23 Sep 2025
By Tawnya King

Financing Mixed Use Properties: Live, Work, and Invest in One Place

Mortgage Tips
Mixed use properties are becoming an attractive option for buyers who want to combine residential, commercial, and investment opportunities all in one place. These properties can provide unique benefits, such as generating rental income while also serving as a primary residence. However, financing a mixed-use property requires a different approach than financing a traditional single-family home, and understanding the process is key to making the right decision. Understanding Mixed Use PropertiesA mixed use property is one that blends both residential and commercial space within the same building. For example, you might live on the upper floor while renting out a…
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22 Sep 2025
By Tawnya King

What’s Ahead For Mortgage Rates This Week – September 22nd, 2025

Financial Reports
It has been a relatively light week following the recent rate changes, as the Federal Reserve has felt the need to drop the current rate by 25 basis points. They have also mentioned the possibility of two additional rate cuts within this year. This follows the recent sharp criticism from the current administration, which condemned the Federal Reserve’s insistence on maintaining existing interest rates. This development coincides with the Leading Economic Indicators, which have shown that the U.S. economy remains in decline, a trend that began in August. With further rate cuts on the horizon, the broader market reaction has…
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19 Sep 2025
By Tawnya King

Myths About Mortgages That Still Fool Homebuyers

Mortgage Tips
Buying a home is one of the biggest financial decisions most people will ever make, and the mortgage process can feel overwhelming. With so much information available, it is easy for myths to spread, and many homebuyers still believe ideas that are simply not true. Clearing up these misconceptions can make the path to homeownership less stressful and much more successful. Myth One: You Need Perfect Credit A common belief is that only people with flawless credit can qualify for a mortgage. While strong credit helps secure better rates, many loan programs exist for borrowers with less than perfect scores.…
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18 Sep 2025
By Tawnya King

Deciding Whether to Pay Extra Toward Principal or Save for Other Investments

Mortgage
When it comes to managing your mortgage, one of the most common questions is whether to put extra money toward paying down the loan principal or to save that money for other investments. Both choices have advantages, and the right decision often depends on your goals, financial situation, and comfort with risk. The Case for Paying Extra Toward Principal Making additional payments directly to your mortgage principal reduces the amount of interest you pay over the life of the loan. Even small extra payments can shorten your mortgage term and save thousands of dollars on interest. For many homeowners, this…
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17 Sep 2025
By Tawnya King

How Borrowers Can Benefit from Inflation with the Right Mortgage

Mortgage
Inflation is a topic that impacts nearly every part of the economy, from the cost of groceries to long term financial planning. For homeowners and those considering a mortgage, inflation can feel intimidating. However, with the right perspective and strategies, borrowers can use inflation to their advantage and create lasting financial benefits. Understanding the Relationship Between Mortgages and Inflation Inflation reduces the purchasing power of money over time. While this can make everyday expenses higher, it also works in favor of borrowers with fixed rate mortgages. Since the mortgage payment stays the same each month, the real value of that…
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16 Sep 2025
By Tawnya King

How Parenthood Changes Mortgage Needs and Housing Priorities

Mortgage Tips
Becoming a parent is one of life’s most exciting milestones. Along with the joy and responsibility of raising children, many families find that their housing needs and mortgage priorities change dramatically once little ones arrive. What may have worked for a single person or a couple often needs to be reevaluated when planning for the comfort, safety, and growth of a family. Space Becomes Essential One of the first priorities for parents is space. Families often seek larger homes with additional bedrooms and bathrooms to ensure that children have their own space and parents have room for future growth. An…
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15 Sep 2025
By Tawnya King

What’s Ahead For Mortgage Rates This Week – September 15th, 2025

Financial Reports
Both the CPI and PPI came in precisely within expectations. Under the current circumstances, there is now a very high probability that the Federal Reserve will implement a quarter-point rate cut, a view widely shared by industry analysts. There is also a strong possibility of another cut to follow. Meanwhile, Consumer Sentiment has hit another low in the last 4 months, as many have growing concerns about the state of the job market in addition to inflation continuing to grow. It is unknown how much the rate cuts will impact inflation, but so far the Federal Reserve has managed to…
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