# Ryder Mortgage Group

## Pages

- [Home](http://www.rydermortgagegroup.com/)
- [Mortgage Calculators](http://www.rydermortgagegroup.com/mortgage-calculators)
- [Home Purchase](http://www.rydermortgagegroup.com/home-purchase)
- [FAQ](http://www.rydermortgagegroup.com/faq)
- [Select Loan Officer](http://www.rydermortgagegroup.com/select-loan-officer)
- [About Us](http://www.rydermortgagegroup.com/about-us)
- [Mortgage Basics - Closing Costs](http://www.rydermortgagegroup.com/mortgage-basics/closing-costs)
- [Mortgage Basics - Refinance](http://www.rydermortgagegroup.com/mortgage-basics/refinance)
- [Mortgage Basics - Foreclosure](http://www.rydermortgagegroup.com/mortgage-basics/foreclosure)
- [Mortgage Basics - Application Checklist](http://www.rydermortgagegroup.com/mortgage-basics/application-checklist)
- [Mortgage Basics - Appraisals](http://www.rydermortgagegroup.com/mortgage-basics/appraisals)
- [Mortgage Basics - Credit](http://www.rydermortgagegroup.com/mortgage-basics/credit)
- [Mortgage Basics - Private Mortgage Insurance](http://www.rydermortgagegroup.com/mortgage-basics/private-mortgage-insurance)
- [Mortgage Basics - Glossary](http://www.rydermortgagegroup.com/mortgage-basics/glossary)
- [Online Forms](http://www.rydermortgagegroup.com/online-forms)
- [Loan Process](http://www.rydermortgagegroup.com/loan-process)
- [Download Your Ebook](http://www.rydermortgagegroup.com/download-your-ebook)
- [Loan Programs - Fixed Rate Mortgage](http://www.rydermortgagegroup.com/loan-programs/fixed-rate-mortgage)
- [Loan Programs - Graduated Payment Mortgage](http://www.rydermortgagegroup.com/loan-programs/graduated-payment-mortgage)
- [Loan Programs - Jumbo Loans](http://www.rydermortgagegroup.com/loan-programs/jumbo-loans)
- [Loan Programs - FHA Loans](http://www.rydermortgagegroup.com/loan-programs/fha-loans)
- [Loan Programs - Adjustable Rate Mortgage](http://www.rydermortgagegroup.com/loan-programs/adjustable-rate-mortgage)
- [Loan Programs - Conventional Loans](http://www.rydermortgagegroup.com/loan-programs/conventional-loans)
- [Loan Programs - VA Loans](http://www.rydermortgagegroup.com/loan-programs/va-loans)
- [Loan Programs - Interest Only Mortgage](http://www.rydermortgagegroup.com/loan-programs/interest-only-mortgage)
- [Loan Programs - Usda Loans](http://www.rydermortgagegroup.com/loan-programs/usda-loans)
- [Accessibility Statement](http://www.rydermortgagegroup.com/accessibility-statement)
- [Testimonials](http://www.rydermortgagegroup.com/testimonials)
- [Review Us](http://www.rydermortgagegroup.com/review-us)
- [Thank You](http://www.rydermortgagegroup.com/thank-you)
- [Home Refinance](http://www.rydermortgagegroup.com/home-refinance)
- [Loan Programs](http://www.rydermortgagegroup.com/loan-programs)
- [Legal](http://www.rydermortgagegroup.com/legal)
- [Privacy Policy](http://www.rydermortgagegroup.com/privacy-policy)
- [Mortgage Basics](http://www.rydermortgagegroup.com/mortgage-basics)
- [Contact Us](http://www.rydermortgagegroup.com/contact-us)
- [Pre Qualify](http://www.rydermortgagegroup.com/pre-qualify)
- [When is the Juice Worth the Squeeze on a Refinance](http://www.rydermortgagegroup.com/when-is-the-juice-worth-the-squeeze-on-a-refinance)
- [2026 Portland Oregon Housing Market Forecast](http://www.rydermortgagegroup.com/2026-housing-market-forecast-portland-oregon)
- [2026 Portland Oregon Housing Forecast](http://www.rydermortgagegroup.com/2026-portland-oregon-housing)
- [Employment](http://www.rydermortgagegroup.com/employment)
- [Example](http://www.rydermortgagegroup.com/example)
- [The Good and the Bad in Bad News for Mortgage Rates](http://www.rydermortgagegroup.com/the-good-and-the-bad-in-bad-news)
- [portland-buyers-market-2025](http://www.rydermortgagegroup.com/portland-buyers-market-2025)
- [2025 Housing Slump](http://www.rydermortgagegroup.com/2025-housing-slump)
- [Test Blog Page](http://www.rydermortgagegroup.com/test-blog-page)

