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Pick Your Rate

Name: Pick Your Rate
Address: 424 Main Street , Ste 3, Watertown, CT, 06795, US
Telephone: +12039066340
Price range: $$

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United States
Watertown, CT
Pick Your Rate

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NMLS 2323240

10/27/2026

Could USDA financing fit your home search? Swipe for three things to understand about the USDA Single Family Housing Guaranteed Loan Program: location, household income, and the home you plan to live in.

No down payment is required for qualified borrowers, but closing costs, taxes, homeowners insurance, and USDA upfront and annual guarantee fees still apply. Income limits vary by location and household size. Income verification, credit review, repayment ability, property appraisal and program requirements apply. All loans are subject to lender underwriting and approval.

Have questions? Contact Pick Your Rate at pickyourrate.com or (860) 969-0222.
https://pickyourrate.com

Pick Your Rate is powered by Lennox Mortgage Group LLC, Mortgage Broker, NMLS #2323240. We arrange financing through third-party lenders; we do not make mortgage loans. Approval and funding are the lender’s responsibility. Equal Housing Opportunity.

MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER.

Educational information only; not a loan offer or commitment to lend. Lennox Mortgage Group LLC is not affiliated with or endorsed by USDA or any government agency. Program availability and requirements may change.

10/21/2026

🚨Your weekly Housing Update!

Swipe through the latest housing market updates for CT, FL and CO.

Give us a call to discuss your options!

📲 (860) 969-0222
🌐 pickyourrate.com

Lennox Mortgage Group LLC | Mortgage Broker
NMLS #2323240 | Equal Housing Opportunity

MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER

10/20/2026

Your next chapter shouldn’t have to wait. 🏡 We help get loans clear to close in typically 15 calendar days from receipt of a complete application and documents.

Ready to move forward? Visit pickyourrate.com.

Timing varies; approval and closing are not guaranteed. Third-party lenders determine approval and funding.

Lennox Mortgage Group LLC | Mortgage Broker | NMLS #2323240 | Equal Housing Opportunity

MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER

10/19/2026

Your mortgage should fit your life—and understanding the numbers is a good place to start. 🏡

Before choosing an option, ask about your total monthly payment, cash needed at closing, and the costs tied to your rate.

Save this checklist for your homebuying journey.

Have questions? Pick Your Rate can help you compare options and understand the trade-offs.

pickyourrate.com | (860) 969-0222

Lennox Mortgage Group LLC | Mortgage Broker | NMLS #2323240
We arrange financing through third-party lenders. Loan approval and funding are determined by the lender.
Equal Housing Opportunity
MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER

10/14/2026

🏡 Three states. Your next move.

Swipe through our latest published housing market updates for Connecticut, Florida, and Colorado to see available homes, contract activity, and closed sales.

📍 Connecticut: October 9 snapshot
📍 Florida: August 2026 report
📍 Colorado: September 2026 report

Reporting periods vary by state. Connecticut’s under-agreement figure reflects existing contracts; Colorado’s contract figure shows a year-over-year percentage change.

Thinking about buying? Let’s explore your mortgage options through our network of lending partners.

📲 (860) 969-0222
🌐 pickyourrate.com

Lennox Mortgage Group LLC | Mortgage Broker
NMLS #2323240 | Equal Housing Opportunity

MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER

10/13/2026

Before you pick a rate, compare the full picture: your monthly payment, cash to close, and how long you expect to keep the loan.

Want help understanding the tradeoffs? 🏡 Click the link in our bio to connect with Pick Your Rate and explore your mortgage options.

Lennox Mortgage Group LLC | Mortgage Broker
Company NMLS #2323240 | Equal Housing Opportunity

MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER

10/12/2026

🏡 THINK YOU NEED 20% DOWN TO BUY A HOME? THINK AGAIN! 🚫

One of the biggest mortgage myths keeping potential homebuyers on the sidelines is the belief that you need 20% saved for a down payment.

