Mortgage Rates & Local Spotlight: Supporting Clients and Small Businesses
- Kayla Sargent
- Sep 3
- 3 min read
Buying a home isn’t just about finding the perfect property — it’s about surrounding yourself with the right team, the right partners, and a supportive community. That’s why today’s blog highlights three of our trusted local partners — Austen Reaves Insurance guru, The Social Speakeasy, owned by our very own teammate Cassie Bhogal and along with Megan Davis of D4 Mortgage with the latest mortgage rate update.
🚨 Mortgage rate news you’ll actually want to hear 🚨
After months of up-and-down chaos, we’re finally seeing a little calm in the mortgage world — and even some dips that could mean big wins for buyers and homeowners.
What’s Happening in the Market
✨ Inflation is cooling off (and when that happens, rates tend to follow).✨ The Fed is hinting they might hit “pause” on future hikes — good news for borrowers.✨ Lenders are hustling harder for business in today’s slower housing market, which means better deals for you.
What This Means for Buyers
If you’ve been sitting on the sidelines waiting for rates to chill, now might be your moment. Even a tiny drop in your rate can make a noticeable difference in your monthly payment — and in how much you pay over the life of your loan. More house, less stress! 🏡
What This Means for Homeowners
Bought or refinanced in the last 18–24 months? 👀 It could be worth taking another look. A refinance might lower your monthly payment, help you pay your home off faster, or free up cash for other goals (hello, kitchen remodel or college fund).
The Bottom Line
Nope, rates aren’t going back to those jaw-dropping 2020–2021 lows anytime soon… but every dip counts. Staying plugged in — and ready to act when the timing’s right — can save you thousands.
That’s where Megan Davis and her team at D4 Mortgage come in. They’ll crunch the numbers, lay out your options, and help you figure out whether today’s shift is the green light you’ve been waiting for.
Meet Megan Davis – D4 Mortgage
Megan began her career in the mortgage industry back in 2010 after graduating from Texas Tech. With over a decade of experience in processing, closing, and post-closing audit, she took the leap into originating loans and launched D4 Mortgage in 2024. Today, Megan leads a growing team that serves clients across Texas and Louisiana, with plans to expand even further. Her passion is simple: helping families secure the best financing options while providing top-notch service every step of the way.
Local Spotlight: Austen Reaves Renegade Insurance
When it comes to protecting your home and everything that matters most, insurance is a key piece of the puzzle. That’s why we confidently refer our clients to Austen Reaves, a dedicated insurance broker who specializes in home, auto, and commercial solutions.
As a United States Navy Submarine Veteran, Austen brings discipline, integrity, and pride into every policy he writes. His approach is personal and educational — making sure clients not only get the coverage they need but also fully understand what their policy means for them and their families. With Austen, you’re not just another policy number; you’re a relationship he’s committed to protecting.
Local Spotlight: The Social Speakeasy – Cassie Bhogal
Looking for a local spotlight that blends style, entertainment, and a one-of-a-kind vibe? You’ll love The Social Speakeasy, a craft cocktail and fine dining establishment right here in Montgomery.
Family-owned and operated by two generations, The Social Speakeasy is all about transporting guests to a different time and creating unforgettable experiences. From live music every Friday, salsa nights, burlesque shows, free tastings, comedy acts, and more — it’s quickly become the go-to destination for everything from date nights to birthday parties.
Our very own Cassie Bhogal, an agent on The Closing Collective Team, is behind this gem. She brings the same passion for community and connection to both her real estate clients and her restaurant guests, proving that supporting local goes hand in hand with helping families feel at home.
The Closing Collective Team: Building Homes, Communities, and Connections
At The Closing Collective Team, we believe real estate is more than just transactions — it’s about building a community. That’s why we proudly partner with and spotlight businesses like Austen Reaves Insurance, The Social Speakeasy, and D4 Mortgage. Together, we ensure our clients are supported at every step: from financing to insurance, to finding their dream home, and even enjoying a local night out to celebrate.
We’re not just here to help you buy or sell a home. We’re here to help you feel at home in your community.
AMAZING!!