Here’s something creative I haven’t seen many try (other than the home builders) to close the affordability gap. The State of Rhode Island is using… Read More »Rhode Island Using State Deposits to Help First-Time Home Buyers Get 3.99% Mortgage Rates
And just like that, mortgage rates are back above 6.50% and could be heading even higher. I’ve been warning folks for a couple weeks now… Read More »Mortgage Rates Back Above 6.50% as Oil Worries Mount
Everyone knows Buy Now, Pay Later (BNPL) loans are pervasive at this point. Anytime you buy anything online, you’re given the option to pay it… Read More »How Do Buy Now, Pay Later Loans Affect Mortgage Eligibility?
Mortgage applicants can now qualify for a home loan with VantageScore. For years, the industry has relied solely upon FICO scores to determine pricing and… Read More »Now You Can Choose FICO or VantageScore for Your Next Mortgage Approval
It’s looking like mortgage rates are headed back up again after a nice reprieve in early April. We all know they had a terrible March… Read More »Mortgage Rates Begin to Rise Again as Impasse in Middle East Becomes Clear
It’s been an eerily quiet week or so for mortgage rates. Almost too quiet, as if you think something’s lurking around the corner. After a… Read More »What’s Going to Move Mortgage Rates Again?
Mortgage rates have had a pretty good April, all things considered. They’ve come down about 30 basis points (0.30%) over the past month, despite the… Read More »Where Would Mortgage Rates Be Without War in Iran?
Folks have been debating so-called “mortgage rate lock-in” for years now. It’s also known as the golden handcuffs of an ultra-low interest rate that make… Read More »Lenders Will Now Pay You to Give Up Your Low Rate Mortgage
Each year, I compile the top 10 mortgage refinance companies by loan volume. This means the mortgage lenders closing the most refinance loans in the… Read More »Top 10 Mortgage Refinance Companies (New for 2026)
There’s this theory that AI adoption will be “massively disinflationary.” In that as the technology improves, we will see big production gains that lower the… Read More »Will AI Lead to Higher or Lower Mortgage Rates?
