If You Were Told “No” Because of Credit, Read This
Conventional mortgage credit score rules shifted in 2025. Learn what changed with automated underwriting, why low loan to value can help, and what still matters ...more
Mortgage
December 15, 2025•3 min read
4 Common Reasons Mortgages Get Denied in 2025—and How to Avoid Them
In today’s housing market, getting pre-approved is a smart first step—but it’s not a guarantee. According to Josiah Burdge, a seasoned loan officer, "Pre-approval is the beginning of the process, not ... ...more
Mortgage
November 21, 2025•3 min read
Is the Housing Market Going to Crash? Here’s What Experts Really Expect
After years of rising home prices, many buyers are understandably wondering: Is the housing market finally going to crash? Will prices come down soon? ...more
Mortgage
November 21, 2025•2 min read
how-adjusting-down-payment-credit-score-loan-term-impacts-your-mortgage-rate-payment
When borrowers ask how they can improve their mortgage deal, the truth is: the levers are real — and even modest adjustments can make a meaningful difference. In today’s high-rate environment, moving ... ...more
Mortgage
October 24, 2025•3 min read
Is Now a Good Time to Buy or Refinance? How to Know What’s Right for You
When the topic of interest rates swings, the question resurfaces: is now the right time to buy a home or refinance an existing mortgage? After the Federal Reserve’s rate cut expected in mid-September,... ...more
Mortgage
October 24, 2025•4 min read
Should You Wait to Buy a Home If Mortgage Rates Might Drop?
Mortgage rates have been on a rollercoaster over the past two years, leaving many buyers wondering: should you wait for lower rates before buying a home, or move forward now? While the thought of snag... ...more
Mortgage
September 09, 2025•3 min read
Can AI Tools Help Answer Mortgage Questions and Afford Housing?
Artificial intelligence (AI) is reshaping industries across the globe—and housing is no exception. From online mortgage calculators to AI-powered chatbots, today’s technology is making it easier for h... ...more
Mortgage
September 09, 2025•3 min read
Mortgage Market Update: Inventory Climbs, Prices Cool — A Balanced Field Emerging
As of mid‑2025, the U.S. housing market continues its shift toward balance. Homes are staying on the market longer, inventory is rising, and price gains are moderating—creating a more level playing fi... ...more
Mortgage
July 28, 2025•2 min read
How Much Down Payment Do You Really Need? Understanding Today’s Options and Assistance Programs
The 20% Down Payment Myth For years, homebuyers were led to believe they needed a 20% down payment to purchase a home. While putting down 20% does have benefits—like avoiding private mortgage insuran... ...more
Mortgage
July 28, 2025•3 min read
