Reliance Financial

𝗔 𝗹𝗼𝘄𝗲𝗿 𝘀𝘁𝗮𝗿𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲 𝗰𝗮𝗻 𝗺𝗲𝗮𝗻 𝗮 𝗹𝗼𝘄𝗲𝗿 𝗽𝗮𝘆𝗺𝗲𝗻𝘁. 𝗕𝘂𝘁 𝘄𝗵𝗮𝘁’𝘀 𝘁𝗵𝗲 𝘁𝗿𝗮𝗱𝗲-𝗼𝗳𝗳?

Mortgage News Daily’s October 5 index:
30-year fixed: 7.61%
7/6 ARM: 6.87%

On a hypothetical $500,000 loan with 30-year amortization, that’s approximately $251 less per month in principal and interest during the ARM’s initial fixed period.

But don’t stop at the starting rate.

Before considering an ARM, ask:
• How long will I keep this home or loan?
• When can the rate adjust, and by how much?
• Could I handle a higher payment later?
• How do fees and total costs compare?

𝗗𝗼𝗻’𝘁 𝗷𝘂𝘀𝘁 𝗰𝗼𝗺𝗽𝗮𝗿𝗲 𝗿𝗮𝘁𝗲𝘀. 𝗖𝗼𝗺𝗽𝗮𝗿𝗲 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝗶𝗲𝘀.

At Reliance Financial, we help you compare loan options around your goals, timeline and budget. Let’s find the right strategy for you.

(888) 973-5346
RelianceFinancial.com
NMLS ID 309198 | Equal Housing Opportunity

Illustration only; not a rate quote. Source: MND index, October 5, 2026. Payments assume a $500,000 loan with 30-year amortization and exclude taxes, insurance, mortgage insurance and fees. Actual rates, payments and eligibility vary. ARM rates and payments may increase after the initial fixed period.

𝗕𝗮𝗱 𝗷𝗼𝗯𝘀 𝗻𝗲𝘄𝘀 𝘂𝘀𝘂𝗮𝗹𝗹𝘆 𝗺𝗲𝗮𝗻𝘀 𝗹𝗼𝘄𝗲𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗿𝗮𝘁𝗲𝘀. 𝗡𝗼𝘁 𝘁𝗵𝗶𝘀 𝘁𝗶𝗺𝗲. 📈

September added just 29,000 jobs and unemployment rose to 4.2%. Rates climbed anyway, with the 30-year fixed reaching 7.28%.

Why? A global bond selloff pushed longer-term Treasury yields to multi-year highs, keeping pressure on mortgage rates.

𝗕𝘂𝘁 𝗵𝗲𝗿𝗲’𝘀 𝘄𝗵𝗮𝘁 𝗵𝗼𝗺𝗲𝗯𝘂𝘆𝗲𝗿𝘀 𝘀𝗵𝗼𝘂𝗹𝗱𝗻’𝘁 𝗺𝗶𝘀𝘀:

𝗕𝘂𝘆𝗲𝗿𝘀 𝗵𝗮𝘃𝗲 𝗹𝗲𝘃𝗲𝗿𝗮𝗴𝗲 𝗮𝗴𝗮𝗶𝗻. 🏡

Recent Redfin data showed 46% of U.S. home sales included seller concessions. That can mean room to negotiate:

✓ Purchase price
✓ Seller credits toward closing costs
✓ Temporary rate buydowns

𝗧𝗵𝗲 𝗯𝗲𝘀𝘁 𝗱𝗲𝗮𝗹 𝗶𝘀𝗻’𝘁 𝗮𝗹𝘄𝗮𝘆𝘀 𝘁𝗵𝗲 𝗹𝗼𝘄𝗲𝘀𝘁 𝗿𝗮𝘁𝗲. 𝗜𝘁’𝘀 𝘁𝗵𝗲 𝗯𝗲𝘀𝘁 𝗼𝘃𝗲𝗿𝗮𝗹𝗹 𝘀𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲.

Before deciding to wait for rates, find out what today’s market could actually look like for you.

📲 𝗪𝗮𝗻𝘁 𝘁𝗼 𝗿𝘂𝗻 𝘁𝗵𝗲 𝗻𝘂𝗺𝗯𝗲𝗿𝘀?
Message us or visit RelianceFinancial.com.

