Simply Scones

09/19/2026

Mortgage rates aren’t random. They’re affected by 2 numbers.

The 10-year treasury yield and something called "the spread." That's the gap between the 10-year treasury yield and mortgage rates, and it usually sits around 1.76 percentage points.

Back in 2023, the gap in the spread ballooned up to 3.19 in response to economic uncertainty. If it were still that wide today, rates would be pushing almost 8%.

But the good news is the gap has narrowed to 2.01 (a lot closer to the long-term norm). And that’s a big positive for rates. It’s why today’s mortgage rate is in the upper 6s instead of touching 8%.

Here's the part a lot of people miss. Where rates are right now are already pretty close to what a totally normal spread would produce – a mortgage rate around 6.5%.

In other words, the fact that the spread has narrowed in recent years has helped mortgage rates. Sure, they’re still higher than you may want, but it could be worse.

Wondering if buying now still makes sense...

09/17/2026

Everyone's been watching mortgage rates. But there's another trend buyers shouldn't overlook...

Every fall, the housing market tends to shift.

More homes hit the market. Asking prices often soften. And sellers are usually more willing to negotiate.

Those seasonal changes happen almost every year – and they can make buying a little easier.

Let's talk about whether those same trends are showing up in our local market – and what it means for you.

09/16/2026

Still waiting for mortgage rates and home prices to come down? Here’s what the forecasts shows. Expect more of the same. Rates likely won’t change much – and prices will likely rise. Sometimes the best move isn't waiting for the market to change. It's finding out what's still possible right now. Let’s talk it over.

08/31/2026

The date is getting closer, Oct 4th!

Cancer Champions supports members & their care teams with personalized wellness programs based on individual needs & goals through fitness, nutrition and mindset, uplifting & empowering the cancer community – because no one should have to face cancer alone.

I encourage you all to get involved, however appropriate for you, join the walk, run, roll event in-person or virtually or donate to the cause. Join my team

Learn more about Cancer Champions @ www.cancerchampions.org.

08/13/2026

For the past two years, Windermere Signature Properties has proudly served as the Champion Sponsor of the Cancer Champions Walk-Run-Roll, helping raise nearly $50,000 as a team to support family, friends, peers, colleagues and clients facing cancer.

Team Windermere Real Estate is proud once again to walk, run, and roll on October 4, 2026, in honor of those we love and in support of our community. Every registration, every donation, and every step helps provide hope and life-changing resources to those facing cancer.

Together, let's make an even greater impact.
💙 Windermere Strong. Community Strong.

Register or Donate Today: https://raceroster.com/events/2026/119426/cancer-champions-walk-run-roll/pledge/participant/47304929

08/03/2026

Cancer has touched so many of our lives, which is why supporting Cancer Champions means so much to me.

If you'd like to help, please consider donating to Team Windermere Real Estate or one of our team members. Every contribution helps provide life-changing fitness, nutrition, mindset, and community programs for individuals and families facing cancer.

Together, we've raised nearly $50,000 over the past two years. Let's keep making a difference—every dollar brings hope. 💙

Thank you for your support!


https://raceroster.com/.../pledge/participant/47304929

10/09/2025

Join me at The Murer House this weekend for our Fall Boutique! 🍂

✨ Saturday, 10/11, 10 AM - 3 PM
✨ 1125 Joe Murer Ct., Folsom

Pick up your favorite scones and check out other wonderful local vendors. Plus the pizza oven will be hot so come hungry! 🍕

08/09/2025

We’re back!! 🎉 Pop-Up Shop | Aug. 9, 10am - 12pm

Everything you’ve been waiting for will be waiting for you at hoshalls tomorrow (Saturday) 10am - 12pm! Stop by for a scone or two (or more) & visit with us. We’ve missed you!

05/20/2025