Recent Articles
Feb
06
2026
Loyalty to Your Bank? Even With Your Home-Loan?
You’ve probably had the same checking account since you were sixteen. Your bank knows your name. Your debit card works everywhere. Loyalty feels safe.
But when it comes to a mortgage, that “loyalty” can quietly turn into a convenience fee—and sometimes, a...
Jan
28
2026
Refinancing Isn’t Just About the Rate — It’s About Your Options
When most homeowners hear the word refinance, they immediately think one thing: getting a lower interest rate.
While that can certainly be part of the picture, it’s far from the whole story. In reality, refinancing is less about chasing rates and more about using your mortgage as a...
Jan
12
2026
Lock-in Effect: Something big just happened in the U.S. Housing Market
For the past few years, one phrase has dominated housing market conversations: the mortgage rate lock-in effect.
Millions of homeowners secured ultra-low mortgage rates below 3% during the pandemic, creating a powerful disincentive to sell. Why give up a once-in-a-lifetime rate and...
Dec
30
2025
Holiday Week Catch-Up: Mortgage Rates Hover Near 2-Month Lows
If the mortgage market felt unusually quiet over the holiday stretch, that’s because it was. The final weeks of December are known for “holiday trading,” which is when fewer people are actively buying and selling in the bond market. Since mortgage rates are driven by...
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