Should I Wait For Rates To Drop Before Buying A Home?

A 2025 special report by Coatlity asked potential homebuyers what rate would shift them from window shopping homes to purchasing one. Gen Z’s magic number was 4.9%. And the other groups queried actually had lower thresholds. The median response from would-be American buyers was 4.6% with Boomers holding out for 3.9%. Why is waiting for […]

How to Navigate a High Rate Housing Market

The weekly average 30-year fixed mortgage rate has been sitting above 6% since September 2022 other than one week this past February. As of October 1st, the weekly average for a 30-year fixed was 7.28%. And rates are not likely to have any meaningful decrease over the next few months. So, what can buyers do […]

Changing Homeowner’s Insurance When You Have an Escrow Account

With insurance rates skyrocketing over the past few years, many homeowners are shopping for more affordable policies rather than simply renewing their existing ones. Reviewing your deductible and coverage limits annually is always a good idea, especially when replacement costs have increased. What many homeowner’s forget to consider is looping everyone into the conversation.  If […]

VantageScore vs. FICO: Understanding the Differences and Which Score Matters Most

If you’ve ever checked your credit score through your bank, a credit card app, or a lender, you may have noticed that your score isn’t always the same everywhere. That’s because there are multiple credit scoring models, with FICO and VantageScore being the two most widely used systems. Prior to April 2026, FICO was the […]

Reverse Mortgage: Scam or Strategy?

Despite the bad reputation reverse mortgages have received, they are actually a fantastic tool for the right homeowner. A lot of the negative perceptions stem from misunderstanding and myth. We’ll cover those in a bit, but let’s start with what reverse mortgage actually is. So, what exactly is a reverse mortgage? A reverse mortgage is […]

I want to buy a house. Where do I start?

Buying a home is likely the most expensive transaction you will make in your lifetime. It can be a bit overwhelming. At times, it can even feel impossible. How do you prepare to buy a home? How do first-time homebuyers find the cash for a down payment and closing costs? How much does it all […]

So, the Fed cut rates, now what?

So, the Fed cut rates yesterday, now what? After nine months of holding steady, the Federal Reserve cut the Fed Funds Rate by 25 basis points yesterday. This was expected and the mortgage market had already lowered mortgage rates in anticipation of this. So, how did the mortgage market respond? It is important to note […]

How Has Homebuying Changed in the Past 20 Years?

It’s been a while since you bought your last house. Maybe it was the home you raised your children in, they are all now grown and you’re ready to downsize. Perhaps your parents are getting older and need a little help and you are looking for a multigenerational home. Or maybe you have been dreaming […]

When Is The Right Time To Refinance?

If you’ve been watching mortgage rates wondering if now is the right time to refinance, you might be right. But there isn’t one cookie cutter answer to when the perfect time is to refinance. Instead, it is a very personal, individualized answer that examines your specific circumstances and goals. We call that magic, personal number […]

Assessed Value vs. Appraised Value: What Every Homebuyer Should Know

If you’ve been diving into the world of homebuying, you’ve probably run into a ton of new terms—some of them sound similar, but mean very different things. One that trips up a lot of first-time buyers is assessed value vs. appraised value. They both put a number on a home, but they’re used for completely […]