𝗥𝗲𝗹𝗶𝗮𝗻𝗰𝗲 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹
Powering Homeownership. 🏡

NMLS ID 309198 | Equal Housing Opportunity

📉 𝗠𝗢𝗥𝗧𝗚𝗔𝗚𝗘 𝗥𝗔𝗧𝗘𝗦 𝗨𝗣𝗗𝗔𝗧𝗘 - Monday, October 5, 2026

Homebuyers & Homeowners! Mortgage rates are slightly higher today. According to Mortgage News Daily, the national average 30-year fixed rate is 7.51%.

💡 At Reliance Financial, we’re offering rates below the national average. Whether you're purchasing or refinancing, our competitive rates could save you thousands over the term of your mortgage.

✅ Compare. Save. Close fast.
📞 Call (888) 9-RELFIN
🌐 Visit www.RelianceFinancial.com

🏡 Why Choose Reliance Financial?
• Consistently lower rates
• Fast, transparent closings
• Expert guidance for every step of your homeownership journey

Rate Assumptions: 740+ credit score, $400K+ conforming loan or $850K+ high-balance loan, 60% or lower Loan-To-Value (LTV).

𝗣𝗮𝘆𝗶𝗻𝗴 𝟮𝟬%+ 𝗼𝗻 𝗰𝗿𝗲𝗱𝗶𝘁 𝗰𝗮𝗿𝗱𝘀? Your home equity may offer another option. 🏡

U.S. credit card balances remain near historic highs, while homeowners are sitting on trillions in tappable equity.

But here’s the key: if you already have a low mortgage rate, you may not want to give it up just to access cash.

Depending on your situation, it may be worth comparing:

✓ HELOC
✓ Fixed Second Mortgage
✓ Cash-Out Refinance

And timing matters. Home values are softening in some markets, which can affect how much equity you may be able to access.

𝗧𝗵𝗲 𝗴𝗼𝗮𝗹 𝗶𝘀𝗻’𝘁 𝗷𝘂𝘀𝘁 𝘁𝗼 𝗯𝗼𝗿𝗿𝗼𝘄. 𝗜𝘁’𝘀 𝘁𝗼 𝗯𝗼𝗿𝗿𝗼𝘄 𝘀𝗺𝗮𝗿𝘁𝗲𝗿.

Want to see how the options compare for your home? We’ll run the numbers side-by-side.

📞 (888) 973-5346
✉️ [email protected]
Financial | Powering Homeownership
NMLS ID 309198 | Equal Housing Opportunity

PersonalFinance

𝗪𝗲𝗮𝗸 𝗷𝗼𝗯𝘀 𝗱𝗮𝘁𝗮 𝗺𝗼𝘃𝗲𝗱 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗿𝗮𝘁𝗲𝘀 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝗹𝗼𝘄𝗲𝗿 𝘁𝗼𝗱𝗮𝘆. 𝗦𝗼 𝘄𝗵𝘆 𝗮𝗿𝗲𝗻’𝘁 𝗿𝗮𝘁𝗲𝘀 𝗳𝗮𝗹𝗹𝗶𝗻𝗴 𝗺𝗼𝗿𝗲?

September payrolls increased by just 29,000, while unemployment rose to 4.2%.

The initial market reaction was what you might expect: Treasury yields moved lower as investors reduced expectations for another Fed rate hike.

𝗕𝘂𝘁 𝘁𝗵𝗮𝘁 𝗺𝗼𝘃𝗲 𝗱𝗶𝗱𝗻’𝘁 𝗵𝗼𝗹𝗱.

The 10-year Treasury reversed higher as markets turned their attention back to the bigger forces still putting pressure on long-term rates:

→ Inflation remains above the Fed’s target
→ Heavy government borrowing and Treasury supply
→ Elevated global bond yields
→ Energy prices and geopolitical uncertainty

Mortgage rates still received some relief. Mortgage News Daily’s 30-year fixed index moved to 7.49% today, down from 7.54% yesterday.

𝗢𝗻𝗲 𝗲𝗰𝗼𝗻𝗼𝗺𝗶𝗰 𝗿𝗲𝗽𝗼𝗿𝘁 𝗰𝗮𝗻 𝗺𝗼𝘃𝗲 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗿𝗮𝘁𝗲𝘀. 𝗧𝗵𝗲 𝗯𝗶𝗴𝗴𝗲𝗿 𝗽𝗶𝗰𝘁𝘂𝗿𝗲 𝗱𝗲𝘁𝗲𝗿𝗺𝗶𝗻𝗲𝘀 𝘄𝗵𝗲𝘁𝗵𝗲𝗿 𝘁𝗵𝗮𝘁 𝗺𝗼𝘃𝗲 𝗹𝗮𝘀𝘁𝘀.

