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GCA Mortgage Forums Daily News for Monday September 14 2026
GCA Mortgage Forums Daily News: Mortgage rates top 7% as oil, inflation, and 5% Treasury yields put pressure on housing – September 14, 2026
GCA Mortgage Forums Daily News for Sept. 14, 2026: mortgage rates top 7%, oil exceeds $100, inflation stays hot, home sales fall, and markets brace for the Fed.
GCA MORTGAGE FORUMS DAILY NEWS EDITION — MONDAY, SEPTEMBER 14, 2026
Another red flag has appeared for the U.S. housing market. Mortgage rates went above 7% on a popular daily measure. The key 10-year Treasury yield briefly went over 5%. Oil prices stayed above $100 a barrel. Consumer inflation stayed much higher than the Federal Reserve’s 2% goal. Sales of existing homes dropped below a 4-million yearly rate.
Getting mortgage loans became harder. Wall Street started the Federal Reserve week with investors facing risks they could mostly ignore when borrowing was cheaper.
This change is driven by several factors converging: rising mortgage rates, persistent inflation, high oil prices, increasing government borrowing, rising consumer debt, higher property taxes, reduced affordability, and greater market risk.
Welcome to the GCA Mortgage Forums Daily News, the national mortgage, housing, real estate, and financial news report from GCA Mortgage Forums News, powered by Gustan Cho Associates. The objective is to interpret current headlines, clarify the significance of key data, and deliver relevant information to homeowners, buyers, real estate and mortgage professionals, and investors.
Mortgage Rates Break Above 7% as the Bond Market Sends Housing Another Warning.
The number getting the mortgage industry’s attention Monday was 7.17%. Mortgage News Daily’s national 30-year fixed-rate index reached 7.17% on September 14, up from 7.12% Friday and 6.89% on September 8. Its FHA index was 6.75%, VA was 6.77%, and the 30-year jumbo rate was 7.28%.
Freddie Mac’s most recent weekly survey, published September 10, showed a lower 30-year average of 6.76% and a 15-year average of 6.09%.
This is not a contradiction. Freddie Mac and Mortgage News Daily use different methodologies and measurement periods. The important point is the direction: borrowing costs moved higher heading into Fed week.
The 10-Year Treasury Yield Just Touched 5%
An even louder alarm sounded from the Treasury market. The benchmark 10-year Treasury yield moved above 5% Monday, reaching a level not seen since October 2023. Reuters reported it near 5.01% during the session.
Higher Treasury yields can lead to higher mortgage rates, higher car loan rates, more costly business loans, and higher borrowing costs for state and local governments.
Mortgage rates are not decided directly by the Federal Reserve. They are mostly affected by long-term bond yields, mortgage-backed securities, what people expect for inflation, and how much risk investors take. That makes a 5% 10-year Treasury yield extremely important for housing. Meanwhile, buyers and sellers are already grappling with steep affordability hurdles.
Inflation Is Not Dead: August CPI Comes In Hotter Month Over Month
Fresh data shows that inflation is still not slowing down. The price index rose 0.4% in August, after increasing only 0.1% in July. Over the prior 12 months, headline CPI increased 3.4%. Core CPI, which excludes food and energy, increased 0.3% for the month and 2.4% year over year. Shelter costs increased 0.3% in August and 3.0% over the previous 12 months. Food prices increased 2.7% annually.
Energy Inflation Is Becoming the Wild Card
The energy numbers in the latest inflation report are especially troubling. Energy prices went up 16.3% over the past year, while gasoline prices rose 27.4% compared to a year ago. Gasoline prices alone increased 3.9% in August. This trend ripples far beyond the gas pump for everyday consumers.
When fuel costs more, trucking costs go up. Shipping gets more expensive. Airlines pay more for fuel. Farmers, manufacturers, and construction companies have higher running costs. Over time, these higher costs may lead to higher prices for consumers.
Wholesale Inflation: The Producer Price Index added even more concerns.
Final-demand producer prices rose 0.4% in August and were up 5.4% over the prior 12 months, according to the Bureau of Labor Statistics.
The mix of consumer inflation above targets, higher producer inflation, and oil prices over $100 is causing bond yields to rise and investors to expect the Federal Reserve to raise rates.
