blog
The FED finally cut rates – now what?
The Federal Reserve finally cut the Fed Funds Rate by 0.25% on September 17, 2025 – the first cut in more than four years. While that rate affects how banks lend to each other, it doesn’t directly control mortgage rates. Still, the move had been widely anticipated across the real estate and mortgage world. Just a quick…
Read MoreMortgage rates are falling – without the FEDs help
Mortgage rates are now sitting at their lowest point in the past 12 months—a welcome shift for both homeowners and buyers! This move comes as labor market data continues to soften, reinforcing expectations that the Federal Reserve will cut rates later this month. But here’s the important part: the bond market is already pricing that…
Read MoreWhat You Need to Know About Fannie Mae, Freddie Mac & VantageScore 4.0
You may have seen the headlines or heard a little buzz about changes to credit scoring. Let’s clear up the confusion and get straight to what this really means for homebuyers. What Happened? Fannie Mae and Freddie Mac (the two big players that back most mortgages in the U.S.) have announced plans to start allowing lenders…
Read MoreRefinance Now?
Is the moment upon us—the moment millions of homeowners who have purchased since 2022 have been waiting for: an opportunity to refinance their mortgage to a lower rate and payment? We’ve been writing in this newsletter for months now that the Federal Reserve Bank (FED) has a keen eye on the labor market: The FED…
Read MoreMortgage rates: Still held up by the labor market
It’s been an interesting Summer this year when it comes to housing and financial markets! In many ways, it feels like the markets have been holding their breath. But why? What’s the FED waiting for? All eyes have been on the Federal Reserve (FED), with the hope that they’ll cut interest rates. After all, the…
Read MoreHousing is still tight. Rates remain stubborn. Why, and what’s next?
Can you believe we’re almost halfway through 2025 already? The first half of this year has been an interesting one for housing, as financial markets try to adapt to a new administration in the White House. Let’s look at the bigger picture to see what may be in store for the rest of 2025 when…
Read MoreOpportunity or Caution? The Latest Twist in Mortgage Rates After Tariff Talks
In our last newsletter, written just after the President announced massive tariffs, we discussed how the economic turmoil that resulted was actually good news for mortgage rates, pushing them down – and fast! For a brief moment, it looked like a tremendous refinance opportunity was on the horizon for many people! Just a quick reminder:…
Read MoreTariffs Rattle Markets, but Lower Rates & Refinance Opportunities Await!
You may have seen in the news this week that President Trump enacted a slew of tariffs and as a result, the stock market has tumbled. While that’s not good news for your 401k, there is a silver lining: This is fantastic news for mortgage rates. Since the announcement of the tariffs earlier this week, mortgage rates…
Read MoreTrump, Tariffs, and the 10-Year Treasury Tangle
We’re almost 60 days into the new presidential administration, and we’re starting to get a picture of their fiscal plan. A key target of their plan is the yield on the 10-year US Treasury bond, and if you own a home or are considering buying, you may really benefit from this! Just a quick reminder:…
Read MoreIs 2025 a Good Time to Buy a Home?
This might be the best time in history to ask this question. As we step into 2025, mortgage rates are more than double what they were three years ago, and home prices have only climbed higher. Naturally, buyers are wondering: Is now the right time to buy? Let’s break it down. Just a quick reminder:…
Read More
