Mortgage Rates

Should You Buy Down Your Mortgage Rate or Keep the Cash?

Should you pay upfront for a lower mortgage rate or keep the cash? The break-even point can help Denver buyers decide.

Should You Pay Points to Lower Your Mortgage Rate?

A lower mortgage rate isn't automatically a better deal. Learn how mortgage discount points work, how to calculate your break-even point, and when paying more upfront for a lower rate may—or may not—make financial sense.

Las Vegas Mortgage Guide: Navigating 2026 Affordability

Las Vegas home prices hover near record highs while inventory climbs. Here's how the 2026 market shapes your mortgage — and the strategies that still work.

A Complete Guide to Using a VA Loan Near MCAS Yuma

Eligible service members, veterans, and qualifying surviving spouses can use a VA home loan to purchase a primary residence near MCAS Yuma with no down payment in many cases. Qualification depends on factors like income, credit, occupancy requirements, and lender underwriting.

The Seller’s Property Tax Bill Can Be Misleading

here is the basis for the article.. add in the process to file it and that i personally go futher than the closing and i stay in touch to help make sure my buyers optimize thier investments and protect it. i help them retire with more wealth and go beyond just shopping for a rate.: “The $140,000 Tex

Why the Fed Hold Matters for Your 2026 Refinance

Onpoint Mortgage Pro explains why the Fed's August 2026 rate-hold creates a strategic window: time to strengthen credit and equity before refinancing opens in…

Rates Signal Action Now, Not a Crash Wait

Nashville has hit six months of inventory for the first time in years. Here's what the 2026 stats mean for your timing and budget.

How Much House Can I Actually Afford?

USDA Loan Eligible Areas in Mid-Missouri: Columbia, Ashland & Jefferson City, MO 2026 Guide

Ashland, Hartsburg and Wardsville qualify for USDA $0 down. Columbia and Jefferson City do not. See all 20 towns and check any address free.

Mike's Monday Mortgage Minute - Week of August 3, 2026 in Review

Weekly recap of financial reports impacting mortgage rates.

Smart Strategies for King & Pierce County Home Buyers

Learn how to use seller concessions and rate buydowns to lower your monthly mortgage payments in today's King and Pierce County markets.

Smart Tax Deductions Every First-Time Homeowner Should Know

Buying your first home can come with some helpful tax benefits and cost-saving programs. Homeowners may be able to deduct mortgage interest and property taxes, while certain energy-efficient improvements may qualify for tax credits. Mortgage insurance is currently not deductible.

The Annapolis Advantage: My Take on Today's Mortgage Rates

Bryan Hooper breaks down what today's mortgage shifts mean for Annapolis buyers and how to win in our local market right now.

Mortgage Rates 2023–2026: Nearly Flat for 4 Years

30-year fixed rates averaged 6.81% in 2023, 6.72% in 2024, 6.60% in 2025, and 6.31% YTD in 2026. Here's the 18-month forecast and what it means for buyers.

Lower Rates Do Not Always mean a Lower Payment

A lower rate does not always mean your payment will be lower here is why

Houston Flood Maps: What Home Buyers Need to Know

New FEMA maps could move over 184,000 Harris County properties into high-risk flood zones.

What's the prescription for lower interest rates?

More -bps!

2026 Housing Market: Buy Now or Wait on Rates?

Rates held near 6.6% all spring while prices kept climbing. Here's what the 2026 market means for buyers deciding whether to lock in now or hold out.

Central Oregon Housing: Navigating the 2026 Rate Spike

Rates near 6.5% have cooled Bend's bidding wars — but created the buyer leverage missing for years. Inside the 2026 Central Oregon market.

How a 2-1 Buydown Lowers Your Mortgage Payments

A 2-1 buydown cuts your mortgage rate by 2% the first year and 1% the second. Here's how it works, who pays for it, and how much you could save.

Stop Waiting for a Crash: Why 2026 is the Year to Buy

Waiting for a housing crash that isn't coming is a $30,000 mistake. Discover why 2026 supply levels and rate stability make this the optimal time to buy.

Why Mortgage Rates Aren't Waiting for the Fed

Mortgage rates follow the 10-year Treasury yield and the bond market, not the Fed's benchmark rate. Waiting for a rate cut can cost buyers the right home.

Stop Waiting for the Bottom: Personal Timing Beats Market

Rates are stuck near 6.7% while prices keep inching up. Here's the math on why waiting for a lower rate can cost you more than it saves — and when personal…

Bank Statement Loans: The Self-Employed Homebuyer's Edge

Your CPA's tax deductions can shrink your reported income below what a conventional lender will accept.