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Market Updates

Sign up to receive key insights from Damon Germanides, co-founder of Insignia Mortgage and one of the nation’s top mortgage originators.

AI, Interest Rates, and the Future of Mortgage Lending: Key Insights from the MPA Broker Intel Panel

The mortgage industry continues to evolve rapidly in 2026. From advances in artificial intelligence to…

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March 6, 2026
Mortgage Broker Outlook for 2026: AI, Affordability, and Why “Honest Advice + Fast Execution” Wins

Key takeaways from MPA TV’s Broker Intel discussion featuring Insignia Mortgage co-founder Damon Germanides The…

Insignia Mortgage

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February 11, 2026
Market Commentary 09/19/2025

As expected, the Fed lowered rates by 0.25% this week — a move well broadcast…

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September 19, 2025
Market Commentary 09/05/2025

A softer-than-expected August Jobs Report pushed equity prices and bond yields lower last week. While…

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September 5, 2025
Market Commentary 08/15/25

Mortgage Rates Ease As Fed Weighs Rate Cut This week kicked off with better-than-expected consumer…

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August 15, 2025
Market Commentary 08/01/2025

Market Rally Hits A Speed Bump Markets rallied through Thursday this week. Financial conditions felt…

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August 1, 2025

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(1) Disclosures
(1) No Tax Return loans and foreign national loan products require other forms of income documentation and asset verification in lieu of tax returns. Not all applicants will qualify. Some products we oﬀer may have a higher interest rate, more points or more fees than other products requiring more extensive or different documentation. (2) Minimum FICO, reserve, and other requirements apply. Contact your loan officer for additional program guidelines, restrictions, and eligibility requirements. Rates, points, APRs and programs are subject to change without notice. Loan to values (LTV) are based on appraised value. Actual closing times will vary based on borrower qualiﬁcations and loan terms. All loans are subject to credit approval. (3) With an interest-only mortgage payment, you will not pay down the loan’s principal balance during the interest-only period. Once the interest-only period ends, your payments will increase to pay back the principal and interest. Rates are subject to increase over the life of the loan. Contact your Insignia Mortgage, Inc. loan officer to determine what your payments might be once the interest-only period ends. (4) With an adjustable rate mortgage (ARM), once the fixed rate period ends, the loan payment will adjust after an initial period and then adjust on a regular basis as set forth in the loan documents. For example, a “3/1” loan will have an interest adjustment 3 years after the loan closes and every 12 months thereafter. Also, the loan will be subject to annual and lifetime adjustment caps. Contact your Insignia Mortgage loan officer to determine what your payments might be once the fixed rate period of the loan ends. (5) Insignia Mortgage, Inc. is a licensed real estate and mortgage broker, DRE #01969620, NMLS #1277691, and is licensed to conduct mortgage brokerage activities in California, Florida (MBR6094), Tennessee (NMLS #1277691), and Texas (NMLS #1277691).

(2) Disclosures
(1) Minimum FICO, reserve, and other requirements apply. Contact your loan officer for additional program guidelines, restrictions, and eligibility requirements. Rates, points, APRs and programs are subject to change without notice. Actual closing times will vary based on borrower qualiﬁcations and loan terms. All loans are subject to credit approval. (2) “Loan to Cost” (LTC) is defined as the acquisition price of the property plus the cost to build as determined by a bank appraisal. Contact your loan officer for additional program guidelines, restrictions, and eligibility requirements. (3) With an interest-only mortgage payment, you will not pay down the loan’s principal balance during the interest-only period. Once the interest-only period ends, your payments will increase to pay back the principal and interest. Rates are subject to increase over the life of the loan. Contact your Insignia Mortgage, Inc. loan officer to determine what your payments might be once the interest-only period ends. (4) With an adjustable rate mortgage (ARM), the loan payment will adjust after an initial period and then adjust on a regular basis as set forth in the loan documents. For example, a “3/1” loan will have an interest adjustment 3 years after the loan closes and every 12 months thereafter. Also, the loan will be subject to annual and lifetime adjustment caps. Contact your Insignia Mortgage loan officer to determine what your payments might be once the fixed rate period of the loan ends. (5) Insignia Mortgage, Inc. is a licensed real estate and mortgage broker, DRE #01969620, NMLS #1277691, and is licensed to conduct mortgage brokerage activities in California, Florida (MBR6094), Tennessee (NMLS #1277691), and Texas (NMLS #1277691).

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