Recent Articles
Gen Z and the Dream of Homeownership: Adapting to a Challenging Market
A new Realtor.com survey reveals that 1 in 5 Gen Z adults say housing affordability is their top life concern. Learn how young buyers are adapting, saving, and staying determined to achieve homeownership.
Published on 10/15/2025
Mortgage Rates Tick Up Slightly as Bonds Weaken and MBS Underperform
On October 9, 2025, the average 30-year fixed mortgage rate edged slightly higher to 6.38% after a weaker 30-year Treasury auction and mild MBS underperformance. Rates remain stable within a narrow range as the government shutdown continues.
Published on 10/10/2025
Mortgage Rates Holds Steady After Weak Jobs Report
On October 1, 2025, the average 30-year fixed mortgage rate held at 6.37% after weak private payroll data. Bigger shifts may follow when the delayed government jobs report is released.
Published on 10/01/2025
3 Reasons Home Affordability Is Improving This Fall
Affordability is finally improving this fall thanks to lower average 30-year fixed mortgage rates, slower home price growth, and rising wages. Learn why now could be the right time to buy.
Published on 09/26/2025
Mortgage Rates Hit Yearly Lows—Then Jump After the Fed Cut. Here’s What Happened (and Why Applications Just Surged)
After touching yearly lows early in the week, the average 30-year fixed rose following the Fed’s rate cut—thanks to the dot plot and Powell’s comments. Still, mortgage applications just saw their biggest weekly jump since 2021 as homeowners reacted to earlier rate declines. Here’s what it means for buyers and homeowners.
Published on 09/19/2025
From Minimum Wage to Millionaire: How $7.25 a Day Can Build Wealth
Most people believe that building wealth is impossible on minimum wage. But what if I told you that even someone making $7.25 an hour could end up a millionaire by retirement? Let’s walk through a real-world example of how discipline, consistency, and smart financial decisions can create generational wealth, starting with nothing more than the cost of a fast-food meal each day.
Published on 09/18/2025
Are Your Frustrated With The Current Real Estate Market? Complaining About Rates And Prices Won't Help But Taking Action In Building Your Future Will.
Focus on What You Can Control in Homeownership If you’ve been paying attention to real estate headlines, you’ve probably seen endless chatter about interest rates and home prices. Some people are waiting for rates to drop. Others are convinced that home prices will crash. And a lot of folks end up sitting on the sidelines, frustrated and feeling powerless.
Published on 09/17/2025
Why Mortgage Rates Follow the 10-Year Treasury – Not the Federal Reserve
Why Mortgage Rates Follow the 10-Year Treasury – Not the Federal Reserve One of the biggest misconceptions in real estate and lending is that mortgage rates automatically move with the Federal Reserve’s decisions. Every time the Fed announces a rate cut (or hike), news headlines stir excitement, and homeowners or buyers think, “Great! Mortgage rates are coming down too.” But here’s the truth: mortgage rates are not directly tied to the Federal Reserve’s federal funds rate. Instead, they closely track the performance of the 10-year U.S. Treasury note. Let’s break it down.
Published on 09/16/2025
Struggling to Afford a Home? Here Are Careers That Can Put You on Track
For many aspiring homeowners, the biggest roadblock isn’t just the cost of the house—it’s qualifying for the mortgage in the first place. Lenders want to see stable employment and enough income to handle monthly payments comfortably. If you’re earning less than $60,000 a year, you might feel like homeownership is out of reach. But here’s the good news: there are careers—many of which don’t require a bachelor’s degree—that can provide steady income above that $60K threshold. If you’re serious about owning a home, exploring one of these paths could change your financial future.
Published on 09/14/2025
Mortgage Rates Near 11 Month Lows—What’s Next With the Fed?
The average 30-year fixed is holding near the lowest levels since October 2024 after a weak jobs report and cooler inflation. Here’s why—and what to watch at next week’s Fed meeting.
Published on 09/12/2025
Get Mortgage Ready: Improve Your Credit & Strengthen Your Approval Odds
When it comes to buying a home, your credit score and financial stability can make a big difference. That’s why we’ve created this resource to help you take the right steps—whether you’re just starting your journey or you’re almost ready to apply for a USDA or FHA mortgage.
Published on 09/11/2025
10 Reasons Why Owning a Home Is Better Than Renting
For many people, the decision to rent or buy a home comes down to more than just monthly payments. While renting can provide short-term flexibility, homeownership brings long-term financial and personal benefits that renting simply can’t match. Here are 10 reasons why owning a home is often the better choice than renting.
Published on 09/09/2025
Why Mortgage Rates Move: What Every Homebuyer Should Know
Mortgage rates are holding near 10-month lows—but don’t assume they’ll stay there. Learn why rates move, what drives them, and what smart buyers and homeowners should do next.
Published on 09/03/2025
From Low Income to Homeownership: How a Career Change Can Pave Your Path
Owning a home is one of the biggest steps toward building wealth and stability. But for many, the biggest obstacle isn’t credit or even a down payment—it’s income. If your paycheck isn’t high enough to qualify for a mortgage today, the dream of homeownership can feel out of reach. The good news is this: by switching to an in-demand career with higher earning potential, you could be mortgage-ready in as little as 2–4 years.
Published on 08/27/2025
Mortgage Rates Holding Steady… For Now
After Powell's Jackson Hole speech, mortgage rates hit their lowest levels since Oct 2024. But don’t get too comfortable—more movement could be coming after Friday’s inflation data and next week's jobs report.
Published on 08/27/2025
Is Homeownership Right for You? Where Do You See Yourself in Five Years?
Owning a home is a dream for many, but it also comes with responsibility. Mortgage payments, property taxes, insurance, and upkeep all require financial discipline and long-term commitment. The truth is, homeownership isn’t for everyone—and that’s okay. But it’s worth asking yourself: where do you see yourself in five years if you decide to keep renting?
Published on 08/25/2025
Why Would Anyone Buy a Home in Today’s Market?
It’s a fair question. The numbers don’t lie: Median rent for a 3-bed/2-bath single-family home: $2,100/month Estimated FHA mortgage (PITI + MIP) on a $350,000 home at 6.125%: $2,730/month On paper, renting looks cheaper — you’re saving about $630 per month. So why in the world would anyone buy a home right now?
Published on 08/23/2025
Save Smart While You Wait to Buy a Home: HYSA vs. Roth IRA
If you’re not quite ready to buy a home—whether because of credit score, income stability, or simply waiting for the right market—this doesn’t mean you should sit idle. The time you spend preparing is a golden opportunity to build both your down payment and your long-term financial security. Two powerful tools stand out: High-Yield Savings Accounts (HYSA) – safe, steady, and liquid. Roth IRA – flexible for home purchases and designed to grow your retirement nest egg.
Published on 08/20/2025
Lower Rates? Don’t Relax Just Yet
Mortgage rates stayed mostly flat this week, holding near 10-month lows. Here’s what happened from August 18–20 and why upcoming economic data could shake things up.
Published on 08/20/2025
Mortgage Rates at 10-Month Lows! Big Opportunity!
Mortgage rates are holding near 10-month lows after early August’s jobs report and mixed inflation data. Here’s what homebuyers and homeowners need to know.
Published on 08/14/2025