Mortgage Blog
