Mortgage Rates Experts & Articles

If the Refinance Never Comes, Does Your Plan Still Work?

Lower mortgage rates might be coming. But what if they aren't?

Josh Velazquez10

ARM vs. Fixed: Is the Rate Risk Worth It in 2026?

With 30-year fixed rates near 7% and the Fed holding steady through 2027, ARMs are back in the math.

Dolf Adolf80

Weekly Market Recap: Hot Inflation, Cooler Rates (Oct 12-16)

Inflation came in hot on two straight days, yet mortgage rates finished the week lower. Dio Vannucci breaks down the Oct 12-16 market action, what it means for buyers and Realtors, and what to watch next.

Dio Vannucci100

The Buyer's Edge: Winning with Seller Concessions

Higher rates have shifted the power back to buyers. Learn how to negotiate seller concessions and buy down your rate in today's market.

Nanci Denney160

Buy Now or Wait? Navigating High Mortgage Rates

Don't let high rates stall your homeownership goals. Discover why a high-rate market offers unique advantages and how to leverage seller concessions.

Michael Engelking50

Mortgage Rates Aren’t Just a Buyer Problem Anymore…They’re a Seller Problem

DC Aiken explains how a seller-funded temporary rate buydown may offer buyers more payment relief than a price reduction, helping Metro Atlanta sellers compete on affordability.

DC Aiken30

How Much Cash Do You Need to Buy a Home in Hilliard, Ohio?

Senior Loan Officer Brian Courtney breaks down the true cost of buying a home in Hilliard, from 20% down myths to zero-cash closings through VA and OHFA…

Brian Courtney290

Why Your Budget Matters More Than Mortgage Rates

Waiting for the perfect mortgage rate can cost more than you think. Lavonte Robinson explains why your budget should drive your home buying decision, not the…

Lavonte Robinson10

Inflation & Interest Rates: What Homebuyers Need to Know

Mortgage rates sit near 7.40% in October 2026. Here's how inflation drives the market and what it means for your next home purchase or refinance.

TJ Kuczewski90

Did You Skip Mortgage Payments During COVID? The Hidden Balance That Could Affect Selling Your Home!

Did you receive mortgage forbearance or have missed payments moved to the end of your loan? You may still owe a deferred balance or separate second lien. Learn how FHA, conventional, VA, and USDA mortgage relief programs could affect your home equity, selling proceeds, refinancing, or next purchase

Lindsay Frangie60

Mortgage Rates Pause but Your Homebuying Plan Still Matters

You don’t have to predict the next rate move to make a smart homebuying plan. Confirm your rate-lock deadline, compare total loan costs, and budget for taxes, insurance and maintenance.

Mark Wilkins20

Savannah, GA Real Estate Market Update: What Buyers Need to Know Heading Into 2027

More options, more negotiating room, and a different story in every neighborhood: Savannah’s 2026 market is balanced, not broken. See how Savannah, Pooler, Richmond Hill, and Rincon differ—and how the right mortgage strategy can help you buy smart.

Miles Mixon40

Self-employed homeowners evaluating a refinance as a temporary mortgage buydown expires.

A temporary mortgage buydown can create a difficult decision when the subsidy expires before rates fall as expected. Ray Williams explains why self-employed homeowners should compare the upcoming contractual payment, refinance costs and multiple ways of documenting business income instead of focusin

Ray Williams30

What's My Home Worth in Denver? A Realtor Explains Home Values in 2026

What's your Denver home worth in 2026? Discover what affects home values, why online estimates miss the mark, and how to get a personalized valuation.

Kayte Foster81

Is an ARM Right for Phoenix Buyers in 2026?

With 30-year fixed rates near 7.40% and Phoenix's median home price at $450,000, a 5/1 ARM can cut your monthly payment.

Virginia Fargo160

High Rates, Higher Leverage: The New Buyer's Market

Higher rates have flipped the script: fewer buyers means more negotiating room. Learn how seller-paid closing costs and rate buydowns can make a home…

Jeanne Sickel30

DSCR Loans: Unlock Bucks County Real Estate Growth

Scale your Bucks County portfolio with DSCR financing. Learn how builders and investors use minimal paperwork and equity to build wealth — with low closing…

Steve Fuhrman172

Why Your Monthly Payment Beats Interest Rate Every Time

A low rate can still mean a house-poor life. Here's why your monthly mortgage payment — not the interest rate — is the number that actually decides if your home purchase is "smart"!

Yazmin Llamas60

The Cost of Waiting: Why Lower Rates Could Cost You More

Waiting for mortgage rates to drop? Rising home prices may erase those savings. See how appreciation can outweigh a rate cut and affect your monthly payment.

Daniel Andersen50

Renovate vs. Relocate: The 2026 Homeowner's Dilemma

Stuck between a home you love and a layout you hate? Here is why renovation loans are beating moving in 2026 — and the math that makes staying put the smarter…

Andrew LaMacchia80

What Are The Minimum Credit Scores for Home Loan?

Knowing what your credit score is just one step towards knowing the loan type you want to proceed with. Each loan program has different credit score requirement, and some don't have any at all!

Erika Slayton90

Buying This Fall? What November’s Appraisal Changes Mean for Your Closing

Buying or refinancing this fall? Changes to home appraisal reports are coming in November. Here’s what buyers, homeowners and real estate agents should know about the transition, lender exceptions and steps to help keep a closing on track.