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The Minich Team

Name: The Minich Team
Address: 2701 E Insight Way, Suite 150, Chandler, AZ, 85286, US
Telephone: +14804950577

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Chandler, AZ
The Minich Team

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A Mortgage Loan Originator with 20+ years in the industry. a trusted local lender.

Terry helps clients reach homeownership goals with tailored solutions, great rates, and top-notch service—all backed by Barrett Financial Group L.L.C. Terry is a seasoned mortgage expert with more than two decades of industry experience, known for his results-oriented approach. He is passionate about supporting clients in realizing their homeownership dreams by offering personalized mortgage options and top-notch service. Working with Barret Financial Group L.L.C., a community-focused, independent Mortgage Banker, Terry takes advantage of Barrett’s efficient, low-overhead structure to deliver competitive rates and exceptional value to his clients. From helping first-time buyers and more sophisticated buyers navigate their purchase to assisting with refinancing, Terry ensures the mortgage process is smooth and worry-free. Beyond his professional life, he is deeply engaged with his church and cherishes being an active member of his local community, where he also values spending time with his family and nurturing his friendships.

11/12/2026

𝗘𝘅𝗶𝘀𝘁𝗶𝗻𝗴 𝗛𝗼𝗺𝗲 𝗦𝗮𝗹𝗲𝘀 𝗧𝗮𝗸𝗲 𝗮 𝗛𝗶𝘁 𝗮𝘀 𝗛𝗶𝗴𝗵𝗲𝗿 𝗥𝗮𝘁𝗲𝘀 𝗪𝗲𝗶𝗴𝗵 𝗼𝗻 𝗕𝘂𝘆𝗲𝗿𝘀

Higher mortgage rates continue to put pressure on the housing market.

Existing home sales dropped 5.5% in October compared to September, falling to an annualized pace of 3.75 million homes. Sales were also down 8.8% from October of last year.

Affordability and higher borrowing costs continue to challenge buyers, keeping a lid on housing activity.

The takeaway? Mortgage rates still matter, and they continue to play a significant role in the housing market.

11/10/2026

The MBS Highway National Housing Index slipped to 14 in November, down from 15 in October, marking its sixth straight monthly decline. Buyer activity continued to weaken, while the price direction index posted a modest one-point rebound after declining every month since May.

11/10/2026

Inflation picked up in October, with headline CPI rising 0.4% from the previous month, largely due to higher gas and energy prices. Core inflation, which excludes food and energy, increased 0.3%. Both readings came in higher than expected.

11/09/2026

Good news for investors: Capital gains tax brackets are going up for 2027. That means you get more breathing room before higher tax rates kick in!

11/09/2026

Good news for future filers: Tax brackets and standard deductions are increasing for 2027, potentially offering some tax savings when you file your return in April 2028.

11/06/2026

📖 5 trillion tech selloff left mortgage rates steady on Friday even after a stronger-than-expected jobs report — a sign stock-market fear, not labor-market strength, is now driving the bond market.

A $2.5 trillion tech selloff is keeping mortgage rates steady despite a hot jobs report — a temporary shield for buyers that could vanish as quickly as it…

11/06/2026

Getting your offer accepted is exciting, but there’s still work to be done before you get the keys! Once you’re under contract, your lender will verify your financial information, the property will go through the appraisal process, and your loan will move toward final approval and closing. During this time, keep your finances stable, respond promptly to requests from your mortgage team, and avoid taking on new debt or making major financial changes without checking with your loan originator first. Have questions about what comes next? I’m always happy to help guide you through the process and make sure you feel confident every step of the way!

11/06/2026

October’s jobs report came in much stronger than expected, with the economy adding 165,000 jobs, well above forecasts of around 60,000. Previous payroll estimates were also revised higher, while the unemployment rate edged down to 4.1%.

11/04/2026

📈 Mortgage Market Update

Markets are reacting to the election results this morning, with stocks and mortgage bonds both moving higher.

The takeaway? Markets are anticipating a divided government, potentially limiting new spending and easing some inflation concerns. Lower oil prices and concerns over future energy demand are also influencing the bond market.

However, volatility remains, and we're seeing some pressure on mortgage rates as investors react to the results.

What does this mean for homebuyers? It's a reminder that mortgage rates can move quickly based on economic and political developments. If you're considering buying or refinancing, let's talk about where rates stand and what opportunities may be available.

📲 Reach out anytime. I'm always happy to help you make sense of the market.

Address

2701 E Insight Way, Suite 150
Chandler, AZ
85286

Opening Hours

Monday	8am - 8pm
Tuesday	8am - 8pm
Wednesday	8am - 8pm
Thursday	8am - 8pm
Friday	8am - 5pm
Saturday	8am - 8pm
Sunday	8am - 8pm

Telephone

+14804950577

Website

https://www.barrettfinancial.com/tminich

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