Blog
How to Get a Home Loan: What to Know Before You Apply
Before applying for a mortgage, understand your credit score, as higher scores improve approval chances and lower interest rates. Know your affordable price range by considering your debt-to-income ratio, ideally below 36%. Plan your down payment, typically 10-20%, to...
U.S. Cities Enjoy Gradual Relief as Rents Decrease
Rent prices are declining in seven major U.S. cities due to a surge in new apartment construction creating an oversupply. Austin leads with a 6.6% drop, followed by Denver (4.8%), Jacksonville (4.2%), Phoenix (4.0%), San Diego (3.5%), Las Vegas (3.0%), and Miami...
Mortgage Comparison Guide for First‑Time Homebuyers
When buying a home, choosing between fixed-rate and adjustable-rate mortgages depends on your financial situation and plans. Fixed-rate loans offer stable payments, while adjustable-rate loans have fluctuating rates after an initial period. Government-backed loans...
Fed Signals Limited 2026 Cuts
Federal Reserve officials cut rates again but signaled a cautious outlook, projecting only one additional interest-rate cut in 2026. Policymakers remain divided on forecasts, with some predicting steady rates next year while others anticipate multiple reductions....
How Will Sales and Prices Change in Phoenix 2026?
Home sales projected to grow 4.9% in 2026. Median home prices expected to decline -2.3%. Sales growth offsets falling prices. Buyers may find more affordable options. Sellers face slower price appreciation.
How to apply for a mortgage: The complete guide
Before making a home offer, securing mortgage financing is crucial. Mortgage prequalification is a basic financial review, while preapproval involves detailed verification and carries more weight with sellers. Preapproval requires extensive documentation, including...