Mortgage Blog
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VantageScore 4.0 Arrives: How the New Credit Model Could Open Homeownership to 5 Million More Americans
July 9, 2025 | Posted by: Robert Salotto
On July 8, 2025, the Federal Housing Finance Agency (FHFA) gave mortgage lenders an historic green-light: they may now submit loans to Fannie Mae and Freddie Mac using the VantageScore 4.0 credit ...
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June Fed Pause: Fixed vs ARM Strategy
June 23, 2025 | Posted by: Robert Salotto
Fed Holds Steady: Why Mortgage Pros Should Care On June 18 2025, the Federal Open Market Committee (FOMC) left its federal funds target range unchanged at 4.75 % – 5.00 %. While a "pause" sounds ...
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U.S. Federal Reserve leaves its key rate unchanged but sees two cuts this year
June 18, 2025 | Posted by: Robert Salotto
Although swings in net exports have affected the data, recent indicators suggest that economic ...
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Homebuyers: Is Now the Time to Lock in a 6.8% Mortgage Rate?
June 8, 2025 | Posted by: Robert Salotto
If you're thinking about buying a home in 2025, you've probably noticed something interesting-mortgage rates have dipped slightly, with 30-year fixed rates now hovering around 6.8%. After years of m ...
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Climate Change and Mortgage Risk: What Homebuyers Need to Know in 2025
May 19, 2025 | Posted by: Robert Salotto
Buying a home is one of the most significant investments you'll ever make. While factors like interest rates, location, and property condition typically top the list of home buyers' concerns, climate ...
read moreMay 7-2025 - Federal Reserve issues FOMC statement
May 7, 2025 | Posted by: Robert Salotto
Although swings in net exports have affected the data, recent indicators suggest that economic activity has continued to expand at a solid pace. The unemployment rate has stabilized at a low level in ...
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Mortgage Renewals in Early 2025 - Where Might Rates Land?
May 4, 2025 | Posted by: Robert Salotto
A friendly guide for American homeowners who are about to renegotiate one of the biggest contracts of their lives. Introduction - Why Everyone Is Talking About 2025 Refinances If your existing m ...
read moreTariffs and Their Impact on Interest Rates: What Homebuyers Need to Know
April 5, 2025 | Posted by: Robert Salotto
You might be surprised to learn that something like tariffs-basically taxes placed on imported goods-could affect your mortgage or home-buying plans. Tariffs can seem like distant economic policies, b ...
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Should You Pay Off Your Mortgage Before Retirement? Pros and Cons to Consider
March 21, 2025 | Posted by: Robert Salotto
As retirement approaches, many homeowners ponder whether paying off their mortgage early is a wise decision. While the idea of owning your home outright is certainly appealing, it's important to evalu ...
read moreMarch 19, 2025 - Federal Reserve Maintains Interest Rates
March 20, 2025 | Posted by: Robert Salotto
Recent indicators suggest that economic activity has continued to expand at a solid pace. The unemployment rate has stabilized at a low level in recent months, and labor market conditions remain solid ...
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