Paramount Mortgage Company NMLS #1146508

03/28/2026

Listed for sale at $559000. Welcome to The Reserve in Junction City. This spectacular 4 bedroom home was the Lennar model home in 2022! Featuring so...

03/25/2026

Fannie Mae and Freddie Mac have begun placing large orders to purchase mortgage-backed securities, following President Trump's directive earlier this year to buy up $200 billion in mortgage bonds to help drive down rates, Bloomberg reports. The impact remains uncertain given the scale of the market: commercial banks hold about $2.7 trillion in MBS and the Federal Reserve still holds more than $2 trillion in mortgage bonds.

03/17/2026

Inventory is rising, and prices are falling heading into spring. Mortgage rates ticked up to 6.11% after briefly dipping into the 5% range, but remain well below year-ago levels. Despite softer job numbers adding some uncertainty, Realtor.com economists say all signs point to a "very buyer-friendly spring home shopping season."
The number of homes for sale is up 6.2% from a year ago, and the median list price has dropped 2.4%, marking 20 straight weeks of flat or falling prices. Homes are taking a little longer to sell, spending a median of 58 days on the market, four days more than last year. For buyers, the takeaway is simple: there's more to choose from, and prices are softer than they've been in years.

03/17/2026

Happy St. Patricks Day! ☘️☘️☘️

03/06/2026

This is a big win for consumer privacy!!!!!

Applying for a mortgage is a significant financial milestone, but for many homebuyers, it has also been an open invitation for a flood of unwanted calls, texts, and emails. This frustrating experience is about to change. A new era of mortgage privacy is on the horizon, thanks to the Homebuyers Privacy Protection Act, which was signed into law in 2025. This landmark legislation introduces a ban on “trigger leads,” aiming to give you more control over your personal information.

WHAT ARE TRIGGER LEADS?
If you have ever applied for a mortgage, you might have been surprised by the number of unsolicited offers you received from other lenders shortly after. This is the result of trigger leads.

In simple terms, a trigger lead is a notification generated when a lender pulls your credit report for a mortgage application. The major credit bureaus (Experian, TransUnion, and Equifax) sell this information to other financial institutions, who then use it to market their own mortgage products to you.

For the consumer, this process often looks like this:

You apply for a mortgage with a trusted lender.
That lender performs a credit check as part of the application process.
This credit pull “triggers” an alert at the credit bureaus.
Your contact information is sold as a “lead” to competing lenders.
Your phone starts ringing with calls from lenders you have never heard of – all trying to win your business.
This practice, while legal under the Fair Credit Reporting Act (FCRA), has led to significant consumer frustration and confusion.

WHY THE TRIGGER LEADS BAN WAS NEEDED
The push for a mortgage trigger lead ban came directly from overwhelming consumer complaints. Homebuyers reported feeling spammed and harassed, often by dozens of lenders in a single day. Many were confused, thinking their original lender had shared their information, which eroded trust in the mortgage process.

Some of the key issues that made the ban necessary include:

Widespread Spam: Consumers were bombarded with calls and messages, creating a stressful and intrusive experience.
Deceptive Practices: Some lenders used misleading tactics, implying they were affiliated with the consumer’s original lender to gain their trust.
Privacy Concerns: Homebuyers felt their privacy was violated when their personal financial information was sold without their direct knowledge or consent.
The call for reform gained widespread bipartisan support in Congress, and many in the mortgage industry also backed the change, recognizing that a more transparent process benefits everyone. The consensus was clear: stronger consumer protections were essential to restore confidence and safety in the homebuying journey.

WHAT THE NEW LAW DOES
The new legislation, officially titled the Homebuyers Privacy Protection Act (H.R. 2808), is set to go into effect on March 4, 2026. This law introduces strict rules around the use of trigger leads.

Here are the key provisions of the new law:

Explicit Consumer Consent: Credit bureaus will be prohibited from selling trigger leads unless the consumer has explicitly consented to the sharing of their information.
Limited Access: Only specific institutions, such as your current lender or mortgage servicer, will be permitted to access your data for marketing purposes without additional consent.
Firm Offer Requirement: Any trigger lead that is generated must be used for a “firm offer of credit or insurance,” preventing lenders from using your information simply to spam you with marketing materials.
These changes are designed to put you, the homebuyer, back in control of your data.

HOW THIS AFFECTS YOU AS A HOMEBUYER
The trigger lead ban will have a direct and positive impact on your mortgage shopping experience. Once the law is in effect, you can expect:

Fewer Unsolicited Calls and Texts: The constant barrage of messages from unknown lenders will disappear, allowing you to focus on your application without distractions.
More Control Over Your Data: You will have the power to decide who can contact you, ensuring your personal information is not sold without your permission.
A Safer, More Transparent Process: With fewer confusing and deceptive offers, you can navigate the mortgage process with greater confidence and security.

The Homebuyers Privacy Protection Act, a bipartisan measure introduced in the Senate by Sens. Jack Reed and Bill Hagerty, and in the House by Reps. John Rose and Ritchie Torres, officially takes effect Thursday, March 5.The bill, signed by President Trump on September 5, 2025, revises the Fair Credi...

03/04/2026

02/24/2026

GREAT NEWS!!!

The Homebuyers Privacy Protection Act (H.R. 2808), signed into law on September 5, 2025, bans most "trigger leads" in the mortgage industry, effective March 4, 2026. This legislation prevents credit bureaus from selling personal applicant data to third parties, halting the flood of unwanted solicitations, except for specific, authorized, or pre-existing business relationships.
Consumer Finance Monitor

Key details regarding the trigger lead ban include:
Effective Date: The ban takes effect on March 4, 2026.
Purpose: To stop credit bureaus from selling mortgage applicant data to third-party lenders, which resulted in hundreds of unwanted calls, texts, and emails.
Exceptions: Credit reporting agencies may only furnish a report if the recipient has a current, specific banking relationship, is the current loan servicer, or has the consumer's authorization.
Impact: The legislation is a major victory for consumer privacy, aiming to curb aggressive marketing tactics in the home-buying process.

The bipartisan bill, which was strongly supported by the banking and mortgage industries, protects homeowners from having their personal information sold without their permission.

02/24/2026

Mortgage rates fell this week to their lowest level since September 2022, dropping to 6.01% for a 30-year fixed loan, down from 6.09% last week. Last year at this time, rates averaged 6.85%.

Freddie Mac’s chief economist, Sam Khater, says lower rates make buying a home more affordable and help homeowners save money through refinancing, with applications more than doubling over the past year.

02/20/2026

We are local and would love to help you with your new purchase or refinance. Give us a call! 541-684-0027

Evelyn R. MIller NMLS #203971
Christopher L. Miller NMLS #2038320

Agents, let your buyers know: Mortgage rates fell to 6.01% this week, the lowest since September 2022, making homes more affordable. Lower rates are helping homeowners save thousands through refinancing.

More: https://rltor.cm/TEmlk6