Sean Stanfield

Area Manager at CMG Home Loans

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The Weekend Update – Dashboard

The Weekend Update

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The Headline Numbers

Mortgage Market Intelligence

The Post-Summer Recalibration

The U.S. mortgage market for the week ending Friday, August 21, 2026, is experiencing a welcome dose of relief as the Treasury Department steps in to calm the bond market. After a volatile summer, we are seeing the average 30-year fixed mortgage rate dip to 6.65%, dropping for the second consecutive week.

However, the real story this week is the Treasury Intervention. The Treasury Department announced it will "at least double" the amount of U.S. government bonds it plans to buy back. This move acts as a brake on the market, helping to pull mortgage rates down by lowering bond yields—even as inflation worries and global events keep the market jumpy.

Key Updates:

  1. Rate Drops: The 30-year fixed rate has cooled to 6.65%, down from last week's 6.67%. The 15-year fixed rate has also seen a slight dip, averaging 5.95%.
  2. Refinance Relief: The 30-year fixed refinance rate took a noticeable dive this week, dropping 16 basis points to average 6.86%.
  3. Lender Margin Compression: Because refinance demand is down about 18% compared to this time last year, lenders are hungry for business. This intense competition means lenders are willing to lower their profit margins, creating a strong opportunity to negotiate better rates or reduced fees.

Strategic Action Items:

  1. For Buyers: While rates are still higher than they were a year ago (when the 30-year averaged 6.58%), this consecutive weekly drop offers a critical window of opportunity. Keep a close eye on the market, as any dip in the 30-year rate immediately improves purchasing power.
  2. For Sellers & Refinancers: The "Shop Around Superpower" is essential right now. With lenders competing fiercely for a shrinking pool of refinance applications, do not accept the first rate you are offered. Leverage the current margin compression to your advantage.


Do what you do. Serve your people. Find a way to make it affordable for both sides, and if you get stuck, call us. We're here all weekend.

— Sean


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Thanks for watching, reading, and using The Weekend Update Dashboard.

Have an amazing weekend.

Sean



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Source: Optimal Blue Mortgage Market Indices (OBMMI). Indices reflect aggregate rate lock data. Learn more.

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Above and beyond only scratches the surface!

“As first-time home buyers, we were incredibly grateful for the exceptional, and even at times emotional, support we received from Sean and his team throughout the entire process. When we first got in contact with Sean, we had no idea when we’d be able to buy a home, but he helped us lay out a clear game plan to reach our goal. Once we were in contract, they kept us informed every step of the way, breaking things down into simple terms we could understand. The friendly email reminders and helpful videos made navigating the journey so much easier, and the interactive tools were a great touch! What truly stood out to us, though, was how kind, patient, and responsive Sean and his team were to our endless questions. They helped settle our worries and made us feel confident in every decision. We can't thank them enough for making our first home-buying experience such a smooth and stress-free one!”

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erica richards

Amazing Experience!

“I had an absolutely incredible experience working with Sean and his fantastic team. From the very beginning to the final closing, they demonstrated unparalleled professionalism, dedication, and expertise. Communication was flawless throughout the entire process, and I was kept informed every step of the way. What truly sets this team apart is their unwavering commitment to going above and beyond. They left no stone unturned to ensure my smooth and hassle-free mortgage process. Their attention to detail, proactive approach, and willingness to address concerns exceeded my expectations. I can't express how grateful I am for their guidance and support in securing my dream home. If you need a mortgage broker who genuinely cares about their clients and is willing to put in the extra effort, look no further. This team is not just exceptional, but they redefine excellence in the mortgage industry. Thank you, Sean, Teresa, and Mario, for making my home ownership journey an absolute delight!”

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lyn stangeland

Terrific service

“Sean Stanfield and his team were terrific to work with from the loan application process all the way through to the closing. He is very competent, great to work with, and an excellent communicator - as are the rest of his team members. Sean also worked in lock step with our realtor to ensure that our loan fit our specific needs. We required a 14-day closing which was aggressive, but Sean and his team made certain that closing occurred well before the 14 day deadline! He was very adept at communicating with us every step of the way via cellphone, email and text. I would recommend his company and Sean Stanfield to anyone seeking an outstanding, responsive lender.”

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terrymccarthy1635

Megan

“Sean and his team helped us navigate the purchase of our new house with a VA loan. He was able to help us work through a high stress hiccup due to a different lender ‘s miscommunication. His knowledge and expertise enabled us to find a solution to proceed with the purchase as planned. His enthusiasm, professionalism, and overall “can-do” attitude are such a rare find in today’s lending industry— we truly felt like Sean had our back every step of the way.”

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megan

Thank you Stanfield Team

“Sean, you, your oustanding Team, and Chris came in our lives when we needed it most. It was unexpected but we are lucky you all did. I'm almost positive this whole process could have been way more stressful than necessary, but you guys did the complete opposite, talked us off the ledge a few times and made us feel like family. You cheered us on from start to finish. Any apprehension we might have had, you all crushed it and kept us moving. We really hope we continue our friendship moving forward and we are forever grateful to everyone! Much Love The Holley's”

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user55531933

Highly Recommend

“I am a first-time home buyer and new to the mortgage process, but Sean and his team were extremely helpful and walked us through every step of the way. Sean was proactive and clearly explained everything we needed to know. Sean was always available when we had a question or needed anything and made sure that our loan closed on time. I highly recommend working with Sean as your lender.”

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seth williams

Top Notch Lender- Guaranteed to Fight for You

“Sean is not your typical loan officer just doing paperwork like those online companies. He called the listing agent and fought for my buyers. He convinced the listing agent to go with us over other highly qualified buyers. His file is super clean, organized and get the job done quickly. I also might add that his rates are excellent and the service even better.”

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marc1678

Looking for a lender? Look no further!

“As a first time home buyer with minimal experience, I was nervous to get started on the path to homeownership. From the first call I had with Sean, he eased my concerns, answered all my questions, and treated me with respect. Sean is so personable and friendly, it was always such a pleasure talking with him. Him and his team were so amazingly helpful and guided my husband and I through the home buying process with ease. I would recommend Sean to my family and friends any day, and now to you, people of Zillow! As long as I ever have a need for a lender, Sean will be the one I go to.”

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kelly baker

Excellent Experience

“My husband and I recently purchased a condo in Santee, CA. Coming from Bakersfield we were nervous about the process. Sean and his team were extremely helpful with our recent purchase. I would definitely recommend Sean and his team for all of your Lending needs.”

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angblair