Fed Rate Hike Suddenly Becomes the Main Event
Just weeks ago, many borrowers were hoping for a big drop in interest rates. Instead, on September 14, markets prepared for another rate increase. A Reuters poll published Monday found that 85% of economists surveyed expected the Federal Reserve to raise its policy rate by one-quarter percentage point, to a range of 3.75% to 4.00%, at its September 15-16 meeting.
Markets expected an even higher chance.
The Federal Reserve wants inflation to steadily reach 2%. But inflationary pressures have returned due to rising energy costs. For mortgage borrowers, the bigger question is not simply whether the Fed raises rates on Wednesday.
It is what happens to the 10-year Treasury, mortgage-backed securities, and inflation expectations afterward.
The Fed might raise short-term rates while mortgage rates drop if bond investors think inflation will slow. Mortgage rates could stay high or go up if investors expect inflation and government borrowing to keep rising. Headlines that say Federal Reserve rate hikes directly and automatically raise mortgage rates oversimplify the relationship.
Oil Above $100 Becomes a New Threat to Household Budgets and Mortgage Rates
Oil prices have stolen the spotlight in U.S. financial markets. Brent crude settled Monday at $105.68 per barrel, up 1%, while U.S. West Texas Intermediate settled at $101.39, up 1.3%. Both surged nearly 5% earlier, then gave back part of the gains. The price rise came after growing concerns about supply in the Middle East, including attacks on Saudi energy facilities and disruptions to Saudi Arabia’s East-West Pipeline. Reuters said this disruption could affect up to 4% of the world’s oil supply.
Why $100 Oil Matters to Homebuyers
Oil does not appear on a mortgage application as its own debt. When oil prices change, almost every part of a household budget is affected. From daily travel to plane tickets, delivery costs, groceries, and even building a home, prices can go up.
Most importantly for housing, continued energy price increases can keep people expecting high inflation, which pushes up Treasury yields and mortgage rates.
For homebuyers hoping for relief, oil prices over $100 make things even harder. Wall Street finished Monday lower. The Dow Jones Industrial Average fell 0.29% to 52,421.17. The S&P 500 declined 0.48% to 7,619.94, and the Nasdaq Composite dropped 0.56% to 26,186.41. Technology stocks took the biggest hit after warnings from leading artificial-intelligence executives caused a sharp drop in semiconductor shares.Semiconductor Index plunged 5.9%. NVIDIA fell 3.4%, while several other major chip companies dropped more than 4%. Even after Monday’s drop, Reuters reported that the semiconductor index was still up about 57% in 2026.
Is the Stock Market About to Crash?
GCA Mortgage Forums News aims to distinguish genuine risks from speculative or exaggerated online commentary. There are valid reasons for caution. The 10-year Treasury hit 5%. Oil prices are over $100. Inflation is still above the Fed’s goal. Government borrowing is high. Some technology sectors have seen huge gains. Consumers have record amounts of debt.
These factors can cause more market ups and downs, but predicting a big crash is just guesswork, not fact.
After the recent decline and stronger earnings expectations, Reuters reported that the S&P 500 was trading near 19 times expected earnings, its lowest forward valuation since April 2025.
That hardly means stocks are a bargain, a safe haven, or protected from a steep drop. Investors should differentiate between elevated risk and the certainty of a market crash. Markets can stay pricey far longer than pessimists imagine—and tumble much faster than optimists expect. A smarter choice is to stop trying to guess exactly when a downturn will happen and focus on getting ready. Investors should assess how much risk they have if stocks, housing, jobs, or credit markets worsen.
Gold and Silver Fall as High Yields Challenge the Safe-Haven Trade
Precious metals also felt the pressure on Monday. Spot gold was around $4,312.59 per ounce Monday afternoon, down roughly 0.8%, while U.S. gold futures were around $4,351.90. Spot silver was around $63.71, down approximately 1.2%. Gold normally attracts investors during inflation scares and geopolitical uncertainty. But gold competes with other investments when Treasury yields rise because it does not pay interest.
Gold and Silver Outlook: What Could Move Prices Next?
The near-term metals story has two competing forces. Higher Treasury yields, a stronger dollar, and more Fed rate increases could put pressure on gold and silver prices.
Ongoing political problems, inflation concerns, reduced trust in government monetary policy, or new market troubles could increase demand for safe investments.
