Mortgages with Kip

For real estate agents · Central Oregon

Your Friday rundown, in about four minutes.

Where rates actually landed this week, and what that move did to your buyer’s number in dollars. What Bend inventory is doing, and the sentence to use at Monday’s listing appointment. A script you can say out loud at Saturday’s open house. And one thing worth doing in town this weekend.

I’m Kip Pierson, a loan officer here in Bend. I write it Friday morning, you read it before your first showing, and it costs nothing.

Read by 219 agents at 52 Central Oregon brokerages · NMLS #1725449

What lands in your inbox

Five sections. Every one of them
is something you can use by Saturday.

Rate Read

Where the 30-year fixed landed, what moved it, and what that move did to your buyer’s ceiling. Translated into dollars, because “rates ticked up” has never helped anybody write an offer.

“On a $700K Bend home, that shift trimmed a buyer’s ceiling by about $6K on the same monthly budget. Anyone at the top of their pre-approval range is worth a quick call before they write.”

Market Analysis

Active listings, months of supply, the single-family median, and how fast a priced-right home is going pending. Then the part that actually matters: how to say it out loud when a seller asks what their home is worth.

“Anchor to the $780K median and 3.5 months of supply. Homes priced to today go pending in about a month. Homes chasing last year’s frenzy pricing are the ones sitting.”

Loan Tip from Uncle Kip

The financing details that quietly cost people deals. Why a seller-paid buydown can beat a $10,000 price cut. Why close of escrow should read “30 days from acceptance” and not a calendar date. Why the inspection gets paid with a debit card and not a credit card.

“A $10,000 price cut lowers a payment by about $55. A $10,000 seller-paid buydown can lower it by $200 or more in the first year.”

Open House Script

One thing to say, word for word, with the reasoning underneath it so you can make it your own. Small changes in how a question is asked change what people tell you.

“Ask ‘Who’s your real estate agent?’ Not ‘do you have an agent?’ Don’t hand them a yes-or-no question right there.”

Kip’s Bend Pick

What’s actually happening in town this weekend, from someone who is out there with his family. Useful the next time a relocation buyer asks what there is to do here and you want a better answer than “lots of hiking.”

On Call This Weekend

Whether Kip is around Saturday and Sunday to run numbers for a buyer you’re not sure about. Plus the occasional one-page tool, free and no strings:

Don’t take my word for it

Read a few before you sign up.

Every edition Kip has sent is posted here in full, nothing held back for subscribers. If the last three are worth four minutes of your Friday, the next one will be too.

August 28, 2026

7 Scripts for your Content (no strings attached)

7 fill-in-the-blank scripts to film today, rates flat at 6.75% into Friday's Fed talk, and the frenzy tax is gone in Bend.

Read this edition → Read the August 28, 2026 edition

August 21, 2026

Who Touched the Thermostat!?!?!

Rates at 6.76% on an oil bump, Bend homes pending in 33 days, the Stalled Listing Rescue Plan, and a thermostat fix for open houses.

Read this edition → Read the August 21, 2026 edition

August 14, 2026

One word is killing your open house conversations

Rates at 6.74%, the lowest in three weeks, Bend homes going pending in 31 days, a one-word open house fix, and the Concession Playbook.

Read this edition → Read the August 14, 2026 edition

Read all 10 editions

Before you put your email in a box

The questions you’re
probably already asking.

Do I have to send you business to be on it?

No. It goes to any agent who asks for it, and it keeps going out whether you ever send a client my way or not. That is how it has to work under RESPA, and honestly it is how I’d want it anyway. If the newsletter is only good because there’s a string attached to it, it isn’t good.

How often is this going to hit my inbox?

Friday mornings. One email. That’s the entire commitment. No drip sequence underneath it, no “just following up” on Tuesday.

What if I don’t work in Bend?

There’s a version for agents outside Central Oregon. Same rate read, same loan tips, same open house scripts, with a regional pick in place of the Bend one. Sign up here and reply to the first one to tell me where you work, and I’ll move you over.

Are you going to sell my email to somebody?

No. It goes into the list I send the Pulse from and nowhere else. Unsubscribe link at the bottom of every edition, one click, and you won’t get a follow-up asking why.

Who’s writing this?

I’m Kip Pierson, a Senior Loan Officer at Northwestern Home Loans here in Bend (NMLS #1725449). I’ve bought ten homes of my own and nobody ever sat me down and explained the process, so I got in the habit of over-explaining it. Most of what’s in the Pulse started as something I said on the phone to an agent who asked a good question. If you’d rather just talk, my number is 202-329-9187 and I do answer it.

This Friday

Four minutes, and you walk into the weekend knowing the numbers.

Put your name in, and the next Pulse shows up Friday morning. If it turns out not to be useful, the unsubscribe link is right there at the bottom and I won’t chase you.

Would rather have a conversation? Grab fifteen minutes on Kip’s calendar, or text 202-329-9187.