Mortgage Blog
Getting you the mortgage you deserve
The Assumable-Mortgage Gold Rush
August 7, 2025 | Posted by: Ali Shemirani
Imagine locking in a mortgage rate that starts with a 3 while today's averages hover near 6.5 percent. Thanks to a surge in assumable FHA, VA, and USDA loans written during the pandemic, that o ...
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July 30 - 2025 Federal Reserve issues FOMC statement
July 30, 2025 | Posted by: Ali Shemirani
Although swings in net exports continue to affect the data, recent indicators suggest that growth of economic activity moderated in th ...
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Refinance in 2025? How Lower Fed Rates Affect You
July 16, 2025 | Posted by: Ali Shemirani
After years of rising rates and tightening budgets, the Federal Reserve has finally made its move-lowering interest rates for the first time since the pandemic-era hikes. If you're a homeowner i ...
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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: Ali Shemirani
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: Ali Shemirani
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 ...
read moreU.S. Federal Reserve leaves its key rate unchanged but sees two cuts this year
June 18, 2025 | Posted by: Ali Shemirani
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: Ali Shemirani
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: Ali Shemirani
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: Ali Shemirani
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: Ali Shemirani
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 ...
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