Precise predictions regarding gold or silver price targets should be approached with caution. Precious-metals markets are being pulled simultaneously by inflation, interest rates, currencies, geopolitical risk, and investor positioning.
The Housing Market Slips Below a 4-Million Sales Pace
But inventory is telling a different story. Instead, the data show a market struggling to make sales because affordability issues persist. Existing-home sales dropped 2.0% in August to an annual rate of 3.98 million homes, according to the National Association of REALTORS®. Sales were 1.2% lower than a year ago. That brought the national existing-home market back below the 4-million annual pace.
More Homes Are Finally Sitting on the Market
But inventory is heading the other way. In August, 1.62 million existing homes were for sale, up 3.2% from July and 5.9% from a year ago. That was enough homes to last 4.9 months, compared to 4.6 months in July.
For buyers who faced bidding wars and few choices before, more homes for sale could finally give them an advantage.
For sellers, holding on to 2021 prices could be a risky bet.
Home Prices Are Still Rising Nationally—But Barely
Even though fewer homes are selling, existing-home prices have not fallen sharply across the country. The median existing-home price reached $429,100 in August, up 1.6% from a year earlier. But the main point is the increasing differences between regions. The August median was $556,900 in the Northeast, $340,400 in the Midwest, $366,500 in the South, and $619,100 in the West.
Prices increased year over year in the Northeast, Midwest, and South but were down 0.2% in the West.
Case-Shiller Shows the Same Regional Divide
The S&P Cotality Case-Shiller National Home Price Index increased only 1.5% year over year in June. Chicago led the major markets measured by Case-Shiller with a 6.9% annual gain. New York was up 4.8%, Cleveland 4.1%, while Seattle was down 2.0%. S&P said that, when adjusted for inflation, national home prices were falling because inflation was outpacing home price growth. This difference matters more than it seems. A homeowner might see their property’s price go up, but the real value after inflation could go down.
Housing Affordability Improves on Paper—but Buyers Still Feel the Pain
NAR’s Housing Affordability Index reached 104.7 in August, up from 101.2 a year earlier, with year-over-year improvement reported in all four major regions. That might seem surprising since mortgage rates are near or above 7%. The explanation is that affordability depends on several moving pieces, including household income, home prices, and mortgage rates.
Small increases in wages or home prices can improve the index even if monthly payments still feel hard for buyers. And today’s buyer faces more than just principal and interest.
Property taxes, homeowners’ insurance, flood insurance, HOA dues, utilities, and maintenance all matter. For many households, the main affordability problem is the total monthly payment including principal, interest, taxes, insurance, and fees, not just the mortgage rate shown.
New-Home Sales Drop as Builders Face a Tougher Market
New construction is hitting the brakes, too. The U.S. Census Bureau reported that new single-family home sales ran at a seasonally adjusted annual pace of 607,000 in July, down 10.5% from June.
At the end of July, an estimated 488,000 new homes were available for sale, representing a hefty 9.6 months of supply at the existing sales pace.
The median new-home sales price was $393,800. More homes available soon could lead to price drops, help with closing costs, or special mortgage offers from builders for buyers. It also means builders can’t expect every finished home to sell right away.
Housing Starts Plunge as Construction Loses Momentum
Housing starts added another warning. Privately owned housing starts fell to a seasonally adjusted annual rate of 1.239 million units in July, down 12.4% from June and 13.5% from July 2025. Single-family starts fell to an annual pace of 808,000.
Building permits were stronger at 1.443 million, but completed housing units also declined.
Today’s construction slowdown could spell tomorrow’s supply crunch. Here’s the paradox: we need more affordable homes, but high borrowing, labor, land, insurance, and building costs are choking off the very supply that could help.
Mortgage Applications Fall as Higher Rates Hit Borrowers Again
The mortgage industry’s slowdown is evident in the shrinking number of applications. Mortgage applications fell 2.7% during the week ending September 4, according to the Mortgage Bankers Association. Refinance applications dropped 6% for the week and were 25% lower than one year earlier.
Purchase applications slipped 0.2% for the week, although they remained 4% above the same week a year earlier. The mortgage market remains active.
It reacts instantly to every twitch in interest rates. Any sudden move in Treasury yields can change a borrower’s payment, purchasing power, refinancing incentive, and debt-to-income ratio.
