By: Brittney Fleischman Published on: 09/10/2025

It’s the question that always comes up when rates move: “Is now a good time to buy or refinance?” After the Federal Reserve lowered rates in mid-September, many buyers and homeowners started wondering whether to act now or wait. The answer, as always, is: it depends.

Mortgage

Is Now a Good Time to Buy or Refinance? Here’s What to Consider

How Small Mortgage Changes Can Make a Big Difference in Your Rate and Payment

By: Brittney Fleischman Published on: 09/10/2025

When you’re getting ready to buy a home or refinance, you’ll probably find yourself asking: “How much will my rate or payment change if I adjust my down payment, credit, or loan term?” The truth is, those factors—often called the “big three”—can make a bigger impact than most borrowers realize.

Mortgage

Will Affordability Improve or Mortgage Rates Drop Soon? Here’s What to Know

By: Brittney Fleischman Published on: 28/08/2025

The Big Questions Buyers Are Asking If you’re thinking about buying a home, chances are you’ve asked at least one of these questions recently: Will mortgage rates drop soon? Will homes become more affordable in the near future? They’re the most common questions in today’s market—and for good reason. But the answers aren’t black and white. Let’s break down what’s really going on.

Mortgage

Is the 28% Rule Still Relevant for Homebuyers in 2025?

By: Brittney Fleischman Published on: 28/08/2025

What Is the 28% Rule? For decades, financial experts have advised that your housing expenses should stay below 28% of your gross monthly income. Known as the “28% rule,” this guideline includes your mortgage payment, property taxes, homeowners insurance, and (if applicable) HOA dues. It’s a simple formula: If you earn $100,000 a year, your monthly housing costs shouldn’t exceed $2,333. But as home prices have surged and household budgets have become more complex, many buyers are starting to question whether the rule still holds up.

Mortgage