The Economy Feels Cold, Even If the Headlines Say It's Heating Up
You step outside, and it’s cold. Not just the weather—the economy. The headlines say inflation is cooling and the market is improving, but try buying a house, financing a car, or getting groceries wit... ...more
Mortgage
May 21, 2025•3 min read
Why Did My Credit Get Pulled After I Applied for a Mortgage — and How Do I Stop the Spam Calls?
If you recently applied for a mortgage and suddenly started getting calls, emails, or texts from other lenders, you’re not alone. This can feel invasive and confusing—especially if you didn’t expect y... ...more
Mortgage
April 04, 2025•2 min read
Are My Disclosures the Final Number I’m Obligated To?
When you're in the middle of the mortgage process, one of the most common questions buyers ask is: Are the numbers on my disclosures the final amount I'm locked into? It’s a great question—and the sho... ...more
Mortgage
April 04, 2025•2 min read
What’s Going on with the CFPB, and Is It Affecting Mortgage Approvals?
The CFPB has faced increased scrutiny in recent months, with ongoing court battles questioning its funding structure and authority. A case currently under review by the U.S. Supreme Court challenges w... ...more
Mortgage
March 10, 2025•2 min read
Are Sellers Still Covering Closing Costs in 2025?
In the evolving real estate landscape of 2025, the dynamics between buyers and sellers have shifted, influencing who bears the burden of closing costs. Traditionally, buyers and sellers have each been... ...more
Mortgage
March 10, 2025•2 min read
Are Mortgage Rates Expected to Go Down in 2025?
This blog explores the current state of mortgage rates in 2025 and provides insights into whether they are expected to go down. With mortgage rates hovering around 7%, the blog explains what factors i... ...more
Mortgage
February 06, 2025•2 min read
What to Expect in the Real Estate Market Under the New Administration
Wondering how the real estate market might change with Donald Trump’s new administration? This blog explains what to expect, from potential tax breaks for investors to changes in home prices and mortg... ...more
Mortgage
February 06, 2025•3 min read
Does a Mortgage Credit Inquiry Hurt My Credit Score?
When you're in the process of buying a home or refinancing your mortgage, it's common to wonder whether having a lender run your credit will negatively impact your credit score. After all, your credit... ...more
Mortgage
January 07, 2025•3 min read
Can You Use Your Spouse’s VA Loan Eligibility and Your Income to Qualify?
One of the many great benefits of VA loans is that they offer competitive interest rates, no down payment, and no private mortgage insurance (PMI) requirements. But what if only one spouse is a vetera... ...more
Mortgage
January 07, 2025•3 min read
Groundhog Day at the Fed: Why Waiting Might Cost You in Today’s Housing Market
Another Fed meeting, another round of déjà vu. Jerome Powell stepped up to the mic again this month and, in typical fashion, delivered his new favorite catchphrase: “We’re going to wait and see.” ...more
Mortgage
May 13, 2025•3 min read
The Market's Lying to You | What the Fed, Jobs & Rates Aren’t Telling You
There’s a moment in every storm where everything goes quiet. No thunder, no lightning—just still air. And if you’re not paying attention, you might think it’s over. That’s the housing and job market ... ...more
Mortgage
May 05, 2025•3 min read
Everyone Froze in March. Smart Buyers Moved
You ever been to a wedding where the DJ changes the song just as the dance floor is packed—and suddenly everyone freezes? That moment of hesitation… that's exactly what the housing market looked like ... ...more
Mortgage
April 29, 2025•2 min read
This Isn't a Recovery—It's a Setup: What the Data Is Really Telling Us
This Isn't a Recovery—It's a Setup: What the Data Is Really Telling Us ...more
Mortgage
April 22, 2025•3 min read
Ramin Road Signs 4/14/2025
While inflation came in lower than anticipated in March, this positive development was overshadowed by ongoing news about trade tariffs. Read on for these updates and more. ...more
Mortgage
April 14, 2025•5 min read
Ramin Road Signs 4/7/2025
March saw stronger-than-expected job growth, but the labor sector continues to deliver mixed messages. However, this news was overshadowed by the announcement of reciprocal tariffs. Read on for these ... ...more
Mortgage
April 08, 2025•5 min read
Ramin Road Signs 3/31/2025
The Federal Reserve's key inflation gauge moved in the wrong direction in February, a concerning development. However, signed contracts for new and existing homes rebounded after a sluggish start to t... ...more
Mortgage
March 31, 2025•6 min read
Ramin Road Signs 3/24/2025 - Copy
The Federal Reserve kept interest rates unchanged, as anticipated, while unveiling its latest economic projections. Meanwhile, existing home sales and housing starts exceeded expectations, even as hom... ...more
Mortgage
March 24, 2025•6 min read
Ramin Road Signs 3/17/2025
Inflation pressures moderated in February, and January job openings exceeded expectations. However, a closer examination of the data uncovers important insights. Continue reading for these updates and... ...more
Mortgage
March 17, 2025•5 min read