Mortgage Credit Gets Tighter
Getting a loan got even tougher in August. MBA’s Mortgage Credit Availability Index fell 1.0% to 107.3. Conventional credit availability declined 1.8%, jumbo availability fell 2.5%, and government-program availability was unchanged. MBA said lenders reduced some flexible-documentation and cash-out refinance programs. This hits hardest for borrowers who fall outside the usual lending boxes.
A borrower can be financially viable and still struggle if the lender has credit overlays, limited product offerings, or a risk appetite that does not align with the file.
Mortgage Delinquencies Are Sending a Warning—Especially in FHA
There is another trend mortgage professionals should be watching carefully. The overall mortgage delinquency rate finished the second quarter at 4.37%, down slightly from the previous quarter but 44 basis points higher than a year earlier, according to MBA. The share of loans in foreclosure increased to 0.67%, up 19 basis points from a year earlier. FHA deserves particular attention. The total seasonally adjusted FHA delinquency rate was 11.79%, while FHA serious delinquencies were 227 basis points higher than a year earlier. This does not indicate a housing collapse similar to 2008 is currently underway. But it does mean that stress is mounting for borrowers most vulnerable to affordability pressures.
The Average American Household Is Carrying $18.8 Trillion of Debt
If you’re wondering why so many households feel squeezed, just look at the numbers on their balance sheets.
Total U.S. household debt stood at approximately $18.8 trillion in the second quarter of 2026, according to the Federal Reserve Bank of New York.
- Mortgage balances were about $13.1 trillion.
- Credit-card balances reached $1.26 trillion.
- Auto-loan balances climbed to $1.71 trillion.
- HELOC balances rose to $459 billion.
- About 4.7% of outstanding household debt was in some stage of delinquency.
- This does not mean all households are experiencing financial distress.
- But it shows just how much more pain higher interest rates could bring.
Millions of Americans Are Still Struggling to Pay Basic Bills
The Federal Reserve’s latest household financial well-being survey gives the human side of the numbers. Seventy-three percent of adults said they were doing okay financially or living comfortably. That means over a quarter of Americans are barely scraping by or struggling to make ends meet.
Even more revealing, 16% of adults said they had not paid all of their bills in full during the previous month, and 8% said their family sometimes or often did not have enough to eat.
Only 63% said they could cover a hypothetical $400 emergency expense entirely with cash or its equivalent. Fifty-eight percent said rising prices over the past year made their finances worse. The numbers reveal that, even with upbeat jobs data, many families still find daily life out of reach.
Jobs Remain Resilient—but the Labor Market Is Not Bulletproof
The August jobs report showed 162,000 jobs added, with unemployment remaining at 4.1%. Average hourly earnings increased 0.3% during August and 3.1% over the previous year, reaching $37.75. The labor-force participation rate edged up to 61.6%, but remained 0.5 percentage points below its January level.
About 1.9 million people had been unemployed for 27 weeks or longer. The labor market is not experiencing a collapse. The job market is holding steady—for now. For mortgage lenders, borrowers, and homeowners, employment trends are critical. Housing-related financial stress remains manageable when employment is stable; however, rising unemployment could rapidly alter these conditions.
Property Taxes Keep Becoming a Bigger Part of the Housing Affordability Crisis
Mortgage rates receive most of the attention. But property taxes deserve a much closer look. ATTOM found that nearly $396.8 billion in property taxes were levied on U.S. single-family homes in 2025, up 3.7% from the prior year. The average tax bill rose 3% to $4,427, while the national effective tax rate increased to 0.90%.
Illinois, New Jersey, and the Northeast Remain Property-Tax Hot Spots
The highest statewide effective tax rates in ATTOM’s analysis were in Illinois at 1.84%, New Jersey at 1.58%, Vermont at 1.40%, Connecticut at 1.36%, and Ohio at 1.32%.
New Jersey had the highest average tax bill at approximately $10,499, followed by Connecticut, New Hampshire, Massachusetts, and New York.
Some metropolitan markets saw extraordinary annual increases in average tax bills. Among metro areas with at least one million residents, ATTOM reported increases of 34% in Memphis, 27% in Baltimore, 11% in St. Louis, 10% in Houston, and 8% in Kansas City. For mortgage borrowers, these increases matter because taxes affect escrow payments and qualifying ratios.
Your mortgage rate might be locked in for 30 years, but your monthly payment can still climb thanks to rising taxes and insurance.