## Blog Posts

- [A Super El Niño… For Mortgage Rates?](http://www.rydermortgagegroup.com/blog/a-super-el-nino-for-mortgage-rates.md): Weather forecasters are sounding the alarm about a potentially historic El Niño developing this winter. NOAA currently says there is a greater than 90% chance it becomes a “very strong” event, with some models suggesting it could rival the strongest El Niños on record.
Which naturally got me thinking about… mortgage rates.
- [People Placing Bets on Mortgage Rates May Know Something that the Industry Doesn't](http://www.rydermortgagegroup.com/blog/people-placing-bets-on-mortgage-rates-may-know-something-that-the-industry-doesnt.md): Polymarket and Kalshi might have something to say about the housing market and mortgage rates.  I'm starting to listen.
- [A River Runs Through It: Portland's Housing Market Is Splitting](http://www.rydermortgagegroup.com/blog/a-river-runs-through-it-portlands-housing-market-is-splitting.md): For years, the rule was simple: west side = higher demand, faster appreciation, stronger pricing. East side = affordability play. But 2026 RMLS data is starting to blur that line.  I dug into the numbers, and a clear shift is emerging in buyer behavior across the metro.
- [Kevin Warsh Is In... What that Means (or Doesn't Mean) for Mortgage Rates](http://www.rydermortgagegroup.com/blog/kevin-warsh-is-in-what-that-means-or-doesnt-mean-for-mortgage-rates.md): With Powell out, and Warsh in - a lot seemingly is falling on his shoulders.  Why that might not matter to mortgage rates...
- [Condo Association HOA Rules Just Got Updated.  Trust Me, it Matters...](http://www.rydermortgagegroup.com/blog/condo-association-hoa-rules-just-got-updated-trust-me-it-matters.md): Fannie Mae and Freddie Mac just updated their financing rules on Condo Associations.  It's very real that your condo that DID qualify for conventional financing may not when you go to refinance or sell...
- [Wait, What? Jerome Powell May Not Leave in May? And Why Everything Feels Like a Dilbert Comic Strip Right Now.](http://www.rydermortgagegroup.com/blog/wait-what-jerome-powell-may-not-leave-in-may-and-why-everything-feels-like-a-dilbert-comic-strip-right-now.md): The Fed, Geopolitics, and Mortgage Rates: The Magic 8 Ball is reporting "Reply hazy, try again later".
- [When Bombs Drop in Iran, Mortgage Rates Rise in the United States](http://www.rydermortgagegroup.com/blog/when-bombs-drop-in-iran-mortgage-rates-rise-in-the-united-states.md): From 1970s gas lines to COVID toilet paper panic — here’s why mortgage rates jumped this week!
- [The Fed Is Changing Guards — and Your Future Mortgage Rate Is About to Feel It](http://www.rydermortgagegroup.com/blog/the-fed-is-changing-guards-and-your-future-mortgage-rate-is-about-to-feel-it.md): Dig in, in this 4 minute read and learn why Kevin Warsh might be influencing your future mortgage rate as Trump's pick to lead the Federal Reserve Board
- [Affordability in Focus](http://www.rydermortgagegroup.com/blog/housing-affordability-in-focus.md): Why Higher Loan Limits Help & Why 50-Year Mortgages Probably Won’t
- [Looking for Something to Calm Your Summer?  How About Opting Out?](http://www.rydermortgagegroup.com/blog/looking-for-something-to-calm-your-summer-how-about-opting-out.md): Did you know the moment you apply for a mortgage, the credit bureaus can legally sell your personal info to dozens of other lenders? It’s called a trigger lead — and it’s why your phone explodes with spam calls within hours.

The good news? Congress is this close to shutting it down for good. The bad news? The House and Senate can’t agree on how — and they’re about to fumble the whole thing.

