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LendZen.com
@lend-zen.bsky.social
Mortgage automation that delivers lower rates without fees, humans, or hassles. Shop anonymously and qualify instantly. NMLS# 375788
CEO @JonKutsmeda
Shop mortgage rates anonymously at lendzen.com

Below is just a snapshot - customize a quote and see every rate instantly with all costs upfront.

𝗡𝗼 𝗰𝗼𝗻𝘁𝗮𝗰𝘁 𝗶𝗻𝗳𝗼𝗿𝗺𝗮𝘁𝗶𝗼𝗻 𝗶𝘀 𝗿𝗲𝗾𝘂𝗶𝗿𝗲𝗱.
September 16, 2026 at 12:18 AM
Reposted by LendZen.com
Wednesday should be fun.
September 15, 2026 at 12:07 PM
Reposted by LendZen.com
Maybe if they buy more?
September 15, 2026 at 11:56 AM
Reposted by LendZen.com
Just imagine if The Fed wakes up on Wednesday and chooses violence.
September 15, 2026 at 11:46 AM
Reposted by LendZen.com
Hey real estate agents…

Send this to the buyer who thinks a Fed hike means it’s time to give up on the #housing market.
September 12, 2026 at 10:02 PM
Which one are you? ​

• Active shopper 🏠
• Casual watcher 🔍
• Data junkie 📊

The LendZen Index provides daily, data-driven insights, and real-time mortgage rate pricing.

𝗦𝗵𝗼𝗽 𝗿𝗮𝘁𝗲𝘀, 𝘁𝗿𝗮𝗰𝗸 𝘁𝗿𝗲𝗻𝗱𝘀, 𝘀𝗮𝘃𝗲 𝗺𝗼𝗻𝗲𝘆.

👇
LendZen Mortgage Rate Index | Jon Kutsmeda | Mortgage Expert | Substack
LendZen Index tracks the change in mortgage rate "prices" across a spectrum of mortgage bonds (MBS). This gives borrowers a clearer picture of how the cost to obtain a mortgage has changed, regardles...
lendzen.net
September 14, 2026 at 11:39 PM
Reposted by LendZen.com
Six months ago, mortgage pricing was at its best level in years.

Today, securing the same rate costs another $21,450 on a $500K loan.

Amazing what a little war, inflation, and government intervention can accomplish.
September 11, 2026 at 11:17 AM
Reposted by LendZen.com
Fed Funds Futures are pricing a 72% chance of a 0.25 rate hike next week.

But is that enough?

The 2Y thinks not, implying The Fed is behind the curve by 75-bps.
September 11, 2026 at 11:12 AM
Reposted by LendZen.com
Yesterday’s bond apocalypse made paying for a lower rate harder to justify – you read that correctly.

Locking eliminates market risk. Paying points creates breakeven risk.

When bond prices become this stretched, a future refinancing opportunity becomes more plausible.
September 11, 2026 at 11:08 AM
LendZen gives you access to mortgage rates without any contact information.

The instant results and visual analysis eliminate salespeople, reducing your costs.

Request a Loan Estimate for any custom rate quote in one easy step.

👇
www.lendzen.com
September 11, 2026 at 12:32 AM
Mortgage rates DO NOT rise or fall, instead the PRICE of each rate changes.

The LendZen Index helps you stay current with previous rate quotes.

Estimates 𝟯𝟬 𝗱𝗮𝘆𝘀 old are now $934 𝗠𝗢𝗥𝗘 per 100k (.00934)

𝟮𝟰𝗛: ​ +$201
𝟱𝗗: ​ +$275
𝟭𝟬𝗗: ​ +$976
September 10, 2026 at 1:11 AM
The tighter (lower) the 𝘆𝗶𝗲𝗹𝗱 𝘀𝗽𝗿𝗲𝗮𝗱 is between mortgage-backed securities and government bonds the better mortgage rate pricing will be for borrowers.

The spread between MBS and the U.S. 10-Year 𝗗𝗘𝗖𝗥𝗘𝗔𝗦𝗘𝗗 by .01% in the last week.
September 4, 2026 at 11:32 PM
Shop mortgage rates anonymously at LendZen.com

Below is just a snapshot - customize a quote and see every rate instantly with all costs upfront.

𝗡𝗼 𝗰𝗼𝗻𝘁𝗮𝗰𝘁 𝗶𝗻𝗳𝗼𝗿𝗺𝗮𝘁𝗶𝗼𝗻 𝗶𝘀 𝗿𝗲𝗾𝘂𝗶𝗿𝗲𝗱.
September 4, 2026 at 1:13 AM
Track daily mortgage rate pricing with the 𝗟𝗲𝗻𝗱𝗭𝗲𝗻 𝗜𝗻𝗱𝗲𝘅.

The historic data, current rate snapshots, and bond spreads help borrowers save money with smarter rate choices.

