Wednesday, October 29, 2025 / by Vic Markarian
Why Today’s Mortgage Rates Might Be Better Than You Think (For Buyers AND Sellers)
Let’s face it — mortgage rates have been the elephant in the room for a while now. Whether you're buying your first home or thinking about selling and moving up, you've probably found yourself hesitating.
If you're a homebuyer, maybe you're telling yourself: “I’ll wait until rates drop below 6%... THEN I’ll start looking again.”
And if you're a home seller, you might be thinking:“Buyers are waiting on lower rates — I should hold off until next year.”
But here’s the truth: waiting could cost you — and not just emotionally, but financially, too.
The Numbers Tell a Different Story
We all love the idea of snagging a 5.99% mortgage rate. But what’s the real impact on your wallet?
Take a look at this:
The difference between today’s rate (6.19%) and 5.99% on a $400,000 mortgage?Just $51.65 per month.
That&rsquo ...
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Wednesday, September 10, 2025 / by Vic Markarian
Mortgage Rates Just Dropped - Here's What That Means for You
If you’re a homebuyer who’s been feeling stuck — watching prices stay high and mortgage rates refuse to budge — you’re not alone. But last week, something finally shifted.
And it could make the home you’ve been dreaming of a whole lot more affordable.
Big News: Mortgage Rates Just Took Their Biggest Dip in Over a Year
On Friday, September 5th, average 30-year fixed mortgage rates dropped to their lowest point since October 2024.
It was the biggest single-day drop in over 12 months.
This change wasn’t random. It came right after the August jobs report showed weaker-than-expected numbers for the second month in a row. That kind of data tells financial markets that the economy may be cooling, which often causes mortgage rates to fall.
Why It Matters for You
This isn't just another economic headline — this is real money in your pocket.
Take a look at the chart below ...
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Thursday, September 4, 2025 / by Vic Markarian
What Mortgage Delinquencies Really Tell Us About the Future of Foreclosures
If you've seen alarming headlines about foreclosure activity recently, you're not alone. Whether you're planning to buy a home or sell one, it’s natural to feel uneasy when the word “foreclosure” makes the news. But before jumping to conclusions or feeling like we’re heading toward another 2008-style crash, let’s take a closer look at what the data really shows — and what it means for both buyers and sellers today.
For Sellers: Why the Sky Isn't Falling
If you’re a homeowner looking to sell, the fear of another foreclosure wave — and the price drops that come with it — can be a big emotional trigger. But here’s the truth: we’re nowhere near a repeat of the housing crash.
Between 2007 and 2011, over nine million homeowners lost their homes to foreclosure. Last year? That number was just over 300,000.
Even with a recent uptick, we’re t ...
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Thursday, May 22, 2025 / by Vic Markarian
If you’ve been shopping for a home lately, you’ve probably felt the impact of higher mortgage rates. To help manage monthly costs, some buyers are exploring adjustable-rate mortgages (ARMs) — and usage is on the rise.
But what exactly are ARMs? And are they safe?
Let’s break it down.
Why ARMs Are Making a Comeback
High interest rates and rising home prices are prompting some buyers to consider creative financing solutions. One of the most popular alternatives right now is the ARM — and the data proves it.
According to the Mortgage Bankers Association, the share of mortgage applications for ARMs has recently spiked to its highest level in over a year.
But if you’re concerned ARMs might bring back 2008 flashbacks, here’s what you need to know: today’s ARMs are very different.
How Adjustable-Rate Mortgages Work
As Business Insider explains:
“With a fixed-rate mortgage, your interest rate stays the same for the life of ...
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Thursday, May 15, 2025 / by Vic Markarian
If you’re holding onto a 3% mortgage, it makes total sense to be cautious about moving. After all, it’s one of the lowest rates in recent history — and giving that up may feel like a financial step backward.
But here’s something most people don’t realize: Homeowners don’t move because of rates… they move because life changes.
So instead of asking, “Why would I move?” The real question is: “Will this home still meet my needs 3–5 years from now?”
Life Changes — And So Do Housing Needs
Take a minute to look ahead:
Is your family growing?
Are you retiring soon or downsizing?
Is remote work or lifestyle change affecting your needs?
Are you running out of space (or have too much)?
If your current home fits you perfectly and nothing is changing, staying put might make sense.
But if there's even a small chance that you’ll need to move in the next few years — it’s worth plann ...
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