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The first quarter of 2025 delivered a complex but cautiously optimistic economic picture. While inflation remains elevated and job growth is showing signs of cooling, these crosscurrents are fueling expectations that the Federal Reserve may soon have room to ease interest rates—potentially unlocking new momentum in the housing market. Inflation continued to edge higher in … Continue reading Economic Snapshot: Signs of a Softer Landing
April is National Fair Housing Month, a time to recognize the importance of equal housing opportunities for all. This observance commemorates the passage of the Fair Housing Act in 1968, which protects individuals from discrimination when renting, buying, or securing financing for housing. As a mortgage lender, we believe in ensuring that all homebuyers have … Continue reading National Fair Housing Month & What It Means for Homebuyers
Market Comment Mortgage bond prices finished the week lower which put upward pressure on rates. Rates worsened gradually throughout the week with only a slight respite Friday morning. Tariffs dominated headlines and impacted stocks and bonds. Some of the data showed signs of weakness with slight price pressures. Consumer confidence was 92.9 vs 94 and … Continue reading MIG Market Watch, March 31st, 2025
Market Comment Mortgage bond prices finished the week higher which put a little downward pressure on rates. Rates remained steady through the beginning of the week, fell Wednesday afternoon, and pushed a little higher toward the end of the week. The Fed kept rates unchanged and signaled the possibility of two rate cuts sometime this … Continue reading MIG Market Watch, March 24th, 2025
Homebuying is a collaborative process, and at the heart of every successful transaction is a well-connected team. For buyers, that often starts with the synergy between a Loan Officer and a Realtor. Together, these professionals guide clients through the complexities of purchasing a home, combining financial expertise and market insights to deliver a seamless experience. … Continue reading Networking with Realtors to Build a Homebuying Team
If you’re planning to purchase or refinance an investment property, especially with the help of a mortgage, you may come across something called Form 1007, also known as the Single-Family Comparable Rent Schedule. But what is it—and why is it important? What Is Form 1007? Form 1007 is a standard document used by lenders to … Continue reading Understanding Form 1007: A Key Step in Financing Investment Properties
When buying or refinancing a home, one of the required steps is usually a home appraisal—an independent assessment of the property’s value. But did you know it’s possible to skip this step in certain cases? That’s where an appraisal waiver comes in. What’s an Appraisal Waiver? An appraisal waiver allows you to bypass the traditional … Continue reading What Is an Appraisal Waiver—and When Can You Get One?
As the days grow longer and the temperatures climb, it’s the perfect time to get your home ready for the warmer months ahead. Spring is not only a season of renewal but also an opportunity to tackle maintenance tasks and upgrades that can improve your home’s comfort, efficiency, and value. Here are some tips to … Continue reading Preparing Your Home for Warmer Weather
Spring is one of the busiest seasons in real estate, and while the influx of buyers creates excitement, it also brings challenges like bidding wars and limited inventory. For buyers navigating this competitive landscape, having an experienced Realtor by your side can make all the difference. Realtors bring strategies, insights, and connections to help you … Continue reading How Realtors Can Help Find Homes in Competitive Spring Markets
Spring is a season of new beginnings, and for many, it’s the perfect time to start the journey toward homeownership. If you’re a first-time buyer, the real estate market may seem overwhelming, but there are programs designed to make purchasing your first home more accessible and affordable. From government-backed loans to down payment assistance programs, … Continue reading First-Time Buyer Programs for Spring Home Shopping
Market Comment Mortgage bond prices finished the week lower which put upward pressure on rates. Stocks saw continued whipsaw trading and tariffs dominated headlines. Tame consumer and producer inflation readings tempered some of the MBS selling pressure however we still ended the week worse overall. Consumer prices rose 0.2% vs 0.3%. The core rose 0.2% … Continue reading MIG Market Watch, March 17th, 2025
For buyers looking to settle in rural or suburban areas, USDA loans provide a unique opportunity to purchase a home with little to no money down. Backed by the U.S. Department of Agriculture, these loans are designed to make homeownership more accessible to individuals and families in eligible areas. Here’s what USDA loans cover, who … Continue reading Explaining USDA Loans: Perfect for Rural and Suburban Buyers
