While many were optimistic about an additional rate cut, the Federal Reserve has decided to maintain current interest rates pending further data. They have previously stated that at least one more rate cut would follow the last one, but their stance now appears to depend on the availability of sufficient supporting data.
Tips to Remember When Shopping for a New Home Loan
Finding a new home loan can seem challenging, but if you take the proper steps before you start applying for loans, you'll have no difficulty finding a mortgage that works for you and a lender that would love to have you as a borrower. Shopping for a mortgage isn't like shopping for a couch, and there's a lot that goes into the process.
Why Co-Signing a Car Loan Can Affect Your Mortgage Application
Co-signing a car loan may seem like a small favor for a family member or friend, but many homebuyers do not realize how much it affects their own mortgage approval. Even if you never drive the car, never make a payment, and never see the vehicle, the loan becomes legally and financially tied to you. Understanding how co-signing affects your credit, your debt, and your loan options can help you protect your mortgage eligibility.
Mortgage Tips for Recent Graduates Entering the Workforce
Starting your career is an exciting milestone, and for many recent graduates, the idea of becoming a homeowner feels closer than ever. While student loans, new job transitions, and building credit can make the mortgage process feel overwhelming, you have more options and advantages than you may realize. With the right preparation, you can move toward homeownership confidently and avoid common first-time buyer mistakes.
How to Qualify for a Mortgage With No Credit Score
If you have no credit score, you may think homeownership is out of reach, but that is not true. Many people who avoid credit cards, pay with cash, or are new to the United States have no traditional credit history. Lenders call this a non-traditional credit profile, and while it requires extra steps, you can still qualify for a mortgage. With the right preparation, you can show lenders that you are responsible, consistent, and financially ready to own a home.
What’s Ahead For Mortgage Rates This Week – January 26th, 2026
The Federal Reserve's preferred inflation indicator -- the Personal Consumption Expenditures (PCE) Index -- released under delayed conditions, but it was within expectations. Next week will be another Federal Reserve Rate Decision, and it is expected that the Federal Reserve will reduce rates at least one more time. The optimism among the broader market has been showing that multiple sectors that seem unphased by the administrative decisions and current political climate.
Mortgages and Divorce: Keeping Your Home During Life’s Changes
Divorce or separation is a challenging time, and amidst the emotional and logistical complexities, handling mortgage issues can add another layer of stress.
Homeowners in Financial Distress: Mortgage Forbearance and Loan Modification
In times of financial hardship, such as job loss, medical emergencies, or economic downturns, homeowners may find it challenging to keep up with their mortgage payments. When facing such difficulties, understanding options like mortgage forbearance and loan modification can be crucial for maintaining stability and avoiding foreclosure.
Exploring the Benefits of Buying a Fixer-Upper
Are you in the market for a new home? Have you considered the allure of a fixer-upper? While the idea of purchasing a home that needs a bit of TLC might seem daunting at first, numerous benefits come with this type of investment. We will plunge into the exciting world of fixer-uppers and uncover why they might just be the perfect choice for you.
What’s Ahead For Mortgage Rates This Week – January 20th, 2026
Inflation reports have shown their cards, and they have come in line with expectations. These newer reports rely on less data from sources overall, which is why the PCE Index remains the Federal Reserve's preferred inflation indicator--and that distinction is even more relevant now.
