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No, the Housing Market Isn’t About to Crash—Here’s What’s Really Happening If you’ve been watching the news, scrolling social media, or just talking with friends and family lately, there’s a good chance you’ve heard someone ask: “Is the housing market…
Our approach to using technology for a smoother mortgage experience. In today's rapidly evolving world, technology has dramatically transformed virtually every industry—and mortgages are no exception. Innovations like online applications, automated underwriting, and digital document submissions have certainly made the…
What It Means for Borrowers and the Industry In a significant policy shift, the Federal Housing Finance Agency (FHFA) has directed Fannie Mae and Freddie Mac to terminate their involvement in Special Purpose Credit Programs (SPCPs). The announcement, made end…
Important FHA Loan Update The Federal Housing Administration (FHA) has issued an important policy update that will impact borrower eligibility for FHA-insured mortgages. Mortgagee Letter 2025-09, released on March 26, 2025, outlines a significant change to residency requirements for FHA…
The Truth About Credit Inquiries and Your Mortgage Journey When it comes to applying for a mortgage, one of the most common concerns we hear from potential homebuyers is, “Will this hurt my credit?” They’re usually referring to the hard…
How We Save You Money on Your Mortgage When shopping for a mortgage, one of the biggest concerns for homebuyers and homeowners looking to refinance is getting a competitive interest rate. At Innovative Mortgage Brokers, we pride ourselves on offering…
Why Private Mortgage Insurance (PMI) Isn’t as Bad as You Think For many homebuyers, Private Mortgage Insurance (PMI) has a bad reputation. It’s often misunderstood as an unnecessary extra cost, leading some buyers to delay their purchase in an attempt…
Gaining the Upper Hand in a Calmer Real Estate Market and Score a Home on Your Own Terms The real estate market can feel like a moving target—always shifting based on economic factors, interest rates, and even the season. Many…
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…
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…
