Buying a home when you have young kids brings unique challenges, but it also creates opportunities to build stability for your family. Your priorities might look different from other homebuyers, and your financial decisions may need to reflect the needs of a growing household. By planning ahead and understanding what matters most, you can choose a mortgage that supports your budget, your lifestyle, and your long-term goals as a parent. Consider How Your Monthly Budget Will ChangeRaising young … [Read more...]
Mortgage Impacts of Using Venmo, Cash App, or PayPal for Income
More people are earning money through freelancing, side gigs, digital work, consulting, and online sales. Because of this, it is common for income to flow through platforms like Venmo, Cash App, or PayPal instead of traditional direct deposits. While these tools make it easy to get paid, they can also affect your mortgage application in ways many buyers do not expect. Understanding how lenders view these platforms can help you prepare long before you apply for a home loan. Know How Lenders View … [Read more...]
What’s Ahead For Mortgage Rates This Week – January 5th, 2026
With the only notable item on the schedule being the release of the Federal Reserve minutes, which reflect the current stance of the Fed, virtually nothing has changed since the last rate cut. The Federal Reserve is expected to continue its wait-and-see approach. Primary Mortgage Market Survey Index 15-Yr FRM rates saw a decrease of -0.06% with the current rate at 5.44% 30-Yr FRM rates saw a decrease of -0.03% with the current rate at 6.15% MND Rate Index 30-Yr FHA rates saw no change for … [Read more...]
Starting the New Year with Smart Home Financing
The New Year is a natural time to pause, reset, and think intentionally about financial goals. For many buyers and homeowners, real estate and home financing are part of that plan. Whether you are considering purchasing a home, refinancing, or simply positioning yourself for future opportunities, starting the year with a clear strategy can make a meaningful difference. Review Your Credit EarlyYour credit profile plays a significant role in determining mortgage options and interest rates. The … [Read more...]
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