Blog – Page 2 of 806

05 Jan 2026

What’s Ahead For Mortgage Rates This Week – January 5th, 2026

Financial Reports

With the only notable item on the schedule being the release of the Federal Reserve minutes, which reflect the current stance of the Fed, virtually nothing has changed since the last rate cut. The Federal Reserve is expected to continue its wait-and-see approach. Primary Mortgage Market Survey Index 15-Yr FRM rates saw a decrease of -0.06% with the current rate at 5.44% 30-Yr FRM rates saw a decrease of -0.03% with the current rate at 6.15% MND Rate Index 30-Yr FHA rates saw no change for this week. Current rates at 5.85% 30-Yr VA rates saw no change for this…

02 Jan 2026

By Mark Feder

Starting the New Year with Smart Home Financing

Mortgage Tips

The New Year is a natural time to pause, reset, and think intentionally about financial goals. For many buyers and homeowners, real estate and home financing are part of that plan. Whether you are considering purchasing a home, refinancing, or simply positioning yourself for future opportunities, starting the year with a clear strategy can make a meaningful difference. Review Your Credit EarlyYour credit profile plays a significant role in determining mortgage options and interest rates. The beginning of the year is an ideal time to review your credit report, address any errors, and pay down high balance accounts. Small improvements…

31 Dec 2025

By Mark Feder

Why Good Credit Score Is Not Always Enough to Secure a Mortgage

Mortgage Tips

A strong credit score gives many buyers confidence as they prepare to purchase a home. Good payment history and responsible credit use are valuable, but they do not guarantee approval. There are several other important factors that lenders review, and any one of them can slow down or stop the process. When Your Debt Becomes a BarrierYour credit score reflects how well you manage credit, but lenders also review how much debt you carry. High monthly obligations can limit the loan amount you qualify for, and in some cases, prevent approval. Lenders calculate your debt-to-income ratio, which is the percentage…

30 Dec 2025

By Mark Feder

How the Sharing Economy Is Changing Mortgage Underwriting

Mortgage Tips

The rise of the sharing economy has changed the way many people work, earn, and budget. Income from rideshare driving, freelance projects, short-term rentals, and delivery apps has become a normal part of modern finances. These new income streams are helpful for building savings and paying bills, but they also affect how lenders view your mortgage application. Understanding how the sharing economy influences underwriting can help you prepare for a smooth approval process. Know How Lenders View Non-Traditional IncomeIncome from rideshare apps, delivery platforms, online marketplaces, and short-term rental hosting does not flow through a traditional payroll system. Because of…