NMLS# 1037414

Chris DeRosier

Chris began his career as a loan officer over a decade ago and “Your Mortgage Guy Chris” became his trademark.

Growing up with a mom who worked as a Realtor®, Chris has always had real estate in his life.

Chris has a lifetime of knowledge and experience in real estate with almost 2 decades in the mortgage world. With a client focused attitude he really has earned the trademark “YOUR mortgage guy Chris”.

Chris is a “girl dad” and loves spending time with his family. With Chris, you not only have a Mortgage Guy but also a guy who can give some great cooking and baking recipes, too!

Start your home purchase or refinance with Chris.

Manage your loan journey right from your phone by downloading our app LOOP.

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Estimate monthly payments
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“From the start of the pre-approval application all the way to closure, Chris and his team were amazing. He was able to answer every question I had and explain it in a way that I could understand. I truly felt that he had my best interest in mind throughout the whole process.” -Z.R.W.

Mortgage Info & Updates

mortgage-updates

Recent global news has caused significant market volatility, leading to fluctuations in interest rates. Several factors will influence rates leading up to the mid-September Fed meeting, including upcoming inflation news and two more employment reports. Market expectations regarding the Fed's rate decisions will already be built into the market by mid-September, impacting rates accordingly.

In the latest update regarding the NAR Settlement and it's effects, we have great news for first-time buyers; Fannie Mae, Freddie Mac, and FHA have now confirmed that seller paid commissions will not be counted into the maximum allowed for interested party contributions. We are still awaiting key details from the VA, and will remain diligent as new information unfolds.

Despite initial confusion, buyers' agents can still receive compensation from sellers, commission just can’t be offered through the MLS. Ensuring all parties are well-represented will be crucial to smoother transactions in this new market.

We're looking for an experienced Marketing Manager s great at developing project timelines, strategizing creative campaigns and crafting mortgage-based copy and messaging.

Today we're dismantling the misconceptions on mortgage insurance and sharing more about how it can be a tool that accelerates a buyer's ability to purchase and own home. Mortgage insurance is a type of insurance typically required by lenders when a borrower puts down less than 20% of the home's purchase price. It's usually paid as a monthly premium that's added to the borrower's mortgage payment.

Interest rates remain the same as inflation data came in as expected earlier today. Rates are still in that high 6, low 7% range. Buyers, be prepared with a pre-approval so you can act quickly when you find the right home.

When there's uncertainty, the best thing for a homebuyer to do is be prepared and ready. With many varying projections about mortgage interest rates, the smartest move is to be proactive and get pre-approved, so buyers can act fast.

Yesterday’s Consumer Price Index Results Were Slightly Lower Than Expected. With the Overall CPI at 3%, we've seen rates come down yesterday and it's trending that way today, too. Great news for housing!

Rates are in the Upper-6s As We Move into a Busy Weekend of Open Houses.

Fannie Mae Shares Results Ranking Important Factors of Living "The Good Life.” 3 of the top 6 factors are housing-related in what participants found to be important when considering the life they'd like to have. The dream of homeownership continues to be strong. Begin your journey by getting pre-approved. Homebuyers, we can help!