Anthony C Bennett NMLS #252047

Anthony C Bennett NMLS #252047 With over 30 years in the industry, Anthony "Tony" Bennett is a local Mortgage Professional serving Oregon residents exclusively.

Anthony is a true Oregon native, born and raised. He has been involved in the industry ever since he was big enough to carry his father's tools for the family’s residential and commercial real estate business. Early physical labor led to occasional office work and eventually he started assisting his mother with open houses for the family real estate developments. These developments were located al

l throughout the Portland area and surrounding suburbs. His early years in the real estate industry led Anthony to formulate an understanding about the complexities that are behind every aspect of buying and selling a home. After high school Anthony shifted his focus towards marketing and production while attending Portland State University. During his studies Anthony started working in a marketing department with a local mortgage company. He began as an assistant and eventually worked his way up to become the marketing coordinator. The marketing department was responsible for producing and distributing all advertising materials, while enhancing techniques for continued business production. This department also oversaw recruiting and training. During these training seminars, Anthony learned the fundamentals of loan origination and decided to shift his focus towards becoming a Mortgage Loan Consultant. For several years, Anthony built up his clientele and networked with other real estate professionals throughout the greater Northwest. He also expanded his experience by working on coordinating and financing commercial real estate. For years, Anthony worked with housing developments, strip malls, multipurpose business facilities, resorts, golf courses, apartments and condominium developments. He soon found, however, that his passion was in residential mortgage lending where he could assist individuals and families secure a new home and meet their financial goals. In 2024 Anthony joined the team at Guardian Mortgage. He brought with him over 28 years of experience and the motivation to build on the reputation that VMG is known for in the primary mortgage market. Anthony has enjoyed being able to help local homeowners and potential homeowners refinance and purchase new real estate with a wide arrange of lenders to compare and the positive outcome a unique position can offer. In his spare time Anthony enjoys being with family and loved ones. As a native Oregonian, he also enjoys the great outdoors which includes skiing, snowboarding, biking, hiking, kayaking and running. Anthony also has an ever-growing love of cooking and exploring all the culinary delights of the Pacific Northwest and shares his experiences with an audience that follow his blogs.

09/04/2026

If you have ever loved the idea of living in Lake Oswego but felt like that door was closed this is a story worth paying attention to.

Lake Oswego has always been one of those areas that keeps things pretty exclusive. Not a lot of new homes going up. Limited inventory. And that has made it genuinely tough for a lot of buyers to break in no matter how much they wanted to be there.

But here is the exciting part.

The state just told Lake Oswego it needs to open up and make room for significantly more homes in the years ahead. We are talking a major jump from what was previously planned. The exclusivity that defined this market is about to face a real shift driven by state-mandated housing expansion.

Here is what that means for you.

If you have felt priced out of Lake Oswego today there is a real wave of new opportunity coming to one of the most desirable areas around. Getting ahead of that wave is how buyers position themselves before competition catches up.

And if you already own in Lake Oswego your home is sitting in a market that everyone is about to start paying a lot more attention to. That is a powerful position to be in.

This is exactly the kind of shift you want to get ahead of rather than react to after the fact.

Let's schedule a loan consultation and build your plan now. Reach out anytime.

08/29/2026

A Portland development story most agents have not connected to their client conversations yet and it is one worth having right now.

On July 16th Portland released a draft term sheet to renovate the MODA Center and lock in the Portland Trailblazers for another 20 years. That is a major anchor investment for the 30-acre Rose Quarter campus in the Lloyd District.

Let that sink in. A 20-year commitment from the Trailblazers combined with a full renovation of the MODA Center and a broader Rose Quarter redevelopment vision that includes mixed-use entertainment and residential development. That is not a rumor. That is a signed term sheet.

And in 2030 the MODA Center will host the NCAA Women's Final Four.

For agents working Northeast Portland, Irvington, Boise-Elliot, and the Lloyd District this changes the conversation with buyers and investors right now. Not in five years when the market has already priced it in. Right now.

