Matthew Jackson+FollowCould Cheaper Mortgages Be Coming Soon?Thinking about buying a home but put off by sky-high mortgage rates? You’re not alone! Experts say if inflation keeps cooling off, we could see the Fed finally cut rates, making mortgages more affordable—maybe as soon as 2026. Right now, most folks are waiting for rates to drop below 6% before jumping in. If you’re dreaming of your own place, keep an eye on those rate changes—your window to buy might open up sooner than you think! #HomeBuying #MortgageTips #MoneyMoves #RealEstate41Share
Aaron Ballard+FollowMortgage Rates Dip—Is It Time to Pounce?Heads up, home shoppers: mortgage rates just hit a four-week low, sliding to 6.81%. With the Fed keeping rates steady (despite some political drama), this little dip could be your sign to start house hunting. More homes are popping up for sale, and buyers are feeling more confident—so you might actually have options (and maybe even a price cut) this summer. Just remember, your credit score still matters big time for snagging the best deal! #HomeBuying #MortgageTips #RealEstate00Share
Matthew Jackson+FollowWhy Fewer People Are Picking Interest-Only LoansSpotted: Interest-only mortgages are on the way out! More homeowners are ditching these 'just pay the interest' deals and actually paying off their loans faster. The catch with interest-only is you get lower monthly payments, but eventually you have to cough up the full amount. Now, with fewer people using these loans, it looks like folks are getting savvier about not leaving a big bill for later. If you’re on one, check in with your lender early to avoid surprises! #MoneyHacks #MortgageTips #HomeFinance #RealEstate12Share
Denise Kemp+FollowWhy Your Neighbor's Refi Rate Is LowerEver wonder why your friend in New York brags about a lower mortgage refi rate than you? It’s not just luck—refinance rates actually change depending on where you live, thanks to local lenders, state rules, and even average credit scores. The big takeaway: Don’t just grab the first rate you see online (those teaser rates are for unicorn borrowers). Always shop around, compare, and see what fits your wallet best! #MortgageTips #RefinanceSmart #MoneyHacks #HomeBuying #FinanceChat #RealEstate110Share
First Key Finds+Followlow fees? great communication? find your lender!Picking a mortgage lender doesn’t have to be stressful if you focus on two key things: 1. Best Rates & Fees Look for the lowest APR and fees. Many lenders will even match written offers from competitors. 2. Knowledge & Communication You want a lender who can explain things clearly and will ensure a smooth, error-free process. Consider working with mortgage brokers or direct lenders—they specialize in this and often offer great service. Credit unions can also provide good rates, but you may need to join. Big banks are convenient for long-term servicing, but their rates aren’t usually the best upfront. Take the time to interview and compare offers to find the right fit for you! #mortgagetips #homebuying #mortgagelender00Share
First Key Finds+FollowNavigate the home loan process step-by-step!Buying a home with a loan can seem overwhelming, but breaking it down into steps makes it manageable. Here's a simple guide: Step 1: Pre-Approval Provide your income, assets, and credit report to get a pre-approval letter. This shows you're financially capable. Step 2: Find a Home & Make an Offer Work with an agent, find a home, and submit your offer. This kicks off the loan process. Step 3: Initial Loan Disclosures Review the Loan Estimate, which lists your loan terms and estimated costs. Sign to move ahead. Step 4: Process & Approval From document processing to the appraisal and underwriter's approval, then you’ll sign your loan documents, wait a few days, and finally close on your home! Buying a home doesn’t have to be complicated if you understand the steps. 🌟 #homebuying #mortgagetips #realestategoals111Share
John Fields+Followyour rent history could be your mortgage ticketDid you know your rent payment history can boost your mortgage application? Many lenders now consider consistent rent payments as proof of financial responsibility. Ask your landlord for formal rent statements when applying for a mortgage. This can be especially powerful if you have limited credit history but a solid rental track record! #mortgagetips #firsttimehomebuyer #homeownership #realestate645Share
Matthew Jackson+FollowShould You Refi Now or Wait?Thinking about refinancing your mortgage? Rates are holding steady, with 30-year refis at 6.81%. That means your monthly payment on a $100k loan is about $653 (before taxes and fees). The catch: experts say rates probably won’t drop much until later this year. So, if you’re hoping to save big, it might pay to wait. In the meantime, work on boosting your credit score and paying down debt to snag the best deal when rates dip! #MortgageTips #Refinance #MoneyHacks #RealEstate00Share
randerson+FollowWill Mortgage Rates Finally Budge This Summer?Thinking about buying a home but waiting for mortgage rates to drop? Here’s the scoop: Experts say rates will likely hover around 7% this summer—unless inflation or jobs take a wild turn. If rates do dip, expect a rush of buyers and bidding wars. If they rise, your monthly payment could jump. Pro tip: Instead of waiting for the perfect rate, focus on negotiating perks like seller credits or rate buydowns. Sometimes, waiting means missing out! #MortgageTips #HomeBuying #MoneyHacks #RealEstate20Share
Denise Kemp+FollowWill Your Mortgage Get More Expensive?Heard the buzz about Fannie Mae and Freddie Mac? The government might finally let these mortgage giants go solo after years of running the show. If that happens, it could mean a huge payday for taxpayers—think billions for new housing. But here’s the catch: if the government steps back, your future mortgage could cost you tens of thousands more over 30 years. So, if you’re house-hunting, keep an eye on this drama! #HomeBuying #MortgageTips #MoneyMoves #RealEstate00Share
