NEWS & INSIGHTS

Rate Hike Again? The Fed raised its policy rate by 0.25 percentage points in September, and CME FedWatch now shows traders pricing in roughly a 70% chance of another increase in October. Even it doesn’t necessarily mean the mortgage rate will rise again in Oct, but it shows a trend of where the rate is going. As we talk with buyers, here are three things worth keeping in mind: 1️⃣ Focus on negotiating seller concessions. A credit may make a bigger difference to a buyer’s near

Why Now May Still Be the Right Time to Buy Agreed 50%. The housing market is slow not only because of interest rates, but because of broader concerns about the economy and financial stability. As loan originators, our job is not to push people who are not ready into a 30-year mortgage. It is to help those who can genuinely benefit from homeownership today make an informed and responsible decision. #HousingMarket #Homeownership #MortgageAdvice #ResponsibleLending #FinancialRea

What Does a 25 Bps Fed Rate Hike Actually Mean to You? Today, the Federal Reserve will announce its latest interest-rate decision. If rates move by 25 basis points (0.25%), what does that actually mean for you? One important misconception first: A 25-bps Fed move does NOT mean mortgage rates automatically move 0.25%. The Fed controls a short-term policy rate. Mortgage rates are influenced more by the bond market, inflation expectations, economic conditions, and—most important