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UMortgage Earns Second Consecutive Inc. 5000 Ranking for America's Fastest-Growing Private Companies

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Gregory Burkholder

Loan Originator |NMLS 144067

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Meet Gregory!

As your trusted UMortgage Loan Originator, my goal is to simplify the mortgage process to make your home loan experience easy to navigate! Please reach out so I can help start your home financing journey.

Serving Homebuyers In:

  • Texas

Mortgage Calculators

Monthly Payment

Affordability

Refinance

VA Entitlement & Payments

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Housing Market Update | Week of November 10th

Mortgage rates have been relatively flat since the Fed cut the fed funds rate in late October. The government shutdown has now prevented the release of two consecutive months of economic data, leaving markets without the necessary insight to inform monetary policy. There are murmurs that an agreement to end the shutdown is in the works, with hopes of a House vote on Wednesday. Once the shutdown ends, it will take a few weeks for our missing data to be released; if that data shows continued labor market weakness, the 10-year and mortgage rates should go lower. A quick reminder, markets are closed in observance of Veterans Day tomorrow. And if you’re curious, we’ll touch on the news of a potential 50-year mortgage below. Last Week's Mortgage Rate Recap Rates Were Flat Mortgage rates and the 10-year Treasury yield both finished the week essentially unchanged from the start of the week. Last week was supposed to be jobs week, but the BLS jobs report was delayed again because of the ongoing government shutdown. We did get private payroll data from ADP; the moderately positive report sent the 10-year a little higher on Wednesday before it fell back to 4.1% on Friday. The ADP report ultimately doesn’t tell the whole story about the labor market, mainly because it doesn’t cover government jobs, which will have a significant economic impact given the length of the shutdown. Friday also saw President Trump and FHFA Director Bill Pulte confirm that the administration is working on a 50-year mortgage. No other details were provided, but we do know that restrictions under the Dodd-Frank Wall Street Consumer Protection Act’s Qualified Mortgage (QM) rule don’t currently allow a 50-year mortgage. As of right now, I’d suggest taking the announcement with a grain of salt. This Week's Mortgage Rate Forecast Rates Could Move Slightly As of right now, it could be a relatively quiet week. Markets are closed tomorrow in observance of Veterans Day. Wednesday through Friday, we’ll hear from several members of the Fed. But the most significant potential market mover this week would be an end to the government shutdown; rumors suggest a House vote could take place on Wednesday. When the government reopens, it’ll be a slower trickle of these reports. We’ll get the September economic reports, which were due to be released in early October, within days of the end of the shutdown. However, the October reports (scheduled for release last week & this week) may be completely foregone, as the window for collecting October data may have closed. Regardless, for rates to keep falling, the reports we receive will need to show that the labor market continues to shrink and that inflation remains under control. If you have any questions or want some real-time market analysis from a mortgage expert, follow this link to connect with a UMortgage Loan Originator near you!

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How the 2025 Government Shutdown Affects the Housing Market

On October 1st, 2025, a shutdown of the federal government began. Believe it or not, government shutdowns can have a multifaceted impact on the housing industry and mortgages. To help you be prepared and stay in the know, here’s how the mortgage process and the housing market are affected. Quick Answer Closings haven’t stopped, but some files will move more slowly. FHA and VA are largely operating (with some limits), conventional loans continue to move under GSE guidance, USDA loans for new approvals are paused, and a lapse in the National Flood Insurance Program (NFIP) can block some flood-zone closings. Key economic reports are delayed, which can make mortgage rates prone to increased volatility when the shutdown ends. How a Government Shutdown Impacts Mortgage Rates During a shutdown, we get a “data blackout” from federal statistical agencies. For example, the September BLS labor report, which is typically one of the bigger market movers, was not released as scheduled on October 3rd. Other reports have been delayed; for example, our September CPI inflation report has been pushed to October 24, 2025. With no economic data leading up to our next Fed Meeting on October 29, the markets can’t fully forecast whether the Fed will cut, which could result in fewer gradual movements and more rate swings. Loan Programs: What’s Running and What’s Slowed Non-government-backed loan programs, such as Conventional Loans, will not be impacted by the government shutdown. Specific government-backed programs, like FHA loans and VA loans, are largely unaffected, but delays may occur. This shutdown most heavily impacts USDA loans. USDA Rural Development’s Single-Family Housing Guaranteed Loan Program largely pauses new activity. If a valid conditional commitment was already issued, some closings may proceed; otherwise, new USDA approvals will wait until staff return. National Flood Insurance Program (NFIP) The NFIP’s authority lapsed on September 30, 2025. Existing policies remain in force until expiration, but because of the shutdown, no new or renewed NFIP policies can be issued during the lapse. This can halt closings in flood zones that require NFIP coverage until reauthorization. Underwriting & Operations Delays If you’re a federal employee or contractor affected by a furlough, your loan may still be eligible. GSE guidance allows temporary flexibilities around employment verification; some files may need extra reserves if the shutdown extends. If you’re a prospective homebuyer wondering if a government shutdown will impact your homebuying or refinance process, or a real estate agent concerned with the impact this shutdown may have on your buyers, get in touch with a UMortgage Loan Originator for expert advice. They’ll be able to tell you how to navigate the market, act proactively to avoid delays, and find alternate solutions to help you close on time or as quickly as possible.

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UMortgage Q3 Snapshot: Families Served, Industry Awards, & New Tech

The third quarter of 2025 was a big one for UMortgage as it continued to create life-changing opportunities through homeownership. Between new industry accolades, first-of-its-kind technology, and thousands of families served, Q3 gave UMortgage plenty of momentum to close out the year strong as mortgage rates continue to drop. UMortgage started the quarter with a reminder of the company’s continued growth when it was named to the Inc. 5000 list of America’s fastest-growing private companies for the second year in a row. This prestigious award was earned after UMortgage grew its revenue by 716% from 2021 to 2024, helping 21,639 families build generational wealth through homeownership along the way. When mortgage rates dropped in Q3, UMortgage Loan Originators were quick to help homebuyers and homeowners take advantage of newfound affordability and savings. They originated a combined 1,729 mortgages, including 508 VA loans and 410 refinances, in 41 different states across the country. Each of these families received industry-best service throughout their mortgage process as well. UMortgage’s Net Promoter Score (NPS) was 98 out of 100 in Q3. A company’s NPS is earned through single-question surveys sent to clients immediately after closing to gauge their experience when it’s freshest. Positive relationships with borrowers and real estate agents are at the center of UMortgage’s ethos. To help UMortgage Loan Originators track and improve their relationships, UMortgage launched the Referral Partner Relationship Tracker in Q3 on Tempo, its proprietary sales performance tracking app. The Relationship Tracker, launched on August 15, 2025, provides every LO with a simple way to log touchpoints (calls, meetings, texts, and emails), view relationship health at a glance, and receive alerts when they need to reach out, all within Tempo. It’s integrated with ARIVE and Salesforce, so activity is captured automatically, and follow-up never falls through the cracks. The Tempo team is actively working on the Lead Tracker, which provides similar resources to deliver a consistent and excellent experience for individuals seeking a mortgage. The results of these tools within Tempo are more proactive communication with borrowers and agents, stronger referral pipelines, and a better post-closing experience. UMortgage and its Loan Originators are committed to providing prospective homebuyers, homeowners, and real estate with a best-in-class mortgage experience. Ready to learn more? Click here to see the products and services UMortgage offers. If you’re a Loan Originator interested in unlocking the tools available on the UMortgage platform, like Tempo, watch our Loan Originators Powered by UMortgage presentation, and a member of my team will be in touch.

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