State Budgets Are Entering a More Difficult Era
Property-tax pressure also intersects with state and local budgets. Pew reported that 39 states were below their long-term tax revenue trajectories, based on the latest comparable data. Iowa, New Hampshire, and Louisiana showed some of the largest gaps relative to their long-term revenue trends.
Recent state budget debates provide examples of the pressure. Maryland lawmakers dealt with a roughly $1.5 billion structural gap, while Colorado confronted approximately $1.2 billion in structural imbalance.
New Jersey enacted a fiscal 2027 budget with a reported $1.35 billion structural deficit, while maintaining more than $6 billion in surplus reserves. That does not mean these states are out of money. It means state and local governments are being squeezed to juggle property-tax relief, schools, Medicaid, pensions, infrastructure, and more—all while revenue growth slows.
Washington’s Deficit Is Also Feeding the Bond-Market Debate
The federal fiscal picture matters directly to mortgage rates. The U.S. federal budget deficit reached approximately $1.97 trillion for the fiscal year through August, according to Treasury data reported by Reuters. That already exceeded the entire fiscal 2025 deficit. Government borrowing creates more Treasury securities for investors to absorb.
Reuters reported that concerns about heavy government borrowing and the country’s long-term fiscal trajectory were among the factors contributing to higher Treasury yields. And when Treasury yields climb, mortgage costs usually follow suit. The national debt debate extends beyond political discourse in Washington. Eventually, it can hit the monthly payment of any family hoping to buy a home.
Is the U.S. Housing Market Crashing?
Not nationally—not based on the latest verified data.
- Home sales are weak.
- Mortgage rates are high.
- New-home sales and construction have weakened.
- Inventory has risen.
- Some regional markets are seeing price declines.
The national median existing-home price was still 1.6% higher than a year earlier, and the national Case-Shiller index was still up 1.5%. It’s more accurate to call this a slow-moving, affordability-strained, and increasingly divided housing market—not a full-blown crash.
- Some cities may behave like buyer’s markets.
- Some markets may continue appreciating.
- Some high-tax or overbuilt areas may see much more pressure.
- National headlines can’t replace the real story in your local market.
The Bigger Housing Story: Monthly Payment Is Replacing Home Price as the Number That Matters
For decades, the big question was, “What’s the price tag on the house?”
Now, buyers have to ask a new question:
- What will the entire monthly housing payment cost me?
A $400,000 house with a low mortgage rate is a world apart from the same house with a 7% rate, higher taxes, and soaring insurance premiums. Addressing affordability will require more than simply reducing home prices. The market needs some combination of lower financing costs, higher incomes, more housing supply, slower growth in taxes and insurance, and realistic seller pricing. Unless several things improve at once, many families will keep running into roadblocks on the path to homeownership because of sky-high monthly payments.
GCA Mortgage Forums News Bottom Line for September 14, 2026
Monday sent up several flares that no one in housing or mortgages can afford to ignore.
- The 10-year Treasury briefly crossed 5%.
- Daily mortgage rates moved above 7%.
- Oil remained above $100.
- Headline CPI stood at 3.4%.
- Wholesale inflation reached 5.4%.
- Existing-home sales fell below a 4-million annual pace.
- Mortgage credit tightened.
- Mortgage delinquencies remained higher than a year earlier.
- Household debt stood at $18.8 trillion.
- Yet home prices nationally were still edging higher.
- This roundup captures just how unusual the U.S. economy is in September 2026.
- The economy is not experiencing a collapse.
- These are far from normal times.
For borrowers, homeowners, real estate pros, and investors, the big question is whether today’s high rates will finally cool inflation—or if stubborn energy costs and heavy borrowing will keep rates high and pressure building in housing and credit markets.
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Frequently Asked Questions About Mortgage Rates, Housing, and the Economy
Are Mortgage Rates Really Above 7% on September 14, 2026?
Yes, on at least one widely followed daily measure. Mortgage News Daily’s 30-year fixed-rate index was 7.17% on September 14. Freddie Mac’s most recent weekly average, dated September 10, was lower at 6.76% because the organization uses different methodologies and measurement periods.
Will the Federal Reserve Raise Interest Rates in September 2026?
