Recent Articles

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Gen Z and the Dream of Homeownership: Adapting to a Challenging Market

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

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Mortgage Rates Tick Up Slightly as Bonds Weaken and MBS Underperform

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

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Mosaic: The Stores of Real Estate - The September 2025 Mortgage and Real Estate Update is Out.

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

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Mortgage Rates Holds Steady After Weak Jobs Report

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

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3 Reasons Home Affordability Is Improving This Fall

Affordability is finally improving this fall thanks to lower average 30-year fixed mortgage rates, slower home price growth, and rising wages. Learn why now could be the right time to buy.

Published on 09/26/2025

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Mortgage Rates Hit Yearly Lows—Then Jump After the Fed Cut. Here’s What Happened (and Why Applications Just Surged)

After touching yearly lows early in the week, the average 30-year fixed rose following the Fed’s rate cut—thanks to the dot plot and Powell’s comments. Still, mortgage applications just saw their biggest weekly jump since 2021 as homeowners reacted to earlier rate declines. Here’s what it means for buyers and homeowners.

Published on 09/19/2025

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Will the Fed Cut Rates This Week? Insights from Efficient Lending

With the Federal Reserve's upcoming meeting on September 17, 2025, the big question on everyone's mind is: Will the Fed cut rates tomorrow? Conventional wisdom—and market expectations—suggests yes, with economists widely anticipating a rate cut of either 25 or 50 basis points. This could be the first cut since December 2024, potentially easing the federal funds rate from its current 4.25%-4.50% range.

Published on 09/16/2025

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Mortgage Rates Near 11 Month Lows—What’s Next With the Fed?

The average 30-year fixed is holding near the lowest levels since October 2024 after a weak jobs report and cooler inflation. Here’s why—and what to watch at next week’s Fed meeting.

Published on 09/12/2025

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Why Mortgage Rates Move: What Every Homebuyer Should Know

Mortgage rates are holding near 10-month lows—but don’t assume they’ll stay there. Learn why rates move, what drives them, and what smart buyers and homeowners should do next.

Published on 09/03/2025