Mortgage Blog

July 30 - 2025 Federal Reserve issues FOMC statement

July 30, 2025 | Posted by: Joe Cortez

Although swings in net exports continue to affect the data, recent indicators suggest that growth of economic activity moderated in th ...

Refinance in 2025? How Lower Fed Rates Affect You

July 16, 2025 | Posted by: Joe Cortez

After years of rising rates and tightening budgets, the Federal Reserve has finally made its move-lowering interest rates for the first time since the pandemic-era hikes. If you're a homeowner i ...

VantageScore 4.0 Arrives: How the New Credit Model Could Open Homeownership to 5 Million More Americans

July 9, 2025 | Posted by: Joe Cortez

On July 8, 2025, the Federal Housing Finance Agency (FHFA) gave mortgage lenders an historic green-light: they may now submit loans to Fannie Mae and Freddie Mac using the VantageScore 4.0 credit ...

June Fed Pause: Fixed vs ARM Strategy

June 23, 2025 | Posted by: Joe Cortez

Fed Holds Steady: Why Mortgage Pros Should Care On June 18 2025, the Federal Open Market Committee (FOMC) left its federal funds target range unchanged at 4.75 % – 5.00 %. While a "pause" sounds ...

U.S. Federal Reserve leaves its key rate unchanged but sees two cuts this year

June 18, 2025 | Posted by: Joe Cortez

Although swings in net exports have affected the data, recent indicators suggest that economic ...

Homebuyers: Is Now the Time to Lock in a 6.8% Mortgage Rate?

June 8, 2025 | Posted by: Joe Cortez

If you're thinking about buying a home in 2025, you've probably noticed something interesting-mortgage rates have dipped slightly, with 30-year fixed rates now hovering around 6.8%. After years of m ...

Climate Change and Mortgage Risk: What Homebuyers Need to Know in 2025

May 19, 2025 | Posted by: Joe Cortez

Buying a home is one of the most significant investments you'll ever make. While factors like interest rates, location, and property condition typically top the list of home buyers' concerns, climate ...

May 7-2025 - Federal Reserve issues FOMC statement

May 7, 2025 | Posted by: Joe Cortez

Although swings in net exports have affected the data, recent indicators suggest that economic activity has continued to expand at a solid pace. The unemployment rate has stabilized at a low level in ...

Mortgage Renewals in Early 2025 - Where Might Rates Land?

May 4, 2025 | Posted by: Joe Cortez

A friendly guide for American homeowners who are about to renegotiate one of the biggest contracts of their lives. Introduction - Why Everyone Is Talking About 2025 Refinances If your existing m ...

Tariffs and Their Impact on Interest Rates: What Homebuyers Need to Know

April 5, 2025 | Posted by: Joe Cortez

You might be surprised to learn that something like tariffs-basically taxes placed on imported goods-could affect your mortgage or home-buying plans. Tariffs can seem like distant economic policies, b ...

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