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Spring is one of the most competitive times of year to buy a home. Inventory typically increases, but so does buyer demand—which means preparation is everything. If you’re thinking about purchasing a home this spring, getting a head start now can make the difference between winning your dream home or missing out. Here are some … Continue reading Preparing to Buy a Home This Spring: Smart Tips to Get Ahead
Market Comment Mortgage bond prices finished the week slightly higher which put a little downward pressure on rates. Trading was negative to start the week but slowly recovered as stocks got crushed mid-week. The U.S. Administration’s announcement of a new Fed Chair nomination along with high tech company valuation concerns dominated trading. The data also … Continue reading MIG Market Watch, February 9th, 2026
Tax season often brings a welcome financial boost. For many future homeowners, a tax refund can be the key that unlocks the door to homeownership. If you’re thinking about buying a home, using your tax refund strategically—especially toward your down payment—can put you on the fast track to success. As a mortgage loan officer, I … Continue reading Tax Refund to Down Payment: How to Use Your Refund Wisely When Buying a Home
Market Comment Mortgage bond prices finished the week slightly higher which put a little downward pressure on rates. Trading was within a relatively narrow range even surrounding the mid-week Fed meeting. The Fed kept rates unchanged and saw balanced risks between employment and inflation. Producer prices were higher than expected which ignited fears Friday morning. … Continue reading MIG Market Watch, February 2nd, 2026
Valentine’s Day isn’t just about chocolates and flowers—it’s also a great reminder to show your home a little love. Whether you’re dreaming of a kitchen refresh, a bathroom upgrade, or boosting your home’s value with smart improvements, the right financing can make it happen without straining your budget. Let’s explore a few popular renovation financing … Continue reading Show Your Home Some Love: Smart Renovation Financing Options
Market Comment Mortgage bond prices finished the week lower which put a little upward pressure on rates. We started on a negative note Monday, were slightly positive mid-week, and flat to end the week. European tariffs, stocks, and global economic uncertainty dominated headlines. The data showed solid economic growth with little price pressures. ADP weekly … Continue reading MIG Market Watch, January 26th, 2026
As a Mortgage Loan Officer, I see it every day—your credit score can open doors to homeownership or quietly hold you back. The good news? Your credit score isn’t permanent. With a little attention and smart habits, you can strengthen it and create a healthier financial future. Whether you’re thinking about buying a home now … Continue reading Love Your Credit Score: Simple Steps for a Healthier Financial Future
Market Comment Mortgage bond prices finished the week lower which put upward pressure on rates. We started on a negative note Monday and Tuesday, languished mid-week, and saw some negative MBS sentiment to end the week. The recent US Department of Justice subpoena of Fed Chair Powell caused market instability and Powell’s response which noted … Continue reading MIG Market Watch, January 19th, 2026
In today’s housing market, one concern rises above all others: monthly payments. In fact, 78% of buyers say their biggest hesitation isn’t the home price — it’s whether they can comfortably afford the payment. That mindset makes sense. Borrowing costs remain higher than the ultra-low rates of the past, and buyers are more cautious about … Continue reading Payment-Focused, Not Price-Focused: How to Budget for a Home in 2026
Market Comment Mortgage bond prices finished the week near unchanged which held rates steady. Trading was very quiet the beginning of the week, but volatility picked up Thursday and Friday as an anticipated Supreme Court ruling on tariffs was delayed and the Fed’s 2026 rate path remained murky. The economic data was mixed. ISM Index … Continue reading MIG Market Watch, January 12th, 2026
Affordability challenges are expected to remain a key issue for homebuyers in 2026. While home prices and mortgage rates may stabilize compared to recent years, many buyers will still face higher monthly payments than they anticipated. The good news? A more balanced housing market is opening the door to creative financing strategies that can significantly … Continue reading Creative Financing in 2026: How Seller Concessions and 2/1 Buydowns Can Improve Affordability
Market Comment Mortgage bond prices finished the week near unchanged which held rates steady. Trading was very thin with minimal price movements due to the holiday and few data releases. FHFA housing rose 0.4% vs 0.1%. The Fed Minutes noted “Market participants did not materially change their macroeconomic outlooks and continued to interpret data made … Continue reading MIG Market Watch, January 5th, 2026
