Mortgage Blog
Residential, Commercial, Non-QM, and Private Lending
Category: Mortgage (17 posts)
Over 4 M U.S. Homeowners Could Refinance as Rates Stabilize
November 21, 2025 | Posted by: Shanta Crawford-Hill
Did You Know ? Did you know that more than four million U.S. homeowners are now poised to benefit from refinancing their mortgages because interest rates have started to stabilise and some borrowers l ...
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Why rising inventory and slowing U.S. home-price growth matter for lock-in strategy
November 10, 2025 | Posted by: Shanta Crawford-Hill
Across the United States, the housing market is showing its first real signs of balance in years. With more homes hitting the market and price growth cooling, many buyers and homeowners are wondering ...
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October 29, 2025 - Federal Reserve issues FOMC statement
October 29, 2025 | Posted by: Shanta Crawford-Hill
Available indicators suggest that economic activity has been expanding at a ...
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Why Now Is a Smart Time to Re-Evaluate Your Mortgage Strategy (Even if You’re Not Ready to Move)
October 20, 2025 | Posted by: Shanta Crawford-Hill
For many American homeowners, the mortgage conversation tends to fade into the background once the loan is closed. But in 2025, that old "set it and forget it" mindset could be costing you thousands. ...
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How Lower Rates Could Help Gig Workers Get Mortgages in 2025
October 6, 2025 | Posted by: Shanta Crawford-Hill
As interest rates ease somewhat from their peaks earlier in the year, the mortgage landscape in the United States is shifting. For gig workers and self-employed professionals, this shift may o ...
read moreSept 17-2025 - Federal Reserve issues FOMC statement
September 17, 2025 | Posted by: Shanta Crawford-Hill
Recent indicators suggest that growth of economic activity moderated in the first half of the year. Job gains have slowed, and the unemployment rate has edged up but remains low. Inflation has moved u ...
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Interest Rate Cuts: How They Can Help You and Boost the U.S. Housing Market
September 3, 2025 | Posted by: Shanta Crawford-Hill
When interest rates start to fall, the ripple effects touch almost every corner of the housing market. As your mortgage broker and loan officer team, we're here to unpack what rate cuts really mea ...
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The Assumable-Mortgage Gold Rush
August 7, 2025 | Posted by: Shanta Crawford-Hill
Imagine locking in a mortgage rate that starts with a 3 while today's averages hover near 6.5 percent. Thanks to a surge in assumable FHA, VA, and USDA loans written during the pandemic, that o ...
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July 30 - 2025 Federal Reserve issues FOMC statement
July 30, 2025 | Posted by: Shanta Crawford-Hill
Although swings in net exports continue to affect the data, recent indicators suggest that growth of economic activity moderated in th ...
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Refinance in 2025? How Lower Fed Rates Affect You
July 16, 2025 | Posted by: Shanta Crawford-Hill
After years of rising rates and tightening budgets, the Federal Reserve has finally made its move-lowering interest rates for the first time since the pandemic-era hikes. If you're a homeowner i ...
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VantageScore 4.0 Arrives: How the New Credit Model Could Open Homeownership to 5 Million More Americans
July 9, 2025 | Posted by: Shanta Crawford-Hill
On July 8, 2025, the Federal Housing Finance Agency (FHFA) gave mortgage lenders an historic green-light: they may now submit loans to Fannie Mae and Freddie Mac using the VantageScore 4.0 credit ...
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June Fed Pause: Fixed vs ARM Strategy
June 23, 2025 | Posted by: Shanta Crawford-Hill
Fed Holds Steady: Why Mortgage Pros Should Care On June 18 2025, the Federal Open Market Committee (FOMC) left its federal funds target range unchanged at 4.75 % – 5.00 %. While a "pause" sounds ...
read moreU.S. Federal Reserve leaves its key rate unchanged but sees two cuts this year
June 18, 2025 | Posted by: Shanta Crawford-Hill
Although swings in net exports have affected the data, recent indicators suggest that economic ...
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Homebuyers: Is Now the Time to Lock in a 6.8% Mortgage Rate?
June 8, 2025 | Posted by: Shanta Crawford-Hill
If you're thinking about buying a home in 2025, you've probably noticed something interesting-mortgage rates have dipped slightly, with 30-year fixed rates now hovering around 6.8%. After years of m ...
read moreClimate Change and Mortgage Risk: What Homebuyers Need to Know in 2025
May 19, 2025 | Posted by: Shanta Crawford-Hill
Buying a home is one of the most significant investments you'll ever make. While factors like interest rates, location, and property condition typically top the list of home buyers' concerns, climate ...
read moreMay 7-2025 - Federal Reserve issues FOMC statement
May 7, 2025 | Posted by: Shanta Crawford-Hill
Although swings in net exports have affected the data, recent indicators suggest that economic activity has continued to expand at a solid pace. The unemployment rate has stabilized at a low level in ...
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Mortgage Renewals in Early 2025 - Where Might Rates Land?
May 4, 2025 | Posted by: Shanta Crawford-Hill
A friendly guide for American homeowners who are about to renegotiate one of the biggest contracts of their lives. Introduction - Why Everyone Is Talking About 2025 Refinances If your existing m ...
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