Sunrise Homes & Renovations, Inc.

What’s Ahead For Mortgage Rates This Week – September 28th, 2026

by

With a light week the previous week, only a few data reports will have any far reaching impact, with the M2 money supply and the Federal Reserve Balance sheet giving the most insight.

The M2 Money supply has really only increased ever since the COVID pandemic, and has more or less kept in line with the rate inflation has been impacting the costs of many sectors.

While the Federal Reserve balance sheets show a trend of increasing lately, it has shown there is still restraint by the Federal Reserve which is evidenced by the recent increase in interest rates. They are showing strong intent that they do want to combat the rising inflation and bring it down under control.

M2 Money Supply
M2 increased to $23.343 trillion in August, up from $23.218 trillion in July, an increase of approximately $124.9 billion, or 0.54% month-over-month. On a year-over-year basis, M2 was up about 5.66%, compared with $22.093 trillion in August 2025.

Federal Reserve Balance Sheet
The Fed’s securities held outright totaled about $6.471 trillion, including $4.558 trillion in U.S. Treasury securities and $1.910 trillion in mortgage-backed securities (MBS). Compared with the previous week, Treasury holdings increased by roughly $3.9 billion, while MBS holdings declined by approximately $3.1 billion.

Primary Mortgage Market Survey Index

  • 15-Year FRM rates saw an increase of 0.16%, bringing the current rate to 6.42%.
  • 30-Year FRM rates saw an increase of 0.08%, bringing the current rate to 7.03%.

MND Rate Index

  • 30-Year FHA rates saw an increase of 0.34%, with current rate at 7.15%.
  • 30-Year VA rates saw an increase of 0.35%, with current rate at 7.17%.

Jobless Claims
Initial Claims were reported to be 220,000 compared to the expected claims of 210,000. The previous week landed at 207,000.

What’s Ahead
PCE Index, the Federal Reserve’s preferred inflation indicator, is due next week. This will be followed up by Non-farm Payroll and Unemployment Data. Lastly, there will also be some insight on current GDP growth numbers.

The Grocery Test: How Far Is the Trip From Your Car to Your Kitchen?

by

When touring a home, buyers naturally pay attention to the kitchen, garage, and overall layout. But there is a simple way to evaluate how those spaces work together that rarely makes the home-shopping checklist. Imagine arriving home with a trunk full of groceries. How many doors, stairs, hallways, and rooms stand between your car and the kitchen?

It may seem like a tiny detail during a showing. Once you live there, you could make that trip several times every week.

Start Where You Would Actually Park
Do not automatically begin the test at the front door.

If the home has a garage, determine which door you would use to enter the house. In some layouts, the garage opens conveniently near the kitchen. In others, groceries have to travel through a laundry room, down a hallway, across the living area, or even up a flight of stairs.

If you expect to park in the driveway or on the street, imagine making the same trip from there.

Count the Obstacles Along the Way
Distance is only part of the equation.

Are there steps between the garage and house? Is there a heavy door to manage while carrying bags? Does the path include a narrow hallway or tight corner?

Now imagine making that trip while carrying a case of water, a large bag of pet food, or several grocery bags at once.

A route that seems perfectly manageable while walking through an empty home can feel quite different when your hands are full.

Condos and Multi-Level Homes Deserve Extra Attention
The grocery test can be particularly useful when considering condos, apartments, and multi-level properties.
Where is the assigned parking space compared with the unit? Is there an elevator? How far is the walk from parking to the entrance? Are there stairs between the main entry and kitchen?

None of these features automatically make a property undesirable, but buyers should understand how they will affect everyday routines.

Test the Rest of Your Lifestyle Too
The same route may be used for much more than groceries.

Think about bringing in packages, luggage, holiday decorations, bulk purchases, or supplies for children and pets. If you frequently carry things between your vehicle and home, convenient access can become surprisingly valuable.

Homebuyers often concentrate on major features because those are what make a property memorable. Everyday convenience is easier to overlook.

During your next showing, stand where you would normally park and mentally carry a week’s worth of groceries to the kitchen. That imaginary trip may tell you something about the home’s layout that square footage and listing photos never could.

What Your Delivery Driver Might Know About a House That You Do Not

by

Homebuyers usually evaluate a property from their own perspective. They consider the commute, parking, layout, yard, and nearby amenities. But there is another perspective worth considering: the person trying to find and access your house for the first time. Thinking like a delivery driver can uncover practical issues that may otherwise go unnoticed during a showing.

Is the House Easy to Find?
Some addresses are surprisingly difficult to locate.

House numbers may be small, poorly illuminated, hidden behind landscaping, or positioned where they cannot easily be seen from the street. Homes located down shared drives, private roads, or unusually configured developments can create additional confusion.

That inconvenience may seem minor until it affects food deliveries, packages, service appointments, or emergency access.

Look at the Path to the Door
Consider how someone reaches the entrance.

Are there steep stairs, an unusually long walkway, a difficult gate, or a driveway that is challenging to navigate? Is the front door obvious, or would a visitor naturally walk toward a side or garage entrance instead?

Think about nighttime access as well. Exterior lighting can make a significant difference when guests or service providers arrive after dark.

Consider Where Packages Will Go
Online shopping has made package delivery part of everyday homeownership.

Look at whether the front entrance provides a reasonably protected location for deliveries. A deep porch may offer shelter from weather, while an exposed doorstep may leave packages highly visible from the street.

Gated communities, secured condo buildings, and properties with long private drives may have completely different delivery procedures worth understanding before buying.

Do Not Forget Large Deliveries
Eventually, you may need something bigger than a package delivered.

Furniture, appliances, construction materials, moving trucks, and service vehicles require considerably more access. A narrow driveway, tight turn, low overhang, steep grade, or limited street parking can make those deliveries more complicated.

