The relationship between bond rates and mortgage rates is a critical topic for understanding housing market dynamics. Bond rates, particularly those of U.S. Treasury securities, serve as a benchmark for various interest rates, including those for mortgages. This article explores how changes in bond rates influence mortgage rates, the mechanisms behind this relationship, and the… Read More »
Yes, you can roll closing costs into your mortgage through refinancing or certain purchase loans, but not all loan types allow it. The rules differ significantly across the four main loan programs, and understanding them upfront can save you from being blindsided at the closing table. Refinancing lets you add closing costs to your new… Read More »
In the volatile economic landscape of 2025, tariffs have emerged as a pivotal policy tool under the Trump administration, sparking intense debate about their ripple effects across various sectors. As of September 11, 2025, with recent tariff implementations on imports from key trading partners like China and Mexico, questions abound regarding their influence on everyday… Read More »
People who have never bought a home before might think that once they have been pre-qualified for a mortgage, they may be good to go. Not the case. There is a difference between mortgage pre-qualification and mortgage pre-approval. There is a right way and wrong way to apply for a first time home buyer loan… Read More »
