🔥 Give a warm welcome to our newest MVP in the community — MKristo “MK” Bruce! 🔥 We’re excited to introduce @Mkristo Bruce, Branch Manager and top mortgage pro with Guild Mortgage — and a guy who brings championship-level leadership both in business and in life! MK isn’t just any mortgage expert — he’s a local Washingtonian, raised in Seattle, a Washington State University alum, and a former NFL standout who played for the Miami Dolphins, Oakland Raiders, and Jacksonville Jaguars. After his pro football career, he shifted into business and leadership — building strong relationships and serving his community with heart. Today, MK brings that same relentless work ethic and team-first mindset to helping families make the biggest financial investment of their lives — finding the right home loan with confidence and clarity. What makes MK stand out: 🏡 Trusted mortgage advisor known for honest, thorough service 🤝 A leader deeply connected to community ⭐ Exceptional reviews from clients who rave about his care, responsiveness, and passion 📈 A relationship-builder who understands both people and numbers Whether someone is buying their first home, refinancing, or planning their next move — MK has the experience and heart to make it smooth, successful, and stress-free. 👉 Drop a comment and show some love for MK — and if you or someone you know could use top-tier mortgage expertise, you now know who to call! 206-226-4648 [email protected]

Please CLICK HERE for your Momentifi Bond Market Update for Today Please CLICK HERE for your Momentifi Top Items That May Impact Mortgage Rates this week Please CLICK HERE for your MBS (Mortgage Backed Securities) Highway by Highway Weekly report (Week of December 1st 2025 in Review) 1-Minute Social Media Video Idea: 1. Top Three Questions for 2026 Cash-Flow Planning: CLICK HERE Google: “Fixed mortgage interest rate national average” answer for 12/08/2025: 30 year. 6.27% The story of the candlestick chart for 12/08/2025 8:43 AM: The red candlesticks with downward movement are “bad” for fixed mortgage rates, and the green candlesticks with upward movement are “good” for fixed mortgage rates. The bond market is currently at negative (red) 14 basis points. To prevent unwanted marketing calls please go to: https://www.donotcall.gov/ To stop unwanted marketing mail please go to: https://www.optoutprescreen.com/ @Emily Howard Mortgage Advisor, CMPSNMLS# 1633389- AL, AK, AZ, CA, CO, FL, HI, ID, IL, IN, IA, MI, MN, MO, MT, NM, OH, OK, OR, TN, TX, VA, WA32129 Weyerhaeuser Way South, Suite 204Federal Way, WA 98001

Please CLICK HERE for your Momentifi Bond Market Update for Today Please CLICK HERE for your Momentifi Top Items That May Impact Mortgage Rates this week Please CLICK HERE for your MBS (Mortgage Backed Securities) Highway by Highway Weekly report (Week of November 24th 2025 in Review) 1-Minute Social Media Video Ideas: 1. Housing Market Update: 2026 Loan Limits: CLICK HERE 2. Market Update: Home Values Have Grown by 2.2% : CLICK HERE Google: “Fixed mortgage interest rate national average” answer for 12/01/2025: The story of the candlestick chart for 12/01/2025 10:27 AM: The red candlesticks with downward movement are “bad” for fixed mortgage rates, and the green candlesticks with upward movement are “good” for fixed mortgage rates. The bond market is currently at negative (red) 16 basis points. To prevent unwanted marketing calls please go to: https://www.donotcall.gov/

Please CLICK HERE for your Momentifi Bond Market Update for Today Please CLICK HERE for your Momentifi Top Items That May Impact Mortgage Rates this week Please CLICK HERE for your MBS (Mortgage Backed Securities) Highway by Highway Weekly report (Week of November 10th 2025 in Review) 1-Minute Social Media Video Ideas: 1. IRS Announces Changes to Retirement Plans for 2026: CLICK HERE 2. The Rules of 25 and 72: CLICK HERE Google: “Fixed mortgage interest rate national average” answer for 11/17/2025: The story of the candlestick chart for 11/17/2025 8:14 AM: The red candlesticks with downward movement are “bad” for fixed mortgage rates, and the green candlesticks with upward movement are “good” for fixed mortgage rates. The bond market is currently at negative (red) 2 basis points. To prevent unwanted marketing calls please go to: https://www.donotcall.gov/

Please CLICK HERE for your Momentifi Bond Market Update for Today Please CLICK HERE for your Momentifi Top Items That May Impact Mortgage Rates this week Please CLICK HERE for your MBS (Mortgage Backed Securities) Highway by Highway Weekly report (Week of November 3rd 2025 in Review) 1-Minute Social Media Video Ideas: 1. The Gift Tax Myth: How it Impacts You (2026): CLICK HERE 2. The Gift Tax Myth: How it Impacts You (2025): CLICK HERE Google: “Fixed mortgage interest rate national average” answer for 11/10/2025: The story of the candlestick chart for 11/10/2025 8:58 AM: The red candlesticks with downward movement are “bad” for fixed mortgage rates, and the green candlesticks with upward movement are “good” for fixed mortgage rates. The bond market is currently at negative (red) 11 basis points.