Sports anchor investments of this scale have a documented history of reshaping surrounding property values for decades. The neighborhoods adjacent to major arena redevelopments consistently see appreciation that precedes and then accelerates after construction milestones.

The buyers who position now capture the upside that comes before the broader market catches up. The ones who wait until the project is complete pay the premium.

Position your clients for the Lloyd District's next chapter. The blueprint is already on the table.

What would you like me to cover next? Drop a topic in the comments or send me a DM. Your question could be the topic of my next video!

08/21/2026

Some encouraging economic news came out this week and it is worth understanding what it means for real estate right now.

Both consumer and wholesale inflation showed signs of cooling this week. Here is why that matters. Lower inflation can reduce pressure on the bond market and help create a more favorable environment for mortgage rates over time. Rates are also influenced by employment data, Federal Reserve expectations, and other economic developments so no single data point tells the whole story. But cooling inflation is a constructive signal worth paying attention to.

At the same time buyers in many markets have more negotiating power than they realize right now.

More homes are available than we have seen in years. Some sellers are actively reducing their prices. And buyers may be able to negotiate closing cost assistance or a temporary rate buydown that meaningfully changes the payment picture without waiting for rates to move on their own.

The takeaway is not to wait for the perfect rate or try to time the market. It is to understand the real opportunities that exist right now and position yourself to take advantage of them.

If you stepped away from the market at some point this year this may be a good time to reconnect, update your numbers, and see what may actually be possible for you today.

Reach out and let's take a fresh look at where things stand.

What would you like me to cover next? Drop a topic in the comments or send me a DM. Your question could be the topic of my next video!

08/15/2026

Think your buyers can't afford Portland? The condo market may change that conversation.

Portland's median condo price is around $325,000, compared with $564,900 for a typical single-family home in the Portland metro area. That's roughly a $240,000 gap.

And condos are taking an average of 119 days to sell, giving buyers more time and potentially more negotiating power.

For first-time buyers who have been priced out of Portland's single-family market, a condo could be a strategic entry point.

Agents, this is a conversation worth having with clients who think homeownership is out of reach.

What would you like me to cover next? Drop a topic in the comments or send me a DM. Your question could be the topic of my next video!

05/29/2026

Hey everyone, Anthony here with your weekly update for May 29th, 2026, and this week I have a Portland number I bet your clients have never heard.

In February, agents in the Portland metro recorded 56,365 lockbox activations. That is actual buyers physically walking into homes. And that number was up nearly 20 percent from last year, the highest level since 2022. So when people tell you the market is sleeping, the lockboxes are telling a very different story.

Then in April, supply caught up with 3,396 new listings hitting the market, a 24 percent jump from March. Both buyers and sellers showed up at the same time, which honestly does not happen often. The lock-in effect is finally cracking. Sellers who have been holding onto their low rates are starting to list. Buyers are touring in numbers we have not seen in years. And pending sales are moving right along with it.

If you have a seller who has been waiting for the right buyer pool to show up, this is it. And if you have buyers who think they have all the time in the world, that buyer pool has friends and competition is building.

Reach out and let's talk through what this means for your specific situation right now.

05/22/2026

Big news. Kevin Warsh was just confirmed as the new Federal Reserve chair and everyone is asking the same question: what does this mean for mortgage rates?

Here is the truth most people miss. The Fed actually controls short-term lending rates between banks. Mortgage rates are driven by the long-term bond market, inflation expectations, and investor sentiment. Those are completely different levers and a new Fed chair does not flip a switch that instantly moves your mortgage rate in either direction.

Rate decisions still go through a 12-member committee regardless of who is in the chair. And with inflation currently sitting at 3.8 percent, the Fed will likely stay patient through Warsh's first few meetings rather than making dramatic moves in either direction. The good news is that industry leaders are pointing to one word to describe the outlook under new leadership: stability. And stability is exactly what buyers need to confidently plan their next move.

If you want to know where mortgage rates are actually headed, stop watching Fed headlines and start watching the bond market. That is where the real story lives.
Follow me for more on what is actually moving the market right now.

