Recent Articles
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.
Maximize Your VA Loan: Eliminate Debt and Save $500 Monthly
Struggling with debt? Discover how a VA loan can help you reduce monthly payments and free up $500, making homeownership more affordable than ever.
Mortgage Rates Holding Steady… For Now
After Powell's Jackson Hole speech, mortgage rates hit their lowest levels since Oct 2024. But don’t get too comfortable—more movement could be coming after Friday’s inflation data and next week's jobs report.
Lower Rates? Don’t Relax Just Yet
Mortgage rates stayed mostly flat this week, holding near 10-month lows. Here’s what happened from August 18–20 and why upcoming economic data could shake things up.
Empower Your Child’s Future: Start Their Retirement with $1,000 Today
Give your child a powerful head start! Learn how even a small investment can ease your worries and unlock a brighter financial future for them.
Mortgage Rates at 10-Month Lows! Big Opportunity!
Mortgage rates are holding near 10-month lows after early August’s jobs report and mixed inflation data. Here’s what homebuyers and homeowners need to know.
Rates Just Hit a 10-Month Low!
Mortgage rates just hit their lowest levels since October 2024 following a big shift in the bond market. Here’s why it matters for homebuyers and homeowners.
Housing Market Confusing? Here’s Why You’re Hearing Mixed Messages
Confused by the housing market? You're not alone. Here's why the market feels hot and cold at the same time—and what it means for you as a homebuyer.
Could Removing Capital Gains Taxes on Home Sales Revive the Housing Market?
A new proposal suggests removing capital gains taxes on primary home sales to boost the housing market. Here’s what it could mean for homeowners and buyers.
Game-Changer: Credit Scores Just Got Rewritten
A new credit scoring update could impact who qualifies for a mortgage and at what rate. Learn what this means for first-time buyers and why now is the time to speak with your loan officer.
Big FHA Appraisal Changes Are Here: What Realtors & Buyers Need to Know
By Bill Black, Sr. Mortgage Broker www.billcblack.com
Should You Buy a Home Before Your Divorce is Final? Here’s What to Know
Buying a house before your divorce is finalized? Here’s why it could create legal and financial complications—and how to plan smart.
Why Homeownership Is Still Worth It—Even Beyond the Finances
From mental health benefits to stronger communities, homeownership offers more than just a return on investment—it offers a better quality of life.
Mortgage Rates Aren’t Just About the Fed — Here’s What You Really Need to Know
Mortgage rates held steady this week—but not for the reasons you think. Here’s why working with a loan officer beats doing your own research when timing the market.
The Real Estate Rule That Just Got Repealed—And Why It’s a Big Win for Buyers
The National Association of Realtors repealed a rule that kept some listings hidden—thanks in part to pressure from homebuyers, tech platforms, and even the DOJ. Learn how this boosts your home search.
Why Now Might Be the Best Time in Years to Buy a Home (Seriously)
The housing market is shifting—and it's shifting in your favor. Learn why rising inventory, slower sales, and increased negotiating power mean buyers have the upper hand. Don’t miss your window.
The Secret Every Successful Home Seller Knows (But Most Miss)
Discover the simple but powerful secret that helps homeowners sell faster and for top dollar in today's real estate market. Hint: It’s not just about price.
April 2025 Housing Market Update: A Shift That Favors Buyers
Home prices are cooling, inventory is rising, and buyers are gaining leverage. See what the April 2025 housing market update means for you.
Why a Home Inspection Is a Must for Homebuyers
Learn why a home inspection is essential for buyers—even in a competitive market. Discover how it protects your investment and helps avoid costly surprises.
Mortgage Rates Just Dropped—Here’s Why the Fed Had Nothing to Do With It
Mortgage rates dipped slightly to 6.86% as bond markets stabilized. Learn how rates are tied to investor expectations—and why lenders adjust pricing ahead of market changes.