Mortgage Blog

VantageScore 4.0 Arrives: How the New Credit Model Could Open Homeownership to 5 Million More Americans

July 9, 2025 | Posted by: John Murphy

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 ...

June Fed Pause: Fixed vs ARM Strategy

June 23, 2025 | Posted by: John Murphy

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 ...

U.S. Federal Reserve leaves its key rate unchanged but sees two cuts this year

June 18, 2025 | Posted by: John Murphy

Although swings in net exports have affected the data, recent indicators suggest that economic ...

Homebuyers: Is Now the Time to Lock in a 6.8% Mortgage Rate?

June 8, 2025 | Posted by: John Murphy

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 ...

Climate Change and Mortgage Risk: What Homebuyers Need to Know in 2025

May 19, 2025 | Posted by: John Murphy

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 ...

May 7-2025 - Federal Reserve issues FOMC statement

May 7, 2025 | Posted by: John Murphy

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 ...

Mortgage Renewals in Early 2025 - Where Might Rates Land?

May 4, 2025 | Posted by: John Murphy

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 ...

Tariffs and Their Impact on Interest Rates: What Homebuyers Need to Know

April 5, 2025 | Posted by: John Murphy

You might be surprised to learn that something like tariffs-basically taxes placed on imported goods-could affect your mortgage or home-buying plans. Tariffs can seem like distant economic policies, b ...

Should You Pay Off Your Mortgage Before Retirement? Pros and Cons to Consider

March 21, 2025 | Posted by: John Murphy

As retirement approaches, many homeowners ponder whether paying off their mortgage early is a wise decision. While the idea of owning your home outright is certainly appealing, it's important to evalu ...

March 19, 2025 - Federal Reserve Maintains Interest Rates

March 20, 2025 | Posted by: John Murphy

Recent indicators suggest that economic activity has continued to expand at a solid pace. The unemployment rate has stabilized at a low level in recent months, and labor market conditions remain solid ...

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