The truth? You may need a lot less than you think! 👇

🏠 Conventional Loans: As little as 3% down

🏠 FHA Loans: As little as 3.5% down

🇺🇸 VA Loans: 0% down for eligible borrowers

🌾 USDA Loans: 0% down for eligible properties and borrowers

Here's what many buyers don't realize: Putting 20% down isn't necessarily the smartest financial move.

Depending on your situation, keeping more money in savings for emergencies, home improvements, or other financial goals may make more sense.

The key is understanding your options, comparing the numbers, and choosing a mortgage strategy that works for YOU.

Your mortgage. Your choice. Pick Your Rate. 🖤💛

Pick Your Rate | Powered by Lennox Mortgage Group LLC
NMLS #2323240 | Licensed in CT, FL & CO

Mortgage Broker Only, Not a Mortgage Lender or Mortgage Correspondent Lender.

This information is for educational purposes only and is not a commitment to lend or a guarantee of financing. All loan programs are subject to borrower qualification, credit approval, income and asset verification, property eligibility, appraisal requirements, and applicable underwriting guidelines. Minimum down payment requirements vary by loan program. VA and USDA zero-down financing is available only to eligible borrowers and properties; closing costs and other expenses may still apply. Conventional loans with less than 20% down may require private mortgage insurance. FHA loans require mortgage insurance. Loan programs, terms, and eligibility requirements are subject to change without notice. Not all applicants will qualify.

www.pickyourrate.com

10/08/2026

🏡 Housing Market Update | Connecticut • Colorado • Florida

Understanding the housing market helps you make informed decisions about your next move.

🔑 Active listings show how many homes buyers have to choose from.
📝 Pending contracts show buyer activity—but check whether the number represents newly signed contracts or all homes awaiting closing.
🏠 Closed sales show completed transactions during the stated reporting period.

Together, these numbers help buyers understand competition and sellers set realistic expectations for pricing and timing.

📍 Connecticut: How does the market compare with last year?

Comparing August 2026 with August 2025:
• Single-family inventory edged down 0.7%, from 5,779 to 5,737 homes.
• Single-family closed sales fell 6.2%, from 2,798 to 2,625.
• Townhouse/condo inventory increased 20.3%, from 1,466 to 1,764, while closed sales fell 7.2%, from 746 to 692.

Yet median sale prices rose 6.2% for single-family homes and 5.0% for townhouses/condos.

The takeaway? Fewer sales don’t automatically mean lower prices. Connecticut’s trends differ by property type, and your town, budget and goals matter.

Swipe through for the latest reports available as of October 6, 2026. Reporting periods vary by state; the Connecticut year-over-year comparison above uses full-month August data.

Ready to understand how your financing options fit your next move? Connect with Pick Your Rate at pickyourrate.com.

Source for CT comparison: CT REALTORS® / SmartMLS, August 2026 Housing Summary.

Lennox Mortgage Group LLC | Mortgage Broker
Company NMLS #2323240 | (860) 969-0222
Equal Housing Opportunity
MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER

10/07/2026

Education is at the forefront of Pick Your Rate’s 3 Pillars! T.E.A. Transparency. EDUCATION. Affordability. Great training session today with The Lamacchia Realty 🏡 team! Thank you for having us!

10/07/2026

The house price hasn’t changed. But has the payment?
When mortgage rates rise, an earlier preapproval may need another look. Higher payments can affect both your budget and the amount you qualify to borrow.
Agents: before submitting an offer, coordinate with the buyer’s mortgage professional to confirm the property-specific payment and updated preapproval.
Buyers: review the total monthly payment, estimated cash to close, and available rate options—not just the purchase price.
Run the numbers before you commit.
Pick Your Rate | Powered by Lennox Mortgage Group LLC | NMLS #2323240
Mortgage Broker Only, Not a Mortgage Lender or Mortgage Correspondent Lender.
Preapproval is not a commitment to lend. Rates, pricing and eligibility are subject to change.

Address

424 Main Street , Ste 3
Watertown, CT
06795

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+12039066340

Website

http://www.pickyourrate.com/

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