For buyers and homeowners, that’s why watching only the Fed, or only one economic report, rarely tells the whole story.

At .Financial, we watch the markets behind the mortgage rate so our clients can make better-informed financing decisions.

Mortgage News Daily figures are national market indices and are not a Reliance Financial rate quote. Market data as of October 2, 2026.

NMLS ID 309198 | Equal Housing Opportunity

𝗜𝗻𝗳𝗹𝗮𝘁𝗶𝗼𝗻 𝗰𝗼𝗼𝗹𝗲𝗱. 𝗙𝗲𝗱 𝗵𝗶𝗸𝗲 𝗲𝘅𝗽𝗲𝗰𝘁𝗮𝘁𝗶𝗼𝗻𝘀 𝗳𝗲𝗹𝗹. 𝗔𝗻𝗱 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗿𝗮𝘁𝗲𝘀 𝘀𝘁𝗶𝗹𝗹 𝘄𝗲𝗻𝘁 𝘂𝗽.

How can all three happen at the same time?

The answer is in the bond market.

The latest Core PCE inflation reading, released September 30 for August, came in at 3.0% year over year, below the 3.3% expected.

Yet the 10-year Treasury ended September near 5.30%, and Mortgage News Daily’s (MND) 30-year mortgage rate index reached 7.60% on September 30.

Here’s the important part:

The Federal Reserve influences mortgage rates, but it does not directly set them.

Mortgage rates are heavily influenced by longer-term Treasury yields and the mortgage-backed securities (MBS) market. Those markets are constantly pricing expectations for inflation, economic growth, government borrowing, energy prices and future interest rates.

That’s how we can have:

𝗜𝗻𝗳𝗹𝗮𝘁𝗶𝗼𝗻 ↓
𝗙𝗲𝗱 𝗵𝗶𝗸𝗲 𝗲𝘅𝗽𝗲𝗰𝘁𝗮𝘁𝗶𝗼𝗻𝘀 ↓
𝟭𝟬-𝘆𝗲𝗮𝗿 𝗧𝗿𝗲𝗮𝘀𝘂𝗿𝘆 ↑
𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗿𝗮𝘁𝗲𝘀 ↑

𝗧𝗵𝗲 𝗙𝗲𝗱 𝗺𝗮𝘁𝘁𝗲𝗿𝘀. 𝗕𝘂𝘁 𝘄𝗮𝘁𝗰𝗵𝗶𝗻𝗴 𝘁𝗵𝗲 𝗙𝗲𝗱 𝗮𝗹𝗼𝗻𝗲 𝘄𝗼𝗻’𝘁 𝘁𝗲𝗹𝗹 𝘆𝗼𝘂 𝘄𝗵𝗲𝗿𝗲 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗿𝗮𝘁𝗲𝘀 𝗮𝗿𝗲 𝗵𝗲𝗮𝗱𝗲𝗱.

At Reliance Financial®, we believe better mortgage decisions start with understanding not just the rate, but what is driving it.

Powering Homeownership.

Market data as of September 30, 2026. MND figures are market indices and are not a Reliance Financial rate quote.

NMLS ID 309198 | Equal Housing Opportunity

📉 𝗠𝗢𝗥𝗧𝗚𝗔𝗚𝗘 𝗥𝗔𝗧𝗘𝗦 𝗨𝗣𝗗𝗔𝗧𝗘 - Wednesday, September 30, 2026

Homebuyers & Homeowners! Mortgage rates are slightly higher today. According to Mortgage News Daily, the national average 30-year fixed rate is 7.60%.

💡 At Reliance Financial, we’re offering rates below the national average. Whether you're purchasing or refinancing, our competitive rates could save you thousands over the term of your mortgage.

✅ Compare. Save. Close fast.
📞 Call (888) 9-RELFIN
🌐 Visit www.RelianceFinancial.com

🏡 Why Choose Reliance Financial?
• Consistently lower rates
• Fast, transparent closings
• Expert guidance for every step of your homeownership journey

Rate Assumptions: 740+ credit score, $400K+ conforming loan or $850K+ high-balance loan, 60% or lower Loan-To-Value (LTV).

𝗡𝗲𝗲𝗱 𝗰𝗮𝘀𝗵? 𝗬𝗼𝘂𝗿 𝗳𝗶𝗿𝘀𝘁 𝗺𝗼𝘃𝗲 𝗱𝗼𝗲𝘀 𝗻𝗼𝘁 𝗮𝗹𝘄𝗮𝘆𝘀 𝗵𝗮𝘃𝗲 𝘁𝗼 𝗯𝗲 𝗿𝗲𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴 𝘆𝗼𝘂𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲.

