Recent Articles
How Credit Inquiries and Scoring Models Work
Most people believe they have “a credit score.” In reality, you have dozens. Not because there are three credit bureaus — but because each bureau runs multiple scoring models designed for different industries. Mortgage lenders, auto lenders, and credit card companies are not all looking at the same score — even when they pull from the same bureau. Understanding this helps explain why your score may change depending on who is reviewing it.
Published on 02/12/2026
Loyalty to Your Bank? Even With Your Home-Loan?
Decided whether you are should use your bank or a mortgage broker?
Published on 02/06/2026
Refinancing Isn’t Just About the Rate — It’s About Your Options
Learn what options refinancing makes available to you.
Published on 01/28/2026
BIG NEWS: Mortgage Rates Are at Their Lowest Level in Years—What That Means for You
Find out what this rate drop means to you for buying a new home.
Published on 01/19/2026
Lock-in Effect: Something big just happened in the U.S. Housing Market
Find out what the experts are anticipating for 2026 housing
Published on 01/12/2026
Holiday Week Catch-Up: Mortgage Rates Hover Near 2-Month Lows
A holiday-week catch-up: light trading kept markets mostly sideways, but the average 30-year fixed edged to near two-month lows as bonds got a small lift from Europe and pending home sales improved.
Published on 12/30/2025
Inflation Cools in November — What It Means for Mortgage Rates
Inflation slowed in November after peaking earlier this fall. Here’s what that means for mortgage rates and what homebuyers should watch next.
Published on 12/18/2025
Fed Cuts Again, But Dot Plot Steers Mortgage Rate Outlook
The Fed cut rates by 0.25% and ended quantitative tightening, but the real story for the average 30-year fixed is in the dot plot and Powell’s comments. Here’s what that means for mortgage rates and homebuyers.
Published on 12/10/2025
This Week in Mortgage Rates: Buyers Are Back as Rates Hover in the Low 6s
Mortgage rates bounced around but stayed in a tight range near the low 6% area this week, while purchase applications hit their highest level since early 2023 and refinance demand more than doubled compared to last year. Here’s what that means if you’re thinking about buying or refinancing.
Published on 12/06/2025