Lately, a lot of mortgage rate quotes have required points to be paid. Known as discount points, they are a form of prepaid interest due… Read More »Decision to Buy Down Mortgage Comes Down to Future Mortgage Rates
Mortgage rates were already at 15-months as we entered 2026, and now they’re moving even lower. The catalyst today was another weak jobs report, this… Read More »Weak ADP Jobs Report Sends Mortgage Rates Even Closer to the 5s
It’s no secret that mortgage rates are complicated. There is no one-size-fits-all price. The rate you’re quoted will depend on both your risk profile and the… Read More »Mortgage Rates Are Now Being Advertised Well Below the National Average
Last year, we were told that the first-time home buyer age surged to a record high 40 years old! The bad news was delivered by… Read More »The Median First-Time Home Buyer Age Isn’t Really 40
Late last year, a lot of “solutions” to fix the housing market were floated, including things like assumable and portable mortgages. I recognize that not… Read More »Assumable vs. Portable Mortgages: Hand It Over or Take It With You?
1. Mortgage rates will fall into the 5% range 2. Home prices will be flat (if not lower) 3. Affordability will improve but remain constrained… Read More »2026 Mortgage and Real Estate Predictions
One of the biggest stories of the past few years has been mortgage rates. Everyone has been obsessed with mortgage rates, having seen them rise… Read More »How Mortgage Rates Have Changed Heading Into 2026
About a year ago, I predicted that the 30-year fixed would fall to 5.875% by the fourth quarter of 2025. It didn’t quite get there,… Read More »Three Ways to Get 5% Mortgage Rates in 2026
In case you’re unaware, mortgage lenders pull a tri-merge credit report when you apply for a mortgage, whether it’s for a home purchase or a… Read More »MBA Calls for Single Credit Report for a Mortgage If Your Credit Score is 700+
I already compiled and posted my annual list of 2026 mortgage rate predictions. But one more mortgage rate prediction just dropped, and it’s a doozy.… Read More »Trump Says Mortgage Rates Will Be a Lot Lower in Early 2026
