Blog - Tawnya King

12 May 2026

Local Lender or Online Option? Understanding the Trade-Offs

Mortgage Tips

Choosing the right lender is a critical part of the homebuying process, and many buyers find themselves deciding between a local lender and an online option. While both can provide financing, the experience, level of service, and overall support can vary significantly. Understanding the tradeoffs allows you to choose the option that best fits your needs and helps ensure a smoother transaction from start to finish. The Value of Working with a Local LenderLocal leaders often provide a more personalized and hands-on experience. You typically have direct access to a loan officer who understands your situation and can guide you…

11 May 2026

By Tawnya King

What’s Ahead For Mortgage Rates This Week – May 11th, 2026

Financial Reports

The inflation data scheduled for this week has been pushed back by one week. The unemployment data was the only impactful economic report released this week. Across the board, unemployment statistics came in within expectations, while wage increases were slightly below expectations. Historically, wages have lagged behind inflation, making both unemployment and wage growth strong barometers of the economy’s overall health. Despite the current state of affairs, the economy appears to be holding strong, as reflected across the broader markets. Job Wages The average hourly earnings for all employees in the U.S. total private sector reached ($37.41). This represents a…

08 May 2026

By Tawnya King

Home Appraisals Explained: What Buyers and Sellers Should Know

Mortgage

Whether you’re buying or selling, the appraisal is one of those moments that can quietly make—or break—a deal. It’s also one of the most misunderstood parts of the process. So what actually happens during an appraisal, and how can you prepare for it? Here’s what you need to know. What Is a Home Appraisal (and Why It Matters)? A home appraisal is an independent estimate of a property’s market value, typically required by a lender before approving a mortgage. In simple terms: The lender wants to make sure the home is worth what the buyer is paying. If the appraisal…

07 May 2026

By Tawnya King

How to Keep Your Sanity During the Closing Process

Mortgage Tips

You found the home. Your offer was accepted. Everything should feel exciting… right? And then comes closing. Suddenly there are emails, documents, deadlines, inspections, and about 47 things you didn’t realize you’d need to sign. Even the most laid-back buyers can start to feel overwhelmed during this phase. The good news: a lot of that stress is preventable. Here’s how to navigate closing without losing your mind. 1. Lean on the Right People You don’t have to figure this out on your own—and you shouldn’t. Your real estate agent and lender are there for a reason. They’ve done this dozens…

06 May 2026

By Tawnya King

Facing Foreclosure? Here’s What It Means–and What You Can Do About It

Foreclosure

If you're a homeowner, foreclosure is one of those things you hope you never have to think about. But if payments start getting tight, it can suddenly feel very real—and very overwhelming. The good news? Foreclosure doesn’t happen overnight, and you usually have more options than you think. Let’s break down what’s actually happening and what you can do to stay ahead of it. What Is Foreclosure (Really)? Foreclosure is the process a lender uses to recover the money they loaned you if mortgage payments stop. In simple terms:If payments aren’t made over time, the lender can take legal steps…

05 May 2026

By Tawnya King

4 Costly Remodeling Mistakes (and How to Avoid Them)

Homeowner Tips

Remodeling your home can be one of the best ways to increase its value—and make your space actually work for your life. But let’s be honest: it can also go sideways fast if you’re not careful. Whether you’re tackling a small update or a full renovation, avoiding a few common pitfalls can save you time, money, and a whole lot of stress. Here are four mistakes homeowners make all the time, and how to steer clear of them. Mistake #1: Skipping Permits (or Hoping No One Notices) It’s tempting to skip permits to save time or money, but this is…

04 May 2026

By Tawnya King

What’s Ahead For Mortgage Rates This Week – May 4th, 2026

Financial Reports

The latest Trade Balance data has shown that despite the rigorous action involved with tariffs, it has had little impact on adjusting the trade balance amongst the US and other countries. The imbalance has gone the other direction — becoming worse — the last 3 releases alone. The unemployment data has shown to be surprisingly resilient as people are not gaining nor losing jobs on the average. Amidst the current economic events and administrative events, there has been some job scarcity in many markets but the impact has not been shown in the data. Hourly wages has also again consistently…