Blog – Mark Feder

16 Dec 2025

Smart Ways to Protect Your Credit Score Before Applying for a Mortgage

Mortgage Tips

Your credit score plays a major role in the mortgage process. It helps determine whether you qualify for a loan, how much you can borrow, and the interest rate you may receive. Even small changes to your credit profile can impact your long-term cost of homeownership. The good news is that there are clear steps you can take to protect your score and position yourself for better mortgage options.Pay Every Bill On TimePayment history is one of the most influential factors in your credit score. Late or missed payments can cause immediate damage and may remain on your credit report…

15 Dec 2025

By Mark Feder

What’s Ahead For Mortgage Rates This Week – December 15th, 2025

Financial Reports

The Federal Reserve Interest Rate decision occurred the prior week, with the Federal Reserve cutting interest rates another quarter as expected by many industry analysts. This has given the market a lot of optimism that the trend will still continue and the Chairman Jerome Powell has stated it’s a good time to wait and see where the economy is headed before cutting rates further, giving further confidence more will be coming next year. There was also the U.S. Trade Deficit to gauge where the current trade policies have positioned the U.S. and it has been reported that the expectations for…

12 Dec 2025

By Mark Feder

What Really Happens If You Miss a Mortgage Payment

Mortgage

Missing a mortgage payment can feel scary, especially when you are working hard to manage your finances and stay on track. Life happens, and sometimes unexpected situations make it difficult to pay on time. The good news is that one missed payment does not mean you will lose your home. Understanding what happens behind the scenes, what lenders look for, and how quickly you should take action can help you stay calm, fix the issue, and protect your credit. Know When a Payment Is Considered LateA mortgage payment is typically due on the first of the month, but most lenders…

11 Dec 2025

By Mark Feder

Mortgage Planning for Long-Distance Relationships Becoming Local

Mortgage Tips

When two people in a long-distance relationship decide to finally live in the same city, the excitement is huge, and so are the financial decisions that come with it. Moving from long-distance to local often means navigating new jobs, new routines, and possibly a new home purchase. Planning for a mortgage during this transition can feel overwhelming, but with a little preparation, you can make the move smooth, affordable, and aligned with your long-term goals. Understand How Timing Affects Your Mortgage OptionsWhen couples move from long-distance to local, one or both partners may need to change jobs. Lenders like to…