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Will Mortgage Rates Fall Soon? What Buyers & Homeowners Should Really Expect

Chris Carter

Published on: 02/10/2025

If you’re thinking about buying or refinancing, you’re probably asking: Will mortgage rates finally drop? With talk of a Federal Reserve rate cut, it’s tempting to wait and hope for better numbers. As of September 2025, 30-year fixed rates have already slid into the mid-6% range, and some forecasts call for modest additional declines — but the story isn’t as simple as watching the Fed.

Mortgage

Is Now the Right Time to Buy or Refinance? Here’s How to Decide With Confidence

Chris Carter

Published on: 02/10/2025

Every time mortgage rates start to shift, one question always pops up: Should I make a move now or wait? Following the Federal Reserve’s expected rate cut this September, buyers and homeowners alike are wondering if it’s smarter to act today or hold off for something better. The answer depends on your personal timeline and goals — but there are a few key things everyone should consider.

Mortgage

THE HIDDEN FEES NO ONE TELLS YOU ABOUT

Chris Carter

Published on: 25/07/2025

Let’s talk about something most homebuyers miss—because no one tells you to ask. You get a rate quote—let’s say 6.5%. Sounds good, right? But what if I told you that exact same rate could come with $5,000… or even $10,000 in extra fees? Here’s the truth: the interest rate is just the headline. The real story is in the fine print.

Mortgage

HOW MUCH DO YOU REALLY NEED FOR A DOWN PAYMENT?

Chris Carter

Published on: 25/07/2025

Let’s bust the biggest myth in homebuying right now. You do not need 20% down to buy a house. That rule is outdated. And for most buyers? Totally unnecessary.

Mortgage