Recent Articles
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