PILLAR 01↗
People
First.
Best Places to Work, six years running. When you take care of your people, they take care of your customers — and your builder partners.
01
BUILT FOR BUILDERS · SINCE 2004
Financing
Financing
that fuels
your vision.
A mortgage partner purpose-built for builders. Predictable closings, dedicated appraisal rotations, and a builder portal your sales team will actually use.
WEEKLY MARKET BRIEF · WEEK 41
The market this week.
UPDATED 10/02/2026 · 09:00 MST
Sources: Freddie Mac PMMS · MBA · NAHB · FHFA · U.S. Treasury · U.S. DOL
▲ +0.25 WoW
NATIONAL AVG · 30-YR FIXED
7.28%
Conforming 30-year fixed, U.S. weekly average from Freddie Mac PMMS. The headline rate every buyer scenario starts from — and the number your sales floor still leads with, whether or not it deserves to.
LARGEST WEEKLY JUMP OF 2026 · +25 BPS
· HIGHEST SINCE 11/22/2023
Source · Freddie Mac PMMS, week ending 10/01/2026
15-YR FIXED · NAT'L AVG
Conforming 15-year fixed
6.60%
▲ +0.18 WoW
FREDDIE MAC · WK 10/01/26
INITIAL JOBLESS CLAIMS
Weekly, seasonally adjusted
197K
▼ −1K WoW
U.S. DOL · WK 09/26/26
NAHB / WELLS FARGO HMI
Builder confidence · monthly series
32
▼ −3 pts MoM
NAHB · SEPT 2026 RELEASE
10-YEAR TREASURY
Constant maturity yield
5.29%
▲ +0.18 WoW
U.S. TREASURY · 09/30/26
THIS WEEK
The read.
30-YR FIXED · 7.28%
Twenty-five basis points in a single week — the largest weekly jump of 2026, and larger than anything in the series since at least the start of 2024. It is the sixth straight weekly increase and the fifth straight 2026 high, and at 7.28% the rate is the highest since November 2023.
15-YR FIXED · 6.60%
Up eighteen basis points to 6.60%, and the 30/15 spread widened to 68 bps from 61 — the long end took more of the damage this time. A shorter term is no escape from the move: the 15-year has added 81 bps since the first week of July.
MBA PURCHASE APPS ▼ 4% SA
Seasonally adjusted purchase volume fell 4% for the week ending 09/25 and ran 14% below the same week a year ago unadjusted. MBA’s own 30-year contract rate jumped to 7.30%, its highest since November 2023; refinancing fell 9% and ARMs reached 10.3% of applications, the largest share since October 2025. Buyers who can are reaching for the lower initial rate of an ARM.
FHFA HOME PRICES · JULY
The FHFA purchase-only index rose 0.3% in July and is up 2.6% from a year earlier. Prices are still climbing at a modest pace while the rate on the loan that finances them has risen more than half a point since July — affordability is being squeezed from the payment side, not from the price tag, which is why payment-side tools are where a builder’s incentive dollars work hardest.
10-Y TREASURY · 5.29%
The ten-year added eighteen basis points to 5.29% on the Wednesday-to-Wednesday basis — its highest close since at least the start of 2025 — but the 30-year added twenty-five, so the spread widened to 199 bps from 192. This is a pass-through story: mortgages did not just follow the Treasury this week, they moved more than it did.
HFG · BUILDER PLAYBOOK
This week’s play: a 2-1 buydown eases the first two years — the note rate never moves.
