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/

10/09/2026

“I am the house now. You can bet against me if you want.”

That’s one heck of a statement from our Treasury Secretary.

Meanwhile, the 10-year Treasury yield climbed from 4.77% to nearly 4.92% in about a week—and mortgage rates are feeling it.

Is this another market crash? Not yet. For perspective, the 10-year jumped 50 basis points in one week back in April 2025. But the timing, the confidence and the pressure hitting this market definitely have my attention.

Confidence or ego? And does this feel coordinated to anyone else?

09/09/2026

The bond market doesn’t care who you voted for.

It doesn’t watch press conferences.
It doesn’t believe campaign promises.
It just keeps score.

Six months ago, the 10-year Treasury was near 4.2%. Today, it’s pushing 4.85%.

That difference may look small—but on every $1 trillion borrowed, it represents roughly $6.5 BILLION more in interest every year.

Same money.
Nothing extra to show for it.
Just a bigger bill.

And when America pays more to borrow, eventually you do too—through mortgages, car loans, business loans and everything financed with debt.

I don’t care which political team wins the argument.

I want America to win the game.

And right now?

We’re losing 45–0.

Share this with someone who keeps asking why rates aren’t coming down.

DM me MATH and I’ll show you what today’s market is doing to your homebuying power.

TrueRateMortgage

05/09/2026

20% down is not some magical mortgage commandment.

A lot of people put 20% down for one reason: they don’t want monthly mortgage insurance.

Fair.

But here’s what most people never hear:

Sometimes you can put 10% down, buy the mortgage insurance out upfront, and still bring WAY less cash to closing.

I had a client do exactly that.

He kept about $20,000 instead of burying it in the house.

Same house.
No monthly MI.
Twenty grand still in his pocket.

He used it to pimp out the place.

Another lender never even showed him the option.

That’s why the cheapest mortgage isn’t always the one with the biggest down payment.

Knowledge is power.
Actually… knowledge is money.

Save this one before somebody tells you “you need 20% down.”

05/09/2026

If you have a mortgage, you should probably know this math. 👀

On a $400,000 mortgage at 6.5%, your first $2,528 payment is roughly:

$2,167 → interest
$361 → actually lowers what you owe

But here’s the part that matters:

Interest is based on how much you still owe.

So the faster you lower that balance, the less interest you pay.

Even an extra $100/month toward principal can knock about 3 years off this mortgage and save roughly $64,000 in interest.

That’s not money you made.

That’s money you never had to spend.

Save this one. And send it to somebody with a mortgage.

04/09/2026

WTH actually happened to home prices? 🏠📈

Here’s what surprised me.

Home prices are up roughly 237% since 2000.

Sounds completely insane… until you realize that’s over 26 years.

That works out to roughly 4.8% per year.

And historically? A home appreciating around 4–5% a year isn’t necessarily the crazy part.

So maybe we’ve been blaming the wrong thing.

The bigger problem is that the income families use to BUY those homes didn’t keep pace.

Then we piled higher mortgage rates on top of it.

Higher home price.
Higher borrowing cost.
Paycheck that didn’t grow at the same speed.

That’s where affordability got crushed.

So I’m curious:

Are home prices actually the problem… or is the real problem that American incomes haven’t kept up?

Tell me what I’m missing. 👇

FirstTimeHomeBuyer MortgageRates HousingAffordability

04/09/2026

WTH actually happened to home prices? 🏠📈

Here’s what surprised me.

Home prices are up roughly 237% since 2000.

Sounds completely insane… until you realize that’s over 26 years.

That works out to roughly 4.8% per year.

And historically? A home appreciating around 4–5% a year isn’t necessarily the crazy part.

So maybe we’ve been blaming the wrong thing.

The bigger problem is that the income families use to BUY those homes didn’t keep pace.

Then we piled higher mortgage rates on top of it.

Higher home price.
Higher borrowing cost.
Paycheck that didn’t grow at the same speed.

That’s where affordability got crushed.

So I’m curious:

Are home prices actually the problem… or is the real problem that American incomes haven’t kept up?

Tell me what I’m missing. 👇

HomeBuying FirstTimeHomeBuyer MortgageRates HousingAffordabilit

04/09/2026

Iran, oil, inflation, mortgage rates… somehow it all ends up at your front door. 😅

Here’s the part I actually care about: I can’t control the market, but I can control how lean I run my business, how many options I shop, and how hard I fight for my clients.

No giant corporate machine. No ridiculous overhead. Just trying to get people the best mortgage option I can.

The market may move against you. Your lender should be working for you.

HousingMarket TrueRateMortgage

04/09/2026

60 payments later… and you still owe $374,444. 😳

That’s the part nobody explains when you get a mortgage.

On a $400K loan at 6.5%, after 5 years you’ve paid about $151,696…

…but only $25,556 went toward principal.

That’s just 16.8%.

Mortgage math can be brutal — unless you know how to work it.

DM me “MATH” and I’ll show you the breakdown.

personalfinance moneytips mortgagebroker homeownership truerate

03/09/2026

What if $2,000 could help you get $10,000 back at closing? 👀🏡

Here’s the strategy:

On a $400K home, 20% down = $80K.

But if the seller is willing to give you $10K in concessions, you may be able to structure the offer higher and use that $10K toward closing costs, prepaid expenses, or even a temporary rate buydown.

And your added down payment? Roughly $2,000 more.

That’s why I keep saying: don’t just negotiate the price. Negotiate the structure.

The smartest offer isn’t always the lowest offer.

Save this one. Send it to somebody buying a house right now.

Seller concessions, appraisal requirements, loan limits and allowable uses vary by loan program and transaction. This is a simplified example, not a guarantee of savings or approval.

03/09/2026

🏡👊🏼🤓HOME BUYERS — REMEMBER THIS NUMBER.

$10,000.

When 30-year mortgage rates are somewhere in the 6s, every additional $10,000 you borrow is roughly $60-something a month in principal and interest.

So, roughly:

$20,000 more = $120-something/month
$50,000 more = $300-something/month
$100,000 more = $600-something/month

Why does this matter?

Because buyers see a house that’s $50,000 more and immediately think:

“Nope. Too expensive.”

Maybe it is.

But don’t make the decision based on the big scary number.

Break it down to the monthly payment and ask:

Is this house worth another $300-something a month to me?

Maybe yes.

Maybe absolutely not.

But at least now you know what you’re really deciding.

I’m not telling you to spend more.

I’m telling you to understand what “more house” actually costs.

Save this one. You’ll use it.

Quick math only: Based on a 30-year fixed mortgage with a rate in the 6% range. Principal and interest only. Actual payment will vary by rate, loan amount, term and loan program. Taxes, insurance, mortgage insurance, HOA dues and other costs are not included.

HomeBuyer HouseHunting MortgageMath TrueRateMortgage

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