A holiday-week catch-up: light trading kept markets mostly sideways, but the average 30-year fixed edged to near two-month lows as bonds got a small lift from Europe and pending home sales improved.
Published on 12/30/2025
Inflation slowed in November after peaking earlier this fall. Here’s what that means for mortgage rates and what homebuyers should watch next.
Published on 12/18/2025
The Fed approved a 0.25% rate cut—the third consecutive reduction of 2025—lowering the federal funds rate to a range of 3.50%–3.75%. This decision wasn't unanimous, with three dissents highlighting divisions: one member favored a larger 0.50% cut, while two preferred holding steady. Chair Jerome Powell described the move as positioning policy in a neutral range, allowing the Fed to "wait and see" how the economy evolves amid ongoing data.
Published on 12/16/2025
The Fed cut rates by 0.25% and ended quantitative tightening, but the real story for the average 30-year fixed is in the dot plot and Powell’s comments. Here’s what that means for mortgage rates and homebuyers.
Published on 12/10/2025
Today, I want to dive deep into a topic that's been buzzing in the real estate world: the 50-year mortgage. It sounds appealing at first glance, right? Lower monthly payments that make homeownership feel more accessible. But is it really a smart move, or could it turn into a financial pitfall that hinders your path to generational wealth?
Published on 12/08/2025
Mortgage rates bounced around but stayed in a tight range near the low 6% area this week, while purchase applications hit their highest level since early 2023 and refinance demand more than doubled compared to last year. Here’s what that means if you’re thinking about buying or refinancing.
Published on 12/06/2025
Stronger jobless-claims and durable-goods data from last week pushed the average 30-year fixed slightly higher, but mortgage rates are still near recent lows. Here’s what that means for buyers and homeowners
Published on 12/01/2025
Mortgage rates held steady after a mixed jobs report, with unemployment rising and job growth coming in stronger than expected. Learn what this means for homebuyers and what to watch next.
Published on 11/21/2025
The Trump administration says it’s exploring 50-year mortgage options to help with affordability. Learn what this could mean for homebuyers, monthly payments, and long-term costs.
Published on 11/11/2025
Fannie Mae’s new credit score policy lets lenders use automated approvals even for borrowers below 620. Here’s what that means for homebuyers who thought they couldn’t qualify.
Published on 11/08/2025
Mortgage rates dipped, then jumped after the Fed’s cut. A $15B corporate bond sale and stronger economic reports added pressure. Here’s the simple, kid-level way to understand what’s happening and what it means for buyers.
Published on 11/06/2025
Join me on Mosaic: The Stories of Real Estate, where I examine the Federal Reserve's upcoming announcement and Chairman Jerome Powell's remarks.
Published on 10/29/2025
If you're like most of my clients in Colorado, Texas, or Florida, you're keeping a close eye on the housing market—especially when headlines start talking about "dips" in home values. Let's break down the latest data from July to August and what it actually means for your mortgage and long-term real estate goals.
Published on 10/29/2025
The Federal Reserve cut rates again, but mortgage rates actually rose. Learn why this happens, what Powell said, and what it means for homebuyers.
Published on 10/29/2025
In this episode of Mosaic, we sit down with Virginia Sellars, Head of Brokerage at Key Renter Property Management—Denver. With her extensive expertise in real estate and property management, Virginia shares her inspiring journey of creating generational wealth and a lasting legacy through strategic property investments and sales in the vibrant Denver, Colorado market.
Published on 10/22/2025
The average 30-year fixed mortgage rate is hovering near 3-year lows as bond markets hold steady amid limited economic data. Learn why rates remain low and what could move them next.
Published on 10/22/2025
A new Realtor.com survey reveals that 1 in 5 Gen Z adults say housing affordability is their top life concern. Learn how young buyers are adapting, saving, and staying determined to achieve homeownership.
Published on 10/15/2025
On October 9, 2025, the average 30-year fixed mortgage rate edged slightly higher to 6.38% after a weaker 30-year Treasury auction and mild MBS underperformance. Rates remain stable within a narrow range as the government shutdown continues.
Published on 10/10/2025
September 2025 will go down in the annals of real estate as a month that kept everyone on their toes—myself included. Just when we thought the stars were aligning for smoother sailing, the market threw us a curveball (or three). If you're a homebuyer, seller, or just someone who's been eyeing that dream property, buckle up. This month's Mortgage and Real Estate Update is all about unpacking the chaos and spotting the opportunities amid the storm.
Published on 10/06/2025
On October 1, 2025, the average 30-year fixed mortgage rate held at 6.37% after weak private payroll data. Bigger shifts may follow when the delayed government jobs report is released.
Published on 10/01/2025
