Tommy Spencer1 min read
Family Opportunity Mortgage Explained: How It Works and Who Qualifies
How a niche conventional loan lets you buy a home for a parent or disabled adult child at owner occupied rates, without living there yourself.
Mortgages
Tommy Spencer1 min read
Arnold Tucker3 min read
Government Shutdown: Will Mortgage Rates Fall or Rise?
A government shutdown could push mortgage rates lower or higher, and the missing economic data makes forecasting even harder. Here is what actually drives the swings and what buyers should…
Tommy Spencer3 min read
Mortgage Rates Rise Since Iran Conflict Began: How Much
Mortgage rates have jumped 30 basis points since late February as the Iran conflict rattles oil and bond markets. Here's what's driving the move and what buyers should do next.
Tommy Spencer6 min read
Mortgage Process Explained in Six Simple Steps
Six stages stand between a house hunt and a signed deed. Here's a skeptical, step by step breakdown of pre-approval, underwriting and closing costs, including where fees can quietly creep…
Tommy Spencer3 min read
Fed Rate Cut in December: What It Could Mean for Mortgage Rates
Mortgage rates today are hovering near a 13-month low even as traders once again price in a strong chance of a December Federal Reserve rate cut, but history shows those…
Arnold Tucker4 min read
Mortgage Rates Near 5% With This Loan Option
15 year mortgage rates are running about a point below 30 year loans, opening a path to mid 5% pricing. Here is who can actually afford the higher payment.
Tommy Spencer5 min read
Mortgage Rates Today: 30 Year Rate Stays Near One Month High
30 year mortgage rates held at 6.89% Friday after two days of increases. Here is what is driving the plateau, how Freddie Mac's average compares, and what borrowers should watch…
Tommy Spencer1 min read
Mortgage Refinance Rates by State, July 31 2025
Refinance rates dipped below 7% again this week, but where you live still swings your rate by a third of a point. Here is the state by state breakdown and…
Arnold Tucker4 min read
Mortgage APR Explained: The Hidden Truth Behind the Number
APR looks like a simple number, but a low one can hide upfront points and fees that only pay off if you keep the loan for decades. Here's how to…
Louis Fleming1 min read
Trump 50 Year Mortgage Idea: Would It Actually Help Homebuyers?
A 50 year mortgage is a home loan concept, floated recently by President Trump, that would stretch repayment across five decades instead of the standard 30 years, promising lower monthly…
Tommy Spencer4 min read
Mortgage Rates 2025: How New Inflation Data Could Affect Homebuyers
Inflation just ticked up to 3%, and mortgage rates are stuck near mid 6%. Here's why a Fed rate cut won't necessarily bring relief, and what buyers should do instead.
Tommy Spencer2 min read
How to Find a Mortgage Broker Near You
Finding a good mortgage broker means checking licensing through the Nationwide Multistate Licensing System, comparing fee structures that typically run 1% to 2% of the loan amount, and vetting candidates…
Louis Fleming4 min read
Refinancing Anytime Won't Save You From Losing Your Home
A Fed rate cut doesn't guarantee cheaper mortgages, and waiting for lower rates can backfire by pulling more buyers into an already tight housing market.
Arnold Tucker7 min read
Conventional Mortgage vs FHA Loan: Which Home Loan Is Right for You
Conventional mortgages skip the government guarantee but demand stronger credit. Here's how conforming limits, PMI, points and 2023's fee changes actually shape what borrowers pay.
Tommy Spencer4 min read
Refinancing Savings When Mortgage Rates Drop 1 Point
A one point mortgage rate drop can save hundreds monthly, but closing costs and a restarted 30 year term can eat into those gains. Here's how to run the real…
Tommy Spencer2 min read
Mortgage Rates Drop Nearly 10% Since May: Time to Lock In?
Comparing the Rate Scenarios Buyers Actually Face Rather than treating mortgage rates as a single number to time perfectly, it helps to compare the realistic scenarios forecasters are actually laying…
Tommy Spencer3 min read
Refi Rates Hit a Five Month Low. Time to Refinance?
30 year refinance rates just dropped to 6.87%, the lowest since March. Here is the math on when refinancing actually pays off, and why waiting for a perfect rate may…
Tommy Spencer4 min read
Refinance Rates Rise for Third Straight Day
Refinance rates rose for a third straight day, with the 30 year average hitting 7.05%. Here is how it compares across loan types and what is really driving the moves.