Discover the Hidden Factors That Truly Shape Your Mortgage Experience If you’ve spent any time exploring mortgage options, you’ve likely heard the conversation revolve around interest rates. Rates are obviously important, as they affect the size of your monthly payment…
Financing Your Next Investment Property: What You Need to Know Investing in real estate can be a smart and rewarding way to build long-term wealth. Whether you’re new to real estate investing or already have a few properties under your…
Promoting Equity, Sustainability, and Risk Management in Mortgage Finance The 2025 Scorecard for Fannie Mae, Freddie Mac, and Common Securitization Solutions (CSS) outlines the Federal Housing Finance Agency’s (FHFA) objectives and assessment criteria for these pivotal institutions. As conservator, FHFA…
How to spot red flags, protect your finances, and find a lender who truly has your back. Imagine this scenario: You stumble upon a mortgage offer that seems almost too good to be true—perhaps it’s a flashy ad boasting a…
Understanding the human touch that refines home valuations for real-world accuracy If you’re like most homeowners or prospective buyers, you’ve probably looked up property values on Zillow or Redfin at one time or another. It’s quick, convenient, and provides a…
A look at how investor sentiment, not the Fed, drives long-term mortgage interest. When the Federal Reserve announces that it’s lowering the federal funds rate—like this week by 0.25%—it’s easy to assume that all other interest rates, including mortgage rates,…
Two must-do actions that transform your homebuying experience from frustrating to fulfilling Looking for a new home can be exciting—maybe you’re dreaming of that perfect backyard for a summer barbecue or picturing the cozy fireplace you’ll gather around during the…
Understanding the Difference Between Mortgage Scores and Free Credit Scores If you’ve ever checked your credit score using a free online tool or your banking app, you might have felt proud seeing a solid three-digit number. But then, when you…
Simplifying Mortgage Approval for Entrepreneurs and Business Owners For self-employed individuals, qualifying for a mortgage can sometimes feel like an uphill battle. Traditional loans often rely on tax returns or pay stubs, which may not accurately represent your financial reality…
Breaking Down Income Guidelines for Fannie Mae, Freddie Mac, and FHA Loans When applying for a mortgage, your income plays a crucial role in determining your eligibility. For hourly employees, the process of calculating income can be slightly more nuanced…
