Mortgage Blog

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 ...

Should You Pay Off Your Mortgage Before Retirement? Pros and Cons to Consider

March 21, 2025 | Posted by: Joe Cortez

As retirement approaches, many homeowners ponder whether paying off their mortgage early is a wise decision. While the idea of owning your home outright is certainly appealing, it's important to evalu ...

March 19, 2025 - Federal Reserve Maintains Interest Rates

March 20, 2025 | Posted by: Joe Cortez

Recent indicators suggest that economic activity has continued to expand at a solid pace. The unemployment rate has stabilized at a low level in recent months, and labor market conditions remain solid ...

Understanding Down Payments for Your Mortgage

March 7, 2025 | Posted by: Joe Cortez

Understanding Down Payments for Your Mortgage When purchasing a home, a significant challenge you may encounter is saving for a down payment. But what is a down payment, and how does it influence you ...

How will tariffs potentially affect Interest rates

February 26, 2025 | Posted by: Joe Cortez

As a mortgage professional, I recognize that our financial landscape often feels like a complex maze, especially when global events are involved. One topic that has recently generated significant disc ...

How Rising Interest Rates Impact Your Homebuying Power

February 5, 2025 | Posted by: Joe Cortez

Have you noticed that mortgage rates have been rising recently? If so, you're not alone. Increasing interest rates can impact everything from the size of the loan you qualify for to the monthly pa ...

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