If you already have a great first-mortgage rate, replacing the entire loan just to access equity may not always be the right answer.

Depending on your goals, a HELOC or home equity loan may allow you to access the cash you need while keeping your existing first mortgage in place.

That can be especially worth exploring if you are looking to:

• Renovate your home
• Consolidate higher-interest debt
• Cover a major expense
• Invest in another opportunity
• Create additional financial flexibility

The important question is not simply, “Which option has the lowest rate?”

𝗜𝘁’𝘀: “𝗪𝗵𝗶𝗰𝗵 𝗼𝗽𝘁𝗶𝗼𝗻 𝗴𝗶𝘃𝗲𝘀 𝗺𝗲 𝘁𝗵𝗲 𝗯𝗲𝘀𝘁 𝗼𝘃𝗲𝗿𝗮𝗹𝗹 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗼𝘂𝘁𝗰𝗼𝗺𝗲?”

That means comparing the payment, total borrowing cost, flexibility, fees, and how much of your existing mortgage you are replacing.

Every homeowner’s situation is different. Sometimes a refinance makes sense. Sometimes preserving your first mortgage and financing only the amount you need can be the better structure.

𝗕𝗲𝗳𝗼𝗿𝗲 𝘆𝗼𝘂 𝗿𝗲𝗳𝗶𝗻𝗮𝗻𝗰𝗲, 𝗰𝗼𝗺𝗽𝗮𝗿𝗲 𝘆𝗼𝘂𝗿 𝗼𝗽𝘁𝗶𝗼𝗻𝘀.

If you are thinking about tapping into your home equity, send us a message. We’d be happy to help you run the numbers and understand your choices.
Financial
Powering Homeownership

Equal Housing Opportunity | Company NMLS 309198

𝗧𝗵𝗲 𝗰𝗿𝗲𝗱𝗶𝘁 𝘀𝗰𝗼𝗿𝗲 𝘂𝘀𝗲𝗱 𝗳𝗼𝗿 𝘆𝗼𝘂𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗺𝗮𝘆 𝗻𝗼𝘁 𝗯𝗲 𝘁𝗵𝗲 𝗼𝗻𝗲 𝘆𝗼𝘂 𝗲𝘅𝗽𝗲𝗰𝘁. 👀

For years, homebuyers have largely associated mortgage qualification with FICO® scores. Now, VantageScore® 4.0 is expanding into mortgage lending, creating another scoring option for certain loans.

Why does that matter?

𝗗𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁 𝗰𝗿𝗲𝗱𝗶𝘁-𝘀𝗰𝗼𝗿𝗶𝗻𝗴 𝗺𝗼𝗱𝗲𝗹𝘀 𝗰𝗮𝗻 𝗲𝘃𝗮𝗹𝘂𝗮𝘁𝗲 𝘁𝗵𝗲 𝘀𝗮𝗺𝗲 𝗯𝗼𝗿𝗿𝗼𝘄𝗲𝗿 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁𝗹𝘆.

Depending on the lender and loan program, that could potentially affect your:

• Credit score used for qualification
• Loan eligibility
• Interest rate or pricing
• Closing costs

And here’s an interesting early data point: Rocket Mortgage reports that among borrowers in its testing who saved money using VantageScore 4.0, the average savings was approximately $1,600 at closing.* Pasted text.txt

But FICO® isn’t disappearing, and not every lender or mortgage program will use the same scoring model.

So don’t just ask: “What’s my credit score?”

𝗔𝗹𝘀𝗼 𝗮𝘀𝗸: “𝗪𝗵𝗶𝗰𝗵 𝗰𝗿𝗲𝗱𝗶𝘁-𝘀𝗰𝗼𝗿𝗶𝗻𝗴 𝗺𝗼𝗱𝗲𝗹 𝗰𝗮𝗻 𝗯𝗲 𝘂𝘀𝗲𝗱 𝗳𝗼𝗿 𝗺𝘆 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲?”

If your credit score has been holding you back from buying or refinancing, your scenario may be worth another look.

𝗖𝗼𝗺𝗺𝗲𝗻𝘁 “𝗖𝗥𝗘𝗗𝗜𝗧” 𝗼𝗿 𝗗𝗠 𝘂𝘀 and let’s take a look at your options.
Financial
NMLS #309198 | Equal Housing Opportunity

*Rocket Mortgage data. Results vary by borrower, lender and loan program.