Latest Articles
How Much Are Closing Costs When Buying a Home?
Your down payment isn't the only money you'll need when buying a home. Learn what closing costs include, how cash to close is calculated, which costs may be negotiable, and how seller concessions and lender credits can potentially reduce what you bring to closing.
Dave Cook206.67% Mortgage Rates: Lock-In Effect & Buyer Playbook
3% vs 6.67%: How first-time and move-up buyers can navigate today's mortgage rate market
Sara Asselin30The Path to 5% Mortgage Rates: Floors, Strategy, Reality
Mortgage rates won't return to 3%. Here's the structural floor, what blocks a faster drop, and a realistic ETA for the 5% range.
Dylan Crews NMLS 198750550Fed September 2026: Rate Lock Strategy
The Fed holds rates at 3.50%-3.75% but markets now price a September hike. Here's when to lock your mortgage rate and how to protect your deal.
Victor Santos203 Responses to Home Prices & Current Interest Rates
Three Responses to Home Prices & Current Interest Rates
David Landry40HELOC vs. HELOAN: Tap Equity Without Touching Your Low Rate
Don't lose your low mortgage rate. Learn how HELOCs and HELOANs let you access equity for renovations or debt consolidation without a full cash-out refinance.
Karen Li20August 2026 Seattle Mortgage and Homebuyer Update
Mortgage rates remain elevated, but Seattle-area buyers may have more negotiating leverage than they realize. Here’s what buyers should know about current rates, VantageScore 4.0 and a limited-time 1-0 temporary-buydown opportunity.
Lance Morgan1602026 Mortgage Outlook: Is the Wait Costing You?
Mortgage rates may not fall much in 2026, but Hamilton County home values keep climbing.
Jon Knight90The 10-Year Treasury Is Coming Down. What Treasury’s Bigger Buyback Program Could Mean for Mortgage Rates
The U.S. Treasury just announced plans to at least double buybacks of longer-term Treasury debt. Here’s why the 10-year Treasury yield fell, how Treasury buybacks work, and what the move could mean for mortgage rates and homebuyers.
Ryan J. Speltz40Thinking of Buying a Home...
#1 Mistake = Not calling your lender first.
Heather Livingston20Can I Use My VA Loan More Than Once?
Quick answer: Yes. Eligible veterans, active-duty service members, and qualifying surviving spouses can use a VA loan multiple times throughout their lifetime, provided they have sufficient VA entitlement or restore their entitlement after meeting the program's requirements.
Daniel Jackson10West Chester Summer Home Selling: Price & Timing Strategy
West Chester homes sell in about 18 days at a $607K median, with 62% going over list price.
Maggie Oyler10Can't Afford a Home? 7 Things to Know Before You Quit
Think homeownership is out of reach? Discover 7 facts about down payments, credit scores, and North Carolina assistance programs that could change your mind.
Brenda Clodfelter10Refi or Wait? Your 2026 Mortgage Rate Decision Guide
Not sure whether to refinance after the Fed's July hold? Use this three-tier framework, built on your current rate, to decide when refi math actually works.
Victor Santos00Denver Housing Market 2026: Days on Market & Concessions
Denver's market has shifted. Homes now sit a median 21 days, and 62.7% of July sales included a seller concession. Here's how agents are structuring deals.
Val Nuttall60Mortgage Market 2026: Rates, Trends, and a 6-Month Outlook
A data-driven breakdown of the current mortgage market and the next six months — from today's 6.66% rate average to where prices, inventory, and Fed policy are…
Scott Davenport10The Villages Market Just Softened — Is Now the Window?
Prices in The Villages have eased over the past year while homes are still selling at a healthy pace. That combination usually means opportunity, not trouble.
Scott Shannon20Ocala Homes Are Selling Slower Even as Prices Climb
Ocala prices are up this year, but homes are also taking longer to sell than they were a year ago. That combination is a real signal worth understanding before you write an offer.
Scott Shannon10Sellers Are More Willing to Deal Than You Think
More listings are sitting longer, and a lot of today's sellers need a deal to happen, not just a full-price offer. Here's how to actually use that leverage.
Scott Shannon90Buy Your Rate Down With Someone Else's Money
Seller concessions can buy your rate down as much as 1.5% below the national average — here's how it works and why the timing is good for it right now in our market.
Scott Shannon10Non-Warrantable Condos: Financing Guide for Buyers
Non-warrantable condos can't get conventional financing... but they're not a dead end.
Craig Messman30The Cost of Waiting for Mortgage Rates to Drop
Waiting for lower mortgage rates can cost more than the savings. See how home price appreciation, lost equity, and rent may stack up against a future rate drop.
Jenny Hanna31Phoenix Home Prices vs. Peak: What July 2026 Shows
Phoenix home prices are not a monolith. Single-family homes are down under 10% from their peak while apartment-style units fell over 22% — and patio homes…
Michael McDermott00Monthly payment breakdown for a $500K Denver home.
See what can affect the monthly cost of a $500,000 Denver home, from your down payment and interest rate to taxes, insurance, and loan structure.
Jennifer Chicano10
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