the right game...
18/06/2026

Rates move fast.

That’s why strategy matters.

At True Rate, we shop options, compare the numbers, and build the right game plan before you lock.

Know it. Don’t just hope you got the best rate.

Text LETSGO or call 970-786-0222.

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