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Can a reverse mortgage help you in retirement?

Mortgage News

Can A Reverse Mortgage Help You In Retirement?

Did you know around a quarter of the US population will be over 60 by 2060? Around 80% of older adults own their home. That helps reduce their living expenses while on a fixed income and acts as a source of equity.  But not everyone has enough saved for their retirement, leaving them looking for […]

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Mortgage Rate Update - Rates Increase in February 2024

Mortgage News

Mortgage Rate Update: Rates Increase In February 2024

Unfortunately for the year’s early home buyers, mortgage rates aren’t any more favorable than in January. In many cases, rates are up. How did mortgage rates fare in the second month of 2024? Rates hit 6.9% US Federal Reserve reported an average rate of 6.63% on 30-year fixed-rate products to start the month. The hope […]

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Mortgage Rate Updates

Mortgage News

Mortgage Rate Update: Rates Stabilize In January 2024  

In some good news for prospective home buyers, interest rates on home loans moderated some in January 2024. Rates dipped below 7% in December and stayed stable throughout the month. Whether or not that will be sustained into February depends on factors like the Federal Reserve’s end-of-the-month meeting, the updated inflation report, and the jobs […]

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ways to lower your mortgage interest rate

Mortgage News

Ways to Lower Your Mortgage Interest Rate  

Mortgage rates have been higher for quite some time now, and experts say they are here to stay. The predictions for 2024 anticipate interest rates persisting around 6-7%. For those still waiting to buy a new home or refinance your mortgage, dealing with those increased interest rates is a reality. However, this doesn’t mean you […]

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Federal Reserve Fall Updates on Mortgage Rates

Mortgage News

Federal Reserve Fall Update Brings Mixed News for Mortgage Rates

It’s mixed news for those tracking the Federal Reserve and the 10-year Treasury Yield. At its latest committee meeting held November 1, the Federal Reserve decided to hold steady to its 5.25-5.5% basis rate for federal funds. It was a unanimous decision with implications for mortgage rates. The good and bad on the basis rate […]

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Debt to Income ratio improvement strategies

Mortgage News

Strategies to Improve Your Debt-to-Income Ratio

Are you looking to buy a new home or refinance your current mortgage? If so, pay attention to your debt-to-income ratio (DTI). Lenders use this factor to determine your creditworthiness and ability to make timely mortgage payments. The end result? The lower the DTI, the better the loan terms. Anything you can do to improve […]

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8 Percent Mortgage Coming

Mortgage News

Hold on: 8% mortgage rates are coming

The recent surge in mortgage rates has sparked concerns about affordability among homeowners and potential buyers alike. Now, experts believe seeing 8% mortgage rates isn’t a matter of “if” but “when,” with that possibly being very real in the next few weeks. The 10-year Treasury Yield, which serves as a benchmark for long-term interest rates, […]

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mortgage rates locked at 7% for now

Mortgage News

Mortgage Rates Locked In Over 7% For Now

In more challenges for home buyers and real estate investors, mortgage rates keep floating above 7%. Mortgage lenders were offering 30-year fixed rates averaging over 7.5% as of September 21, the highest in over 22 years. Although there are some adjustments for discount points, many loans are being quoted with points, resulting in slightly lower […]

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Mortgage Rates

Mortgage News

Market Alert! Mortgage Rates Reach New Highs

In more distressing news for homeowners waiting for affordability to improve, mortgage rates achieved a new record this week. With the 30-year fixed rate reaching 7.09% the week of August 14, rates are now at their highest in 22 years. Freddie Mac released its update on Thursday, noting that the last time the rate was […]

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Lenders that made most mortgages in 2022

Mortgage News

These Lenders Made the Most Mortgages in 2022

These Lenders Made the Most Mortgages in 2022 The top lenders in America in 2022 featured some familiar names in the world of mortgages. One notable change for 2022 was more traditional depositories (bank organizations that can accept deposits) cracked into the top 10. This reflects a greater confidence in working with banks for mortgage […]

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mortgage demand going downtrend

Mortgage News

Mortgage Demand Is Down: What Home Buyers Need to Know

Mortgage Demand Is Down: What Home Buyers Need to Know It wasn’t long ago that it was much easier to sell a house. The proof is in the demand for mortgages, which recently fell to a new 28-year-low. Within one week in early March 2023, new mortgage applications declined by 6%, shriveling to levels we […]

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Key Mortgage Rates to watch this 2023

Mortgage News

Key Mortgage Rate Dates to Watch in 2024

Key Mortgage Rate Dates to Watch in 2024 Wouldn’t it be nice to know where mortgage rates are headed before the market does? No one knows for sure, but attentive home buyers can learn to read the trade winds. For mortgage rates, a few important dates reveal clues on where rates may be heading in […]

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Mortgage industry 2023

Mortgage News

Where the Mortgage Industry Is Heading in 2023

Where the Mortgage Industry Is Heading in 2023 Rising interest rates in 2022 have spooked many home buyers. It wasn’t easy seeing inflation run rampant throughout the year, driving up the cost of everything from gasoline to the interest rates on new mortgages. But trends at the end of 2022 could hint at what real […]

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Mortgage News

Get Ready for Condo Financing Changes in 2022

Get Ready for Condo Financing Changes in 2022 After the tragic Surfside condo collapse, every part of the condominium industry is reviewing, assessing, and updating. These reviews cover construction practices, permitting, and HOA management. Everything is geared around ensuring condos are safe, well managed, and desirable places to live for everyone.  The collapse caused lenders […]

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Mortgage News

Second Home Mortgage Rates are Going Up in 2022

Second Home Mortgage Rates Going Up in 2022 Get ready to pay more for your second home. The Federal Housing Finance Agency (FHFA) announced targeted increases to Fannie Mae and Freddie Mac’s upfront fees for second home loans in January. What exactly do these changes mean for the purchase of your Carolina second residence, investment […]

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Mortgage News

Will Conforming Loan Limits Increase for 2022?

Will Conforming Loan Limits Increase for 2022? If your lender has mentioned conforming versus non-conforming loans, you may be confused. Don’t be. Conforming loans are the primary type of financing homeowners receive. A conforming loan simply means your terms meet defined criteria that enable the originator to insure and sell the mortgage. Learn all you […]

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Mortgage News

Conforming Loan Limits Increase for 2021

Conforming Loan Limit Increase for 2021 If you’re planning on buying a home in 2021, you’ll probably be relieved to find out that the conforming loan limit will be increasing! This limit represents the amount that Fannie Mae and Freddie Mac can guarantee. Thus, the limit going up is positive for buyers because it means […]

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Get the inside edge on real estate sales and marketing! Explore a wealth of expert insights on podcasts featuring our ez Home Search founder Preston Guyton. Here you'll find insights on lead generation, conversion, and much more. Tune in - like, share, and subscribe for valuable strategies and insights.

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