In this week’s article, I break down what’s happening, why it matters, and how you can take five minutes to stop the madness (and save your future self a summer full of spam).
- [What AI Said Would Happen to the Housing Market if Rates Suddenly Dropped to 5%](http://www.rydermortgagegroup.com/blog/what-ai-said-would-happen-to-the-housing-market-if-rates-suddenly-dropped-to-5.md): Artificial Intellegence predicts the future of the housing market if rates droppped.
- [Trump's Tariffs, Souffles and Mortgage Rates](http://www.rydermortgagegroup.com/blog/trumps-tariffs-souffles-and-mortgage-rates.md): Tariffs and Mortgage Rates
- [Big Tarrifs, but Mortgage Rates are Falling?  Why?](http://www.rydermortgagegroup.com/blog/big-tarrifs-but-mortgage-rates-are-falling-why.md): tariffs, mortgage rates
- [Thoughts on the LA Fires and Home Insurance](http://www.rydermortgagegroup.com/blog/thoughts-on-the-la-fires-and-home-insurance.md): Fire Insurance, LA Fires, Gauranteed Replaacement Cost
- [2024 Portland, OR Metro Housing Market Year in Review + 2025 Forecast](http://www.rydermortgagegroup.com/blog/2024-portland-or-metro-housing-market-year-in-review-2025-forecast.md): 2024 Portland Metro, OR Housing Market Year in Review
- [2025 Portland Oregon Housing Forecast](http://www.rydermortgagegroup.com/blog/2025-portland-oregon-housing-forecast.md): 2025 Portland Oregon Housing Forecast
- [A Non-Party Affiliated review of Trump’s Return: A Market and Economic Overview for the Mortgage and Real Estate Industry](http://www.rydermortgagegroup.com/blog/trumps-return-a-market-and-economic-overview-for-the-mortgage-and-real-estate-industry.md): Trump’s Return: A Market and Economic Overview for the Mortgage and Real Estate Industry
- [Why Aren't Mortgage Rates Falling?](http://www.rydermortgagegroup.com/blog/why-arent-mortgage-rates-falling.md): Mortgage Rates and the Federal Reserve
- [What if Jerome Powell Doesn't Lower the Federal Funds Rate in September?](http://www.rydermortgagegroup.com/blog/what-if-jerome-powell-doesnt-lower-the-federal-funds-rate-in-september.md): September 2024 FOMC Meeting
- [5 Reasons Buying a Home Now – Makes Mathematical sense, and yes, yes, I know that Rates are Expected to Come Down!](http://www.rydermortgagegroup.com/blog/5-reasons-buying-a-home-now-makes-mathematical-sense-and-yes-yes-i-know-that-rates-are-expected-to-come-down.md): Mortgage Math
- [I'm Buying a House.  Now What Do I Do?](http://www.rydermortgagegroup.com/blog/im-buying-a-house-now-what-do-i-do.md): Home Buying Process
- [Will the Election Affect Mortgage Rates?](http://www.rydermortgagegroup.com/blog/will-the-election-affect-mortgage-rates.md): Will the Election Affect Mortgage Rates
- [The Housing Bubble Popped, and You Missed It](http://www.rydermortgagegroup.com/blog/the-housing-bubble-popped-and-you-missed-it.md): 2024 Housing Bubble
- [What is the Point to Paying Points?](http://www.rydermortgagegroup.com/blog/what-is-the-point-to-paying-points.md): Is Paying Points Worth it?
- [How the Heck do Homebuilders Have Those New Lower Rates?](http://www.rydermortgagegroup.com/blog/how-the-heck-do-homebuilders-have-those-new-lower-rates.md): New Construction Mortgage Rates
- [Why are Mortgage Credit Scores Different Than What I see when I Pull It?](http://www.rydermortgagegroup.com/blog/why-are-mortgage-credit-scores-different-than-what-i-see-when-i-pull-it.md): Mortgage Credit Score Calculations
- [2024 CalHFA Dreams for All Down Payment Assistance Program Update](http://www.rydermortgagegroup.com/blog/2024-calhfa-dreams-for-all-down-payment-assistance-program-update.md): Update on the 2024 CalHFA Dreams for All Down Payment Assistance
- [Where are Mortgage Rates Going?  It depends on how "soft" this landing is or isn't.](http://www.rydermortgagegroup.com/blog/where-are-mortgage-rates-going-it-depends-on-how-soft-this-landing-is-or-isnt.md): Recession is coming an the Federal Reserve is not looking at underemployment levels
- [Have Mortgage Rates Peaked?  Doves and Hawks will give you Different Answers](http://www.rydermortgagegroup.com/blog/have-mortgage-rates-peaked-doves-and-hawks-will-give-you-different-answers.md): Doves and Hawks in the Federal Reserve FOMC
- [2023 Fall Mortgage and Home Price Forecast](http://www.rydermortgagegroup.com/blog/2023-fall-mortgage-and-home-price-forecast.md): Mortgage Rate Forecast
- [2-1 Buydowns, a Magic Bullet or is there a Downside?](http://www.rydermortgagegroup.com/blog/2-1-buydowns-a-magic-bullet-or-is-there-a-downside.md): 2-1 Buydown definition
- [How are Investors Getting a Rate of Return in This Uncertain Housing Market?](http://www.rydermortgagegroup.com/blog/how-are-investors-getting-a-rate-of-return-in-this-uncertain-housing-market.md): Investment Housing
- [Ding Dong, is the Witch Dead? The Federal Reserve Predicts No Looming Recession. But Why isn’t There Celebration?](http://www.rydermortgagegroup.com/blog/ding-dong-is-the-witch-dead-the-federal-reserve-predicts-no-looming-recession-but-why-isnt-there-celebration.md): Powell's economic forecast
- [Why Isn't the Housing Market Behaving the Way We Thought It Should?](http://www.rydermortgagegroup.com/blog/why-isnt-the-housing-market-behaving-the-way-we-thought-it-should.md): Interest Rates and Home Prices