Jamie Foster5 min read
Searching for news Nancy Guthrie? Here is how to tell the Fed economist from the author, and how to use rate commentary to make smarter savings and borrowing decisions.
Tommy Spencer1 min read
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.
Arnold Tucker3 min read
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 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 Spencer7 min read
June brought a small improvement in home affordability as mortgage rates and home prices dipped, but income fell too. Here's what the numbers really show and what they leave out.
Arnold Tucker4 min read
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
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…
Arnold Tucker4 min read
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
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
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.
Louis Fleming4 min read
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 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
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…
Jorge Hernandez5 min read
U.S. home prices dipped 0.1% in April as mortgage rates climbed past 6.49% amid Middle East tensions. Here is what the FHFA data, regional splits and a REIT proxy reveal…
Brandon Garcia