Mortgage Blog

Fed Rate Cuts, Why Mortgage Rates Are Not Falling Faster

December 15, 2025 | Posted by: Joe Cortez

When the Federal Reserve announces a rate cut, homeowners naturally expect mortgage rates to drop right away. Headlines often make it sound simple, the Fed cuts rates, borrowing gets cheaper, and mont ...

Dec 10-2025 - Federal Reserve issues FOMC statement

December 10, 2025 | Posted by: Joe Cortez

Available indicators suggest that economic activity has been expanding at a ...

Over 4 M U.S. Homeowners Could Refinance as Rates Stabilize

November 21, 2025 | Posted by: Joe Cortez

Did You Know ? Did you know that more than four million U.S. homeowners are now poised to benefit from refinancing their mortgages because interest rates have started to stabilise and some borrowers l ...

Why rising inventory and slowing U.S. home-price growth matter for lock-in strategy

November 10, 2025 | Posted by: Joe Cortez

Across the United States, the housing market is showing its first real signs of balance in years. With more homes hitting the market and price growth cooling, many buyers and homeowners are wondering ...

October 29, 2025 - Federal Reserve issues FOMC statement

October 29, 2025 | Posted by: Joe Cortez

Available indicators suggest that economic activity has been expanding at a ...

Why Now Is a Smart Time to Re-Evaluate Your Mortgage Strategy (Even if You’re Not Ready to Move)

October 20, 2025 | Posted by: Joe Cortez

For many American homeowners, the mortgage conversation tends to fade into the background once the loan is closed. But in 2025, that old "set it and forget it" mindset could be costing you thousands. ...

How Lower Rates Could Help Gig Workers Get Mortgages in 2025

October 6, 2025 | Posted by: Joe Cortez

As interest rates ease somewhat from their peaks earlier in the year, the mortgage landscape in the United States is shifting. For gig workers and self-employed professionals, this shift may o ...

Sept 17-2025 - Federal Reserve issues FOMC statement

September 17, 2025 | Posted by: Joe Cortez

Recent indicators suggest that growth of economic activity moderated in the first half of the year. Job gains have slowed, and the unemployment rate has edged up but remains low. Inflation has moved u ...

Interest Rate Cuts: How They Can Help You and Boost the U.S. Housing Market

September 3, 2025 | Posted by: Joe Cortez

When interest rates start to fall, the ripple effects touch almost every corner of the housing market. As your mortgage broker and loan officer team, we're here to unpack what rate cuts really mea ...

Why the U.S. May Dodge Stagflation, What It Means for Your Wallet

August 19, 2025 | Posted by: Joe Cortez

Did You Know? Many analysts feared a repeat of the 1970s blend of high inflation and weak growth. Recent data points tell a different story. Inflation has cooled compared with last year, job ...

Loans Made Simple