Recent Articles
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