None of these issues necessarily make a home undesirable. They simply affect how the property functions.

When touring a home, imagine arriving there without already knowing exactly where to go. If finding the address, parking, reaching the entrance, or leaving a package requires explanation, it is worth noticing.

Your delivery driver may only spend a few minutes at your house, but looking at the property from that perspective can reveal practical details you could deal with for years.

Why Two Identical Floor Plans Can Feel Like Completely Different Homes

by

Two homes can have the same square footage, the same number of bedrooms, and even the exact same floor plan, yet walking through them can feel completely different. Buyers sometimes assume that once they have seen one version of a particular layout, they know what another will be like. In reality, the blueprint is only part of what determines how a home feels.

Window Placement Changes the Experience
Natural light can dramatically influence how large and inviting a room feels.

The same floor plan positioned differently on a lot may receive sunlight from completely different directions. One living room might feel bright and open while another feels darker because a neighboring home, mature tree, patio cover, or other structure blocks the light.

Window views matter too. Looking toward an open yard creates a different experience than looking directly at a neighboring wall.

Ceiling Height and Finishes Affect Scale
Color and finishes can alter how buyers perceive identical spaces.

Light walls and continuous flooring can make rooms feel connected and expansive. Darker finishes or strong transitions between flooring materials may visually divide the same amount of space.
Ceiling treatments, lighting fixtures, cabinetry, and window coverings can also influence perceived size.

Furniture Can Fool Your Eye
Furniture placement is one of the easiest ways to misjudge a floor plan.

Oversized furniture can make a perfectly adequate room appear cramped. Smaller furniture can make a room seem much larger than it will feel once your belongings arrive.

Instead of judging the current furniture, consider where your own sofa, dining table, beds, and storage pieces would actually go.

Lot Position Matters Inside the House
The location of a home within a community can affect the interior experience.

A corner property may receive different light. A home beside an open area may feel more private. Another version of the same floor plan might sit closer to neighboring houses or face a busier street.
None of those factors change the dimensions printed on the floor plan, but they can change how you experience those dimensions every day.

When comparing homes, measurements are important, but do not assume identical numbers create identical living spaces.

Walk through each property as its own home. The floor plan tells you how the rooms are arranged. Light, views, furnishings, finishes, and surroundings determine how those rooms actually feel.

What Happens to Your Street After Everyone Gets Home From Work?

by

A quiet residential street at 11 a.m. can be very appealing. Driveways are open, curbside parking is plentiful, and getting in and out of the neighborhood seems effortless. But that may not be the street you actually experience after moving in. Before buying a home, consider returning after the workday ends and seeing what happens when everyone comes home.

Watch the Parking Change
One of the biggest differences may be street parking.

During the day, many residents take their vehicles to work. By early evening, those cars are back. Households with several vehicles may fill their driveways and use curbside spaces for the rest.

This can matter if the home has a short driveway, limited garage space, or frequent visitors. Also consider whether parked vehicles make the street feel narrower or affect visibility when backing out.

Pay Attention to Traffic Flow
A neighborhood may experience its own miniature rush hour.

Residents return from work, delivery drivers finish routes, children come home from activities, and people leave again for errands or dinner.

Try driving the route you would regularly use. A nearby intersection that seemed convenient during your showing might become congested at the exact time you would normally arrive home.

Listen to the Evening Environment
When people return home, a neighborhood naturally becomes more active.

Garage doors open. Dogs go outside. Children play. People work in their yards, walk around the neighborhood, or gather outdoors.

There is nothing inherently good or bad about an active street. What matters is whether the environment matches what you want from your home.

Look at How the Street Functions
Evening activity can reveal practical details too.

Are sidewalks easy to use when cars are parked along the street? Are driveways routinely blocked? Does overflow parking extend around corners? Are headlights from turning vehicles likely to shine directly into the home’s front rooms? These are small details, but small details experienced every day can become significant.

A home showing gives you a snapshot of a property. It does not necessarily show you what living there will be like during the hours when most people are actually home.

If a property becomes a serious contender, return after work. You may discover that the peaceful street you saw earlier remains peaceful, or you may see an entirely different version of the neighborhood.

What’s Ahead For Mortgage Rates This Week – September 21st, 2026

by

Expectations that the Federal Reserve would raise rates to combat significant inflation have come to pass, with a modest 0.25% increase in the rate. The Federal Reserve has stated that it remains committed to restoring inflation to its 2.0% target, which will likely include further rate increases in the future. The rest of the week featured a light economic calendar with very few impactful releases, leaving the Federal Reserve’s rate decision as the primary driver of market activity.

FOMC Rate Decision
At its September 15–16, 2026 FOMC meeting, the Federal Reserve raised the federal funds target range by 25 basis points, from 3.50%–3.75% to 3.75%–4.00%. This was the Fed’s first rate increase since July 2023.

Primary Mortgage Market Survey Index

  • 15-Year FRM rates saw an increase of 0.17%, bringing the current rate to 6.26%.
  • 30-Year FRM rates saw an increase of 0.19%, bringing the current rate to 6.95%.

MND Rate Index

  • 30-Year FHA rates saw an increase of 0.13%, with current rate at 6.81%.
  • 30-Year VA rates saw an increase of 0.12%, with current rate at 6.82%.

Jobless Claims
Initial Claims were reported to be 198,000 compared to the expected claims of 208,000. The previous week landed at 206,000.

What’s Ahead
Another light week lies ahead. The notable reports will be the Federal Reserve’s balance sheet and M2 Money Supply data releases. These reports can provide valuable insight into changes in liquidity and the broader money supply, both of which can influence inflation and overall economic conditions.