May Money Moves: Refi or Wait?

This month’s edition is sponsored by 1440 Media, a fact-based newsletter without the bias, check em’ out to learn more!

Good Morning! If you want to know current average interest rates, on the fence if you should take advantage of refinancing your mortgage, or need a new perspective on how to manage finances, keep on reading!

“When you share knowledge with those you hold dear, you're not just enriching their minds; you're enriching their lives."

What’s The Rate?

Rates are averages for primary homes with % changes from April according to Freddie Mac

Performance Stats

• $31,271,615 Total Funded Volume in April

• 126 Families Helped Close on a Loan!

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Should You Refinance Your Mortgage?: Here’s the Real Deal

Refinancing can be one of the smartest money moves you make as a homeowner — but only if you know what you’re doing.

Whether you're trying to lower your interest rate, free up monthly cash flow, pull equity out for home projects, or ditch PMI, refinancing gives you options. And those options can add up to serious savings.

Here’s what you’ll learn in the full guide:

1. How much a lower rate could save you over time

2. When it makes sense to go from a 30-year to a 15-year (or vice versa)

3. How to pull equity out without wrecking your budget

4. What type of refinance is the right fit for your situation

This isn’t just another generic article — it’s a no-fluff, straight-to-the-point guide built to help you make confident decisions.

Click here to read the full guide 👇

If you want to find out what rates and programs you qualify for based on your personal profile, please fill out this form 👈

Top Mortgage News

• Is it a Good Time to Buy a Home? Short Answer: It depends but watch the bond market to help (ABC NEWS)

• Housing Affordability and Supply Updates. Supply is increasing but affordability is still a challenge (NAR)

• Consumer Sentiment Nears Rock Bottom from Tariffs and Inflation (Scotsman’s Guide)

(Articles are not endorsed in any matter by Agave Home Loans)

Sticky Media: Die With Zero

Die With Zero by Bill Perkins challenges the traditional idea of saving endlessly for retirement. Instead, it encourages you to use your money to create meaningful experiences while you’re healthy enough to enjoy them. Perkins argues that the goal isn’t to die with a big bank balance, but to die having fully lived — with zero regrets and zero wasted potential.

The book introduces the idea of “memory dividends”: the lasting joy and value we get from life experiences. A vacation in your 30s is worth more than the same trip in your 70s, because you get to enjoy the memories for longer. Perkins also suggests rethinking when you give — whether to your kids or to causes you care about — so that your money makes a bigger impact during your lifetime.

This isn’t about being reckless. It’s about being intentional: planning your life in phases, spending in alignment with your values, and using money as a tool to maximize fulfillment — not just your net worth.

If you’ve ever felt torn between saving for tomorrow and living for today, this book is the permission slip you didn’t know you needed.

Sweet Visuals: US 10 Year Treasury and Interest Rates

10 Year Treasury Note Over The Last Year

Source: MarketWatch

Mortgage Interest Rates Over The Last Year

Source: FreddieMac

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