Get instant access 👇
LendZen Mortgage Rate Index | Jon Kutsmeda | Mortgage Expert | Substack
LendZen Index tracks the change in mortgage rate "prices" across a spectrum of mortgage bonds (MBS). This gives borrowers a clearer picture of how the cost to obtain a mortgage has changed, regardles...
lendzen.net
September 2, 2026 at 11:28 PM
Mortgage rate pricing changes daily, so rate quotes expire the next day.

𝗕𝘂𝘁 𝘁𝗵𝗲 𝗿𝗮𝘁𝗲 𝗱𝗶𝗱 𝗻𝗼𝘁 𝗰𝗵𝗮𝗻𝗴𝗲, 𝗼𝗻𝗹𝘆 𝗶𝘁𝘀 𝗽𝗿𝗶𝗰𝗲.

The LendZen Index calculates the change in dollar terms, which you can apply to any offer regardless of the rate.
September 1, 2026 at 11:39 PM
LendZen gives you anonymous access to live mortgage rates with costs upfront.

What you see is what you get - 𝗻𝗼 𝗵𝗶𝗱𝗱𝗲𝗻 𝗳𝗲𝗲𝘀 𝗼𝗿 𝗽𝗼𝗶𝗻𝘁𝘀.

Get instant qualification and see all rate options that meet your exact criteria.

👇
www.lendzen.com
August 31, 2026 at 11:43 PM
Reposted by LendZen.com
Guess who is back... 🥤

Brent Johnson, famous for his Dollar Milkshake Theory, brought me back on the pod I co-hosted with him for 2-years.

We dig into how Treasury Sec. Scott Bessent's bond buyback policies will impact mortgages, bond spreads, and the housing market.

youtu.be/7tK1msqW_y8 ​ 👈
August 31, 2026 at 12:51 AM
Mortgage-Treasury spreads tell us how mortgage-backed securities (MBS) are trading versus government bonds.

When spreads are low or declining, mortgage rates improve faster and remain stable longer.

-- AUG 28 --

𝟭𝟬𝗬: ​ 4.731

𝗟𝗠𝗧𝗦: ​ 0.99

𝗬𝗼𝗬: ​ -14 bps
August 29, 2026 at 3:42 AM
Mortgage rates DO NOT rise or fall, instead the PRICE of each rate changes.

The LendZen Index helps you stay current with previous rate quotes.

Estimates 𝟭𝟬 𝗱𝗮𝘆𝘀 old are now $25 𝗟𝗘𝗦𝗦 per 100k (.00025)

𝟮𝟰𝗛: ​ +$16
𝟱𝗗: ​ -$337
𝟯𝟬𝗗: ​ -$526
August 28, 2026 at 1:56 AM
Shop mortgage rates anonymously at LendZen.com

Below is just a snapshot - customize a quote and see every rate instantly with all costs upfront.

𝗡𝗼 𝗰𝗼𝗻𝘁𝗮𝗰𝘁 𝗶𝗻𝗳𝗼𝗿𝗺𝗮𝘁𝗶𝗼𝗻 𝗶𝘀 𝗿𝗲𝗾𝘂𝗶𝗿𝗲𝗱.
August 27, 2026 at 12:25 AM
Reposted by LendZen.com
Is a Fed rate hike back on the table?
August 26, 2026 at 10:18 PM
Which one are you? ​

• Active shopper 🏠
• Casual watcher 🔍
• Data junkie 📊

The LendZen Index provides daily, data-driven insights, and real-time mortgage rate pricing.

𝗦𝗵𝗼𝗽 𝗿𝗮𝘁𝗲𝘀, 𝘁𝗿𝗮𝗰𝗸 𝘁𝗿𝗲𝗻𝗱𝘀, 𝘀𝗮𝘃𝗲 𝗺𝗼𝗻𝗲𝘆.

👇
LendZen Mortgage Rate Index | Jon Kutsmeda | Mortgage Expert | Substack
LendZen Index tracks the change in mortgage rate "prices" across a spectrum of mortgage bonds (MBS). This gives borrowers a clearer picture of how the cost to obtain a mortgage has changed, regardles...
lendzen.net
August 25, 2026 at 10:53 PM
LendZen gives you access to mortgage rates without any contact information.

The instant results and visual analysis eliminate salespeople, reducing your costs.

Request a Loan Estimate for any custom rate quote in one easy step.

👇
www.lendzen.com
August 24, 2026 at 10:48 PM
Reposted by LendZen.com
Where was the trigger warning? ⚠️

Bessent's bond "bailout" left mortgage rates reeling last week.
August 24, 2026 at 1:55 PM
Reposted by LendZen.com
War.

Deficits.

Not-QE, QE.

Each one made getting a mortgage more expensive this year.

The same rate quoted FEB 27 now costs $2,907 more per $100K (291 bps).

That is an increase of nearly $15,000 on a $500K loan.
August 24, 2026 at 1:46 PM