Blog - Tawnya King

09 Dec 2025

What Are the Pros and Cons of No Deposit Mortgage Loans

Mortgage Tips

No deposit mortgage loans can sound appealing to buyers who want to purchase a home without spending years saving for a down payment. While these loans offer clear advantages, they also come with risks and responsibilities that every buyer should consider before moving forward. Understanding No Deposit LoansA no deposit mortgage allows a buyer to purchase a home without providing money upfront. Instead of saving for a traditional down payment, the full loan amount is financed through the lender. This option is often used by first time buyers or borrowers who have strong income but limited savings. Pros of No…

08 Dec 2025

By Tawnya King

What’s Ahead For Mortgage Rates This Week – December 8th, 2025

Financial Reports

The PCE Index reports have come in—albeit delayed—and show inflation numbers that fell within expectations. The data also indicates that inflation has not worsened since before the government shutdown. It is widely believed that the Federal Reserve will likely cut rates once more. This is followed by another Consumer Spending report showing that spending rose in September and October, though the momentum appears to be slowing. Much of the optimism in the broader markets going forward hinges on the potential for further interest rate cuts. Consumer SpendingPersonal spending rose 0.3% in September, the government said Friday. That was a touch…

05 Dec 2025

By Tawnya King

You Ask, We Answer: How to Choose Between Expanding Your Current Home and Buying a New One

Mortgage Tips

Does your home feel like it's starting to burst at the seams? Many homeowners across the country can relate to this feeling having bought a home only to run out of space due to a growing family or for other reasons. Let's take a quick look at a few questions that will help you to determine whether buying a new home or expanding your current home is the best choice when you're in need of some extra space. Why Are You in Need of More Space? The first question you'll need to answer is... "why?" Are you running out of…

04 Dec 2025

By Tawnya King

Understanding Why You Don’t Need to Pay Off Your Mortgage Early

Mortgage Tips

Many homeowners feel pressure to pay off their mortgage as quickly as possible but faster is not always better. In many real-life situations, directing your money toward other financial steps can offer more growth, more protection, and more flexibility. Understanding when early payoff is helpful and when it is not can give you greater confidence in your long-term plan. Your Mortgage Rate Matters More Than You ThinkA major factor in this decision is your current mortgage rate. Many homeowners secured low rates in recent years that are far below the interest charged on credit cards and other consumer loans. When…

03 Dec 2025

By Tawnya King

Start the New Year with Strong Finances

Mortgage

The end of the year is the perfect time to review your finances and make smart moves that set you up for success. A few focused steps can strengthen your budget, improve your credit, and prepare you for major goals in the coming year. Review Your BudgetTake a close look at your spending from the past year and note where your money went. Identify areas where you can cut back and redirect those funds to savings or debt reduction. Even small adjustments create real progress over time. Check Your Credit ScoreYour credit plays a major role in loan approvals, interest…

02 Dec 2025

By Tawnya King

When and How to Save Money by Refinancing Your Mortgage

Mortgage Tips

Refinancing can be a smart way to lower your monthly payment, reduce your interest rate, or tap into equity for financial goals. Many homeowners wait too long to reconsider their loan, but the right timing can put real money back into your pocket. Understanding when to refinance and how the process works helps you make a confident decision. Understanding Why Refinancing MattersRefinancing replaces your existing mortgage with a new one that may offer better terms. Homeowners often refinance to secure a lower rate, shorten their loan term, remove mortgage insurance, or consolidate high interest debt. Even a small rate improvement…

01 Dec 2025

By Tawnya King

What’s Ahead For Mortgage Rates This Week – December 1st, 2025

Financial Reports

Many of the reports scheduled for release last week were delayed yet again, including the anticipated unemployment data. There is an expectation that they will be released next week. The only on-time release was the third-party Consumer Sentiment report from the University of Michigan, which aligned with expectations and generally indicated that consumers remain dissatisfied with the current state of things, citing high prices and consistently weakening incomes. Univ. of Michigan Consumer ReportConsumer sentiment was little changed this month with a 2.6 index point decrease from October that is within the margin of error. After the federal shutdown ended, sentiment…