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ReNew Lending
June 2026 · Employee Edition

New Light.
New Plan.
New Purpose. ♡

Your monthly update on homeownership, down payment options and financial wellness.

Get Your Free Credit Snapshot

Market Snapshot

National Average 30-Year Fixed Rate
6.45%*
as of 5/30/26
Rates Range Nationwide
6.30–6.60%*
Source: Freddie Mac
30-YEAR FIXED RATE TREND
7.22%
MAR '26
6.81%
APR '26
6.45%
MAY '26

Rates are stabilizing and inventory is improving in many markets. More choice. More opportunity.

YOU MAY NOT NEED 20% DOWN!

Many buyers have more options than they think.

CONVENTIONAL
as little as
3%
DOWN
FHA
as little as
3.5%
DOWN
VA LOANS
for eligible veterans
0%
DOWN
💡
DID YOU KNOW?
There are 2,679+ Down Payment Assistance Programs available nationwide!
Source: Down Payment Resource Q1 2026

4 Smart Moves in Today's Market

1
Start Earlier Than You Think
The best buyers prepare 6–12 months ahead.
2
Improve Credit Gradually
Small improvements today can mean big savings later.
3
Explore Assistance Programs
Grants, loans and programs can shrink upfront costs.
4
Ask Questions Without Pressure
Education first. Strategy second. No obligation.
Real Estate Direction

What To Know Right Now

The Housing Market Is Moving Toward Balance

After several years of intense competition, the housing market is shifting toward a more balanced pace.

  • Inventory is increasing in many areas
  • Sellers are offering more concessions
  • Price growth has slowed
  • Buyers have more time to make decisions

A balanced market creates better opportunities for prepared buyers.

Why More Americans Are Asking About Down Payment Assistance

High home prices and interest rates have many buyers looking for help with upfront costs.

  • 33% of borrowers are actively asking about down payment assistance
  • 45% are asking about zero-down financing options
  • Over 2,600 assistance programs are available nationwide

Many people disqualify themselves before ever asking questions.

What Helps Buyers Win In Today's Market

Seller Concessions Are Returning
Sellers are more open to helping with closing costs and rate buydowns.
Inventory Is Improving
More homes on the market means more choice and less pressure.
Buyers Have More Negotiating Power
Today's buyers have more leverage than they have in recent years.
Assistance Programs Are Expanding
More options than ever exist to help reduce upfront costs.
Preparation Matters More Than Timing
A strong plan today puts you in a better position tomorrow.

"The best opportunities often appear when markets become more stable — not necessarily when headlines are the loudest."

Real Sage Stories

A New Plan.
A New Path Forward.

Two Sage employees recently reached out saying homeownership — or financial recovery — was completely out of reach.

  • Both felt discouraged.
  • Both assumed there were no options.
  • Both believed they needed to "fix" everything first.

They started the conversation.

Together, we reviewed the full picture, explored realistic next steps, and created a personalized action plan focused on financial recovery and future homeownership goals.

And almost immediately, the situation began to feel different.

Not because everything changed overnight. But because uncertainty was replaced with clarity.

New light.
New plan.
New purpose.

Many Buyers Start Before They Feel Ready

  • "I thought my credit was too low."
  • "I assumed I needed 20% down."
  • "I didn't think anyone could help."
  • "I thought I needed to pay everything off first."
The first step is a conversation.
The next step is a plan.
We'll help with both. ♡

Ways We Can Help You

First-Time Homebuyer Financing
Down Payment Assistance
FHA | VA | USDA Loan Options
Vacation & Investment Properties
Refinancing & Refi Options
Financial Wellness Conversations
Thank you, Sage team, for all you do every day! ♡
🎉 Exclusive Sage Employee Benefit

You Work Hard.
We Work for You.

ReNew Lending has created an exclusive savings package available only to Sage Hospitality Group employees.

Up to $1,000
Reduced Admin Fees
$1,000 in upfront savings — admin and processing fees reduced exclusively for Sage employees.
Up to $1,000
Appraisal Waiver Credit
An appraisal credit at closing on qualified funded loans — $800–$1,000 eliminated.
0.25%–0.5% Off
Reduced Interest Rate
Specially negotiated rate pricing designed to be meaningfully better than typical retail options.
Dedicated Support
VIP Concierge Service
A dedicated mortgage concierge whose role is to guide you — at your pace, pressure-free.

Plus, every Sage employee gets:

No pressure, no obligation consultations
Spanish-speaking loan officers available
Evening & weekend appointments
Text, call, or email — you choose
First-time buyer education included
Ready to see what you qualify for?
Claim Your Benefits

Free. No credit pull. No obligation.

FAQ

Questions We Hear All the Time

We don't just do loans.
We build plans, hope and futures.

We're here for you.
Every step. Every question. Every goal.

Let's start the conversation. ♡

sage.renewlending.com Call or Text 702-527-3348
No Pressure. No Obligation.
Dedicated Sage Support Team
National Guidance
Personalized Consultations

*Rate range reflects estimates from multiple lenders as of 5/30/26. Your rate may vary. Rates change daily. This is not a commitment to lend.