Lately, there’s been a ton of speculation surrounding the direction of mortgage rates. I too have taken part in this quite a bit as I’ve… Read More »Mortgage Rates Tend to Fall Within 12 Weeks of a First Fed Rate Cut

Lately we’ve been hearing a lot about trigger leads due to legislation trying to ban them. If you’re unaware, when a lender pulls your credit,… Read More »Watch Out for Mortgage Mailers That Look Super Official But Aren’t

Lately, homeowners have been turning to their equity for their cash needs. After all, most already have a super low fixed mortgage rate and don’t… Read More »Three Key Differences Between HELOCs and Home Equity Loans

The big NAR settlement is expected to be finalized next week, but the changes already took effect back in August. They include needing a written… Read More »It’s Okay to Negotiate with Your Real Estate Agent

Lately, I’ve been a hearing a lot of people say that mortgage rates are “average” or “normal.” As in, they aren’t high or low. They’re… Read More »Normal Mortgage Rates? The Average Mortgage Rate Since 1972 Is Roughly 7.75%

Recently, a lot of people have argued that we won’t return to lower mortgage rates. That there’s no possible way we can go back to… Read More »What Does It Actually Mean to Return to Lower Mortgage Rates?

If you’ve been home shopping since early 2022 when mortgage rates surged higher, you’ve likely come across the buydown. The buydown is used to lower… Read More »Do the Home Builders Need to Offer Mortgage Rate Buydowns to Make the Math Work?