In Q4 2015, the Home Opportunity Index rose to 63.3%. However, this is only because mortgage rates remained low — and buyers are glad that they did. Continue reading

Home affordability rose last quarter because of ultra-low mortgage rates. But home prices are rising. Should you buy today, or wait for next year? Continue reading

Home buyers are putting less money down at the time of purchase. Some of the programs they’re using to get this done, and why being “house-poor” is no good. Continue reading

It pays to be a veteran. Using VA Benefits and the G.I. Bill, military borrowers get access to lower rates than the general U.S. population. Continue reading

January Existing Home Sales increased and home supply remains tight. Prices are rising nationwide. What low-downpayment options do today’s buyers have? Continue reading

Median Days on Market still ultra-low as homes sell in less than a week in many U.S. cities. “You snooze, you lose”, as they say. Analysis and commentary. Continue reading

The current Refinance Boom is bogging down banks, and causing mortgage rates to rise. Are rates too low to be sustainable? Perhaps it’s time to lock. Continue reading

The VA Home Loan Guaranty program has an unheralded benefit — you can qualify using residual income, even if your loan’s DTI is over the VA limit. Continue reading

With today’s mortgage rates low, and for the right buyer, a 5-year ARM may be the more suitable option as compared to the 30-year fixed-rate mortgages. Continue reading

Mortgage rates are rising after 6 straight weeks of drops. What should a rate shopper expect for the week ahead? An analysis of today’s mortgage rates. Continue reading