A rate increase had not yet occurred as of September 14. However, a Reuters survey found that 85% of economists expected the Fed to raise its target rate by 25 basis points at its September 15-16 meeting. Markets were also assigning a high probability to a hike.
Will a Fed Rate Hike Automatically Increase Mortgage Rates?
No. Mortgage rates are influenced heavily by long-term Treasury yields, mortgage-backed securities, inflation expectations, and investor demand. A Fed decision can affect those markets, but mortgage rates do not move mechanically one-for-one with the federal funds rate.
What Is the Latest U.S. Inflation Rate?
The Consumer Price Index increased 3.4% over the 12 months ending in August 2026. Core CPI, excluding food and energy, rose 2.4%. Energy prices were 16.3% higher than a year earlier.
Why Are Mortgage Rates Rising Again?
The biggest current pressures include higher Treasury yields, stubborn inflation, surging oil prices, expectations of tighter Federal Reserve policy, and concerns about heavy government borrowing. The 10-year Treasury crossed 5% on September 14.
Is Now a Bad Time to Buy a House?
There is no universal answer. Higher mortgage rates hurt affordability, but increased inventory can create negotiating opportunities that were unavailable during the bidding-war years. Buyers should evaluate the total housing payment, cash reserves, expected ownership period, and local market—not simply the national headlines.
Are U.S. Home Prices Falling?
Not nationally, according to the latest major measures. NAR reported a 1.6% annual increase in the August median existing-home price, while Case-Shiller showed a 1.5% annual national increase in June. Individual metro areas can be very different.
Is the U.S. Housing Market in a Crash?
Current national data does not show a broad housing crash. Sales activity is weak, and affordability is strained, but national prices remain modestly above year-earlier levels. Some local markets may experience meaningful declines even when the national average does not.
Are Mortgage Delinquencies Increasing?
Compared with a year earlier, yes. MBA reported that the overall mortgage delinquency rate was 44 basis points higher year over year in the second quarter, while the foreclosure inventory rate was 19 basis points higher. FHA serious delinquencies showed a particularly large year-over-year increase.
Why Are Property Taxes Becoming Such a Big Housing Issue?
Property tax bills have continued to rise even as mortgage affordability has deteriorated. ATTOM reported that the average single-family property-tax bill rose 3% in 2025, while more than half of the large metros it analyzed experienced increases above the national average.
Is the Stock Market Guaranteed to Crash?
No. No credible source can guarantee the timing or magnitude of a future market crash. High Treasury yields, expensive sectors, geopolitical risks, inflation, and heavy debt can increase downside risk, but markets can rise or fall for long periods despite those conditions.
Why Are Gold and Silver Falling if Inflation Is High?
Gold and silver can benefit from inflation and geopolitical fear, but high Treasury yields and a stronger dollar can work in the opposite direction. Gold does not pay interest, so rising yields can make interest-bearing assets more competitive.
How Much Household Debt Do Americans Have?
The Federal Reserve Bank of New York reported approximately $18.8 trillion in total household debt at the end of the second quarter of 2026, including $13.1 trillion in mortgages, $1.26 trillion in credit-card balances, and $1.71 trillion in auto loans.
Are Americans Really Having Trouble Paying Basic Bills?
A Federal Reserve survey found that 16% of adults had not paid all their bills in full during the previous month, 8% reported that their family sometimes or often lacked enough food, and 58% said higher prices had worsened their financial situation.
What Should Homebuyers Watch Next?
The most important near-term indicators are the Federal Reserve’s September decision, the 10-year Treasury yield, daily movements in the mortgage rate, oil prices, upcoming inflation data, employment trends, home inventory, and local home price changes.
For borrowers already shopping for a home, rate volatility makes it especially important to stay in close contact with their loan officer, as purchasing power can change quickly.
About GCA Mortgage Forums Daily News
GCA Mortgage Forums Daily News and GCA Mortgage Forums News Weekend Edition provide continuing national coverage of mortgage lending, housing, real estate, consumer finance, inflation, interest rates, employment, precious metals, financial markets, and economic developments affecting American households.
GCA Mortgage Forums News is powered by Gustan Cho Associates. Our editorial objective is not to tell readers what they want to hear. It is to explain what happened, why it matters, what the verified numbers actually show, and what consumers should watch next.
That is how trust is earned.
And trust—not sensationalism alone—is what turns a daily visitor into a loyal GCA Mortgage Forums member.
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