05/15/2026

I want to share something a little different this week. Less market data, more business strategy, and this one is worth paying attention to.

NAR surveyed nearly 50,000 agents and found that while 68 percent have used AI in some form, only 17 percent say it has made a significant positive impact on their business. That gap says everything. The agents who are actually winning with AI right now are not using it for complicated things. They are using it for the time-consuming tasks that eat their day alive. 68 percent are writing listing descriptions with it, 59 percent are creating social media content, and 53 percent are drafting emails and newsletters. That is an hour or more back in your day every single day.

But here is where it gets genuinely exciting. PwC just released their Emerging Trends in Real Estate 2026 report and they are calling the next phase agentic AI, tools that plan and act with minimal prompting and run continuous processes around the clock without you being in the room. This second wave is just beginning to hit residential real estate, and the agents who figure it out now will have a real and lasting competitive edge over those who wait.

The agents winning with AI are not the most tech-savvy people in the room. They are the ones who treat it like a capable junior assistant and put it to work consistently. Follow me for more ways to grow your real estate business.

05/08/2026

Something just changed in mortgage underwriting that every real estate agent needs to know about and every buyer who has ever been told no needs to hear.

On April 22nd, HUD, Fannie Mae, and Freddie Mac officially rolled out VantageScore 4.0 and FICO 10T for mortgage underwriting. This is the biggest credit scoring update in 30 years and the implications for your buyer pool are significant.

Here is what changed. The new models now factor in on-time rent payments and 24 months of credit trends, giving lenders a much fuller and more accurate picture of a buyer's real financial habits rather than just a snapshot of their debt history. The result is that an estimated 5 million buyers who were previously turned down may now qualify for a home loan under the new guidelines.

Think about what that means for your business. Every past client who walked away disappointed. Every person who came close but could not quite get there. Every renter who has been paying on time for years but could not get credit for it in the traditional model. This update changes the conversation for all of them.

Now is the perfect time to reach back out, reconnect, and get those clients paired with a loan officer who understands these new guidelines and knows how to position their file correctly.

Follow me for more updates that help you grow your business in today's market.

05/01/2026

The buyers who feel like they finally have leverage right now are not imagining it. The data is saying the same thing and agents who understand what it means are going to have a significant edge this spring.

Redfin just reported that sellers outnumbered buyers by approximately 43% in March. That is nearly the largest gap they have tracked since 2013. By every measure buyers have more negotiating power right now than they have had in years. And here is the part that makes this moment even more interesting: purchase mortgage applications jumped 10% last week and are running 14% ahead of last year. Real buyers with real financing are showing up and they are ready to move.

So what separates the agents who are going to win this spring from the ones who are going to watch it happen? The top producers are doing two things consistently. They are coaching buyers to negotiate from a position of genuine confidence because the data supports it. And they are coaching sellers to price and present with the discipline of 2019, not the expectations of 2021, because the market will reward that approach and punish the alternative.

The agents who can communicate both sides of this story clearly to their clients are the ones who will close more business this spring than everyone else. Are you having those conversations?

04/27/2026

The biggest story in real estate right now is not rates, inventory, or prices. It is the ceasefire, and here is why it changes everything for buyers who have been sitting on the sidelines.

When the conflict in the Middle East kicked off in late February, oil prices spiked, Treasury yields jumped, and the spring market essentially froze in place. But the two-week US and Iran ceasefire announced earlier this month has already pulled the 10-year Treasury yield back down and stabilized energy markets. That matters for one significant reason: mortgage rates follow the 10-year Treasury. When that yield comes down, your rate comes down with it.

Freddie Mac's chief economist Sam Khater is already calling this a positive development for homebuyers that could spark a stronger spring market than we saw last year. The buyers who went quiet in March are watching this closely, and a more stable backdrop tends to bring fence-sitters right back into showings fast. Add to that the fact that Bright MLS is reporting a historic rise in inventory, which means more choices and more room to negotiate the moment confidence returns.

If you paused your home search this spring, now is the time to take another look. The window is opening back up and buyers who move with the right strategy right now are going to be very well positioned.

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