Blog – Mark Feder

22 Dec 2025

What’s Ahead For Mortgage Rates This Week – December 22nd, 2025

Financial Reports

The Consumer Price Index was scheduled to be released this week but has once again been delayed, with no explanation provided. This left the unemployment data as the only notable economic release from last week. The data showed that unemployment numbers came in higher than expected; however, this result is somewhat tempered by the fact that the figures are supported by a more limited data set. Even so, it is not a positive sign that unemployment numbers are exceeding expectations under these circumstances. At this time, there is still no word on when the Consumer Price Index will be released,…

19 Dec 2025

By Mark Feder

Preparing Your Mortgage for Life on One Income When a Baby Is on the Way

Homeowner Tips

Welcoming a new baby is an exciting milestone, but it often comes with financial changes, especially when a household shifts to one primary income. Managing a mortgage during this transition can feel overwhelming at first, but many families successfully navigate it every day. With thoughtful planning and a few smart adjustments, it is possible to maintain stability while focusing on what matters most. Choose a Payment That Fits One IncomeAffordability becomes even more important when relying on a single paycheck. A mortgage payment should feel manageable on one income, not just under ideal conditions but also if unexpected expenses arise.…

18 Dec 2025

By Mark Feder

What Makes Jumbo Mortgages Different and Why Refinancing Them Requires a Specialized Approach

Mortgage Tips

Not all mortgage loans are created equally, and jumbo mortgages are a clear example of that difference. These loans are designed for higher priced homes and come with unique guidelines that affect both buying and refinancing decisions. Understanding how jumbo mortgages work and why refinancing them is different can help you make smarter long-term financial choices. What a Jumbo Mortgage IsA jumbo mortgage is a home loan that exceeds the conforming loan limits set for conventional financing. Because these loans fall outside standard guidelines, they are not eligible for purchase by government sponsored entities. This means lenders take on more…

17 Dec 2025

By Mark Feder

Will You Need Private Mortgage Insurance on Your Mortgage Loan?

Home Buyer Tips

When preparing to buy a home, many borrowers focus on the interest rate and monthly payment, but mortgage insurance is another important factor to understand. Private mortgage insurance is often required when a borrower makes a smaller down payment and knowing how it works can help you plan more confidently and avoid surprises during the loan process. What Private Mortgage Insurance IsPrivate mortgage insurance is a type of insurance that protects the lender, not the borrower. It is typically required when the down payment is less than 20% of the purchase price. Because a lower down payment increases lender risk,…