Blog - Bill Black- Mortgage Broker (NW Funding Group Inc)

3 Reasons Home Affordability Is Finally Improving This Fall

Vancouver WA mortgage expert Bill Black explains why home affordability is rising with lower rates and slower price growth.

Mortgage Rates Hold Near Yearly Lows as Market Awaits Next Data

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.

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.

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.

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.

Mortgage Rates Hit Yearly Lows—Then Bounced After the Fed Cut | Here’s What It Means for Clark County Homeowners and Buyers

With mortgage rates fluctuating, now is the time to act. Lower rates can mean more affordable payments, helping you seize your dream home despite market challenges.

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.

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.

Discover 5 Smart Home Equity Strategies for Your SW Washington Dream Home

Unlocking your home's equity can be the key to building your dream lifestyle. Learn effective strategies to tackle home-buying challenges with ease.

Turn Home Equity Into Dollars: Simplify Debt and Take Charge!

Unlock the value in your home! Learn how to turn your equity into cash and simplify your debts, paving the way to financial freedom and peace of mind.

Smart Financing Solutions: HELOC vs. Cash-Out Refinance for Vancouver Homebuyers

Confused about your home equity options? Let’s break down HELOCs and cash-out refis so you can make smart moves and tackle your financial challenges head-on!

Maximize Your Home's Value: Simplifying Home Equity Loans in Vancouver, WA

Unlock the potential in your home with a home equity loan. Discover how to access funds for your needs and improve your financial future in Vancouver.

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.

FHA vs VA Loans: What Veterans and Homebuyers Need to Know

When shopping for a mortgage, one of the most common questions I hear is: 👉 “What’s the difference between an FHA loan and a VA loan?” Both loan programs are backed by the federal government and designed to help more people achieve homeownership. But they’re not the same — and knowing the differences could save you tens of thousands of dollars over the life of your loan.

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