PILLAR 01↗
People
First.
Best Places to Work, six years running. When you take care of your people, they take care of your customers — and your builder partners.
01
BUILT FOR BUILDERS · SINCE 2004
Financing
Financing
that fuels
your vision.
A mortgage partner purpose-built for builders. Predictable closings, dedicated appraisal rotations, and a builder portal your sales team will actually use.
WEEKLY MARKET BRIEF · WEEK 23
The market this week.
UPDATED 05/29/2026 · 09:00 MST
Sources: Freddie Mac PMMS · NAHB · FHFA · MBA · U.S. Census
▲ +0.02 WoW
NATIONAL AVG · 30-YR FIXED
6.53%
Conforming 30-year fixed, U.S. weekly average from Freddie Mac PMMS. The headline rate every buyer scenario starts from — and the number your sales floor leads with at the contract table.
YTD AVERAGE · 6.26%
· YTD HIGH
Source · Freddie Mac PMMS, week ending 05/28/2026
15-YR FIXED · NAT'L AVG
Conforming 15-year fixed
5.87%
▲ +0.02 WoW
FREDDIE MAC · WK 22
5/1 ARM · NAT'L AVG
Hybrid adjustable, initial rate
6.48%
— FLAT WoW
FREDDIE MAC · WK 22
NAHB / WELLS FARGO HMI
Builder confidence index
37
▲ +3 pts MoM
NAHB · MAY 2026 RELEASE
FHFA HOME PRICE INDEX
Purchase-only HPI, YoY
+4.7%
▲ vs +4.3% Q4
FHFA · MAR 2026 RELEASE
THIS WEEK'S READ
What it means for your contract table.
30-YR FIXED · 6.53%
Yesterday's PMMS came in at 6.53%, up 2 bps from last week's 6.51%. Small at the headline, but enough to shift a $400K payment by about $5/mo. Sales teams quoting buyers off last week's rate are showing a payment that's no longer real — pull a refreshed quote from HFG before every contract conversation this week so your floor is talking in current numbers.
15-YR FIXED · 5.87%
The 15-year nudged up 2 bps in lockstep with the 30-year. Move-up equity buyers still underwriting in the 5s remain the cleanest contract on your floor — pair with a small permanent buy and you've got a sub-5.5% payment narrative that beats most resale alternatives.
PENDING HOME SALES · 74.8
NAR's April Pending Home Sales Index rose +1.4% MoM to 74.8 — third consecutive monthly increase and the highest reading since November. Buyers are signing contracts at this rate environment. Translation for your floor: warm buyers who walked at last week's number deserve a refreshed payment scenario before they decide for good.
NAHB BUILDER CONFIDENCE · 37
HMI holds at 37 after May's +3 pt bounce, still below the 50 expansion threshold. 61% of builders are running incentives — 14th straight month at or above 60%. The competitive set is paying for buyers; quiet pricing won't close the gap.
10-Y TREASURY · 4.48%
10-Y closed Wednesday at 4.48%, down 9 bps from last week's 4.57%. The PMMS-to-Treasury spread sits at 205 bps this week. Treasury moves don't translate one-for-one to mortgage rates, so floor quotes should come off HFG's current rate sheet, not the headline Treasury number.
HFG · BUILDER PLAYBOOK
Featured this week: $400K FHA 30-yr permanent buydown to 4.875% with 5.5% builder concession — $419/mo buyer advantage every month for 360 months, ~$150.9K lifetime P&I savings. The "sub-5% forever" story your sales floor wants on every contract-week flyer. 48-hour turnaround for HFG to spec it for your community.
Talk to your builder rep →
See the full weekly builder brief →
Indicative market averages from public sources, weekly. Not an offer to lend. HFG rates are illustrative based on an FHA 30-year permanent rate buydown with 5.5% concession; APR 4.989%. Rates and APR current as of 05/29/2026 and subject to change daily without notice.
SERVICE COMMITMENT
Six promises. Zero excuses.
PROMISE 01
New-construction appraisal rotation
In-house panel that knows spec homes, options pricing, and forward-dated valuations.
PROMISE 02
30-day credit underwriting
Every builder file underwritten within 30 days. No moving target, no asterisks.
PROMISE 03
Docs 5+ days before close
To title at least five business days before COE. Sales team knows the deal is real.
PROMISE 04
Builder portal & co-marketing
Real-time pipeline visibility plus on-demand co-branded marketing flyers.
PROMISE 05
In-house condo approvals
CPM, PERS, DELRAP — handled by our team, never outsourced.
PROMISE 06
Credit Services Department
For buyers who can’t qualify today, a dedicated team that gets them there tomorrow.
The full loan menu.
Compare all products →PRODUCT 01→
Conventional
CONVENTIONALConforming + high-balance, fixed and ARM, builder-friendly underwriting.
PRODUCT 02→
Government
GOVERNMENTFHA, VA, USDA. 2-1 and 3-2-1 temporary buydown structures.
PRODUCT 03→
Jumbo
JUMBONon-conforming to $3M. Concession structures and bank-statement options.
PRODUCT 04→
HomeFlex
HFG ONLYProprietary forward commitment program. Built for new-construction inventory.
Who we are.
Where we're going.
Founded in Scottsdale in 2004. Family-owned. Built around three principles that haven't changed in twenty-two years.
People
PILLAR 02↗
Partner
Always.
We are an extension of your sales team. We co-market, we attend community openings, and we close on time. Every time.
02
PILLAR 03↗
Improve
Lives.
Every loan is a family in a new home. We exist to improve the lives we touch — borrowers, builders, and communities.
03
Footprint
Licensed in
Licensed in
38 states.
Wherever you're building, we can fund there. Our regional teams know the local market, the local appraisers, and the local title companies — because they live there.
Find your regional team →LOADING MAP…
38
states licensed
34
local offices
8
regional teams
REVIEWS · POST-CLOSE
What your buyers say
What your buyers say
after we close.
“
Lightning fast, informative, knowledgeable, and extremely friendly. I’d recommend them to anyone buying a home.
Zachary K.
February 2024
“
The entire team was attentive, focused, and committed to helping us with everything we needed to get the house.
Juan M.
February 2024
“
Very impressed with the timely closing. Always kept me up to date on how the transaction was moving along.
Kirk W.
January 2024
Let's build
something.
Tell us about your communities. We'll show you how HFG can shorten timelines, lift conversion, and put more keys in more hands this quarter.
Let's Connect →