Mortgage Blog

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Interest Rate Cuts: How They Can Help You and Boost the U.S. Housing Market

Interest Rate Cuts: How They Can Help You and Boost the U.S. Housing Market

September 3, 2025 | Posted by: Ali Shemirani

When interest rates start to fall, the ripple effects touch almost every corner of the housing market. As your mortgage broker and loan officer team, we're here to unpack what rate cuts really mea ...

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Why the U.S. May Dodge Stagflation, What It Means for Your Wallet

Why the U.S. May Dodge Stagflation, What It Means for Your Wallet

August 19, 2025 | Posted by: Ali Shemirani

Did You Know? Many analysts feared a repeat of the 1970s blend of high inflation and weak growth. Recent data points tell a different story. Inflation has cooled compared with last year, job ...

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The Assumable-Mortgage Gold Rush

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 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

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

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 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 ...

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U.S. Federal Reserve leaves its key rate unchanged but sees two cuts this year

U.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?

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

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 ...

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