Rates move. Headlines shout. But smart buyers win by anchoring to a payment target—not a clickbait decimal. When we start with “What monthly number lets you breathe?” everything else falls into place: price, down payment, and the best structure to protect your cash. From there, we compare paths: Conventional vs. temporary buydown:  Trade a slightly higher cost today for breathing room in year one or two. Self-employed options (bank statements/P&L):  When tax returns don’t tel

If you’re self-employed, you’ve probably heard the phrase “it’s harder to get a mortgage when you work for yourself.” That might’ve been...

Green mortgages, also known as energy-efficient mortgages (EEMs), are designed to help homebuyers finance eco-friendly homes or...

When preparing to sell your home, making strategic renovations can significantly impact its marketability and selling price. Renovations...

Divorce can bring many financial challenges, and one of the most significant is deciding what to do with the family home. If you and your...

With Labor Day behind us, the fall market is officially underway. Historically, September brings more listings, more buyer activity, and,...

Labor Day is more than a long weekend — it’s a celebration of the dignity and value of hard work. Homeownership is deeply tied to that...

Sunday mornings remind us to pause — not just from work, but from the constant pull of worry and striving. The housing market, the...

Not every win in homeownership comes from chasing the lowest mortgage rate. In fact, some of the biggest financial benefits come from...

This week’s mortgage market was another reminder that success isn’t always about reacting fast — it’s about preparing well. Rates stayed...

When it comes to buying a home, your credit score does more than determine approval — it shapes your pricing, your options, and in many...

Not every buyer needs a lower rate to save money. Sometimes, it’s about getting creative with structure, strategy, and timing. Here are...

Most people start the mortgage conversation with one question: “What’s the rate?” And while the interest rate is important, it’s not the...

Heading into the weekend, mortgage rates are holding steady — but not because the market is calm. In fact, there’s a lot happening under...

A lot of buyers assume they can’t qualify—or that rates are too high. But here’s the truth: there are strategic loan programs  available...

It’s mid-August, and many buyers and homeowners are asking the same question: “Why do rates feel like they’re going nowhere?” On the...

Refinancing your mortgage to secure a lower interest rate can save you thousands of dollars over the life of the loan. Homeowners often...

It’s easy to think mortgage rates are “stuck” right now. After all, they’ve been hovering in the same general range for weeks. Buyers are...

Summer 2025 has been defined by short-lived opportunities. Whether it’s a softer jobs report or a cooler inflation number, the result is...

If you want to know where mortgage rates are headed, watch the 10-Year Treasury yield . When the yield dips below key support levels —...