5.375%
YEAR-ONE RATE
NOTE RATE STAYS 7.375%
NOTE RATE STAYS 7.375%
$2,239.84
YEAR-ONE P&I
VS $2,762.65 AT PAR
VS $2,762.65 AT PAR
$522.81
SAVED EACH MONTH IN YEAR ONE
$9,480.36 ESCROWED OVER 24 MONTHS
$9,480.36 ESCROWED OVER 24 MONTHS
Par moved to 7.375% after the biggest weekly jump of the year, which is exactly when a temporary buydown earns a place in the conversation. A $414,500 price, 3.5% down ($14,508), a $399,992 FHA loan at 96.4999% LTV — and a $12,435 builder concession funding a 2-1 buydown. The buyer pays 5.375% in year one ($2,239.84) and 6.375% in year two ($2,495.43), then the full 7.375% note rate ($2,762.65). The builder escrows the payment difference — $9,480.36 — at closing. The note rate itself never changes, so the buyer is underwritten at 7.375%, not at the year-one rate. FHA also adds an upfront premium — 1.75% of the base loan, $6,999.86, financed into the balance.
Run the comparison, and be clear about what each one does. That same $12,435 taken off the price, cash down held constant, gives a $402,065 price and a $387,557 loan and saves $85.89 a month. The buydown is far stronger early — $522.81 against $85.89 in month one — but it expires after 24 months and the price cut does not. Over the full 360 payments the price cut saves $30,920 against $9,480, and it overtakes the buydown in month 111. The buydown is a tool for the first two years of ownership; the price cut is a tool for all of them.
Watch the cap. FHA interested-party contributions stop at 6% of sales price — $24,870 here — so $12,435 uses half of it and leaves $12,435 of room. Two things in writing: APR comes with the quote, and annual FHA mortgage insurance at 96.4999% LTV runs for the life of the loan. 48-hour turnaround to spec it for your community.
Illustrative figures for planning an incentive budget — not a rate quote, a rate lock, or a commitment to lend. Full assumptions and disclosures · Disclosures & Methodology
SERVICE COMMITMENT
Six promises. Zero excuses.
PROMISE 01
New-construction appraisal rotation
Curated panel that knows spec homes, options pricing, and forward-dated valuations. Every report reviewed in-house.
PROMISE 02
30-day credit underwriting
Every builder file underwritten within 30 days. No moving target, no asterisks.
PROMISE 03
Docs 5+ days before close
To title at least five business days before COE. Sales team knows the deal is real.
PROMISE 04
Builder portal & co-marketing
Real-time pipeline visibility plus on-demand co-branded marketing flyers.
PROMISE 05
In-house condo approvals
CPM, PERS, DELRAP — handled by our team, never outsourced.
PROMISE 06
Credit Services Department
For buyers who can’t qualify today, a dedicated team that gets them there tomorrow.
The full loan menu.
Compare all products →PRODUCT 01→
Conventional
CONVENTIONALConforming + high-balance, fixed and ARM, builder-friendly underwriting.
PRODUCT 02→
Government
GOVERNMENTFHA, VA, USDA. 2-1 and 3-2-1 temporary buydown structures.
PRODUCT 03→
Jumbo
JUMBONon-conforming to $3M. Concession structures and bank-statement options.
PRODUCT 04→
HomeFlex
HFG ONLYProprietary forward commitment program. Built for new-construction inventory.
Who we are.
Where we're going.
Founded in Scottsdale in 2004. Family-owned. Built around three principles that haven't changed in twenty-two years.
People
PILLAR 02↗
Partner
Always.
We are an extension of your sales team. We co-market, we attend community openings, and we close on time. Every time.
02
PILLAR 03↗
Improve
Lives.
Every loan is a family in a new home. We exist to improve the lives we touch — borrowers, builders, and communities.
03
Footprint
Licensed in
Licensed in
39 states.
Wherever you're building, we can fund there. Our regional teams know the local market, the local appraisers, and the local title companies — because they live there.
Find your regional team →LOADING MAP…
39
states licensed
34
local offices
8
regional teams
REVIEWS · POST-CLOSE
What your buyers say
What your buyers say
after we close.
“
Lightning fast, informative, knowledgeable, and extremely friendly. I’d recommend them to anyone buying a home.
Zachary K.
February 2024
“
The entire team was attentive, focused, and committed to helping us with everything we needed to get the house.
Juan M.
February 2024
“
Very impressed with the timely closing. Always kept me up to date on how the transaction was moving along.
Kirk W.
January 2024
Let's build
something.
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