New mortgage rate breakdowns weekly
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Tommy Spencer

Tommy Spencer

Tommy Spencer covers mortgages with a skeptical, question everything mindset, digging into the assumptions behind rate forecasts and lending practices. His style is direct and occasionally contrarian, pushing back on popular narratives about where rates are headed. Tommy spends much of his attention on niche loan products and unconventional financing paths, from jumbo loans to portfolio lending. He likes to challenge readers to think critically about lender incentives and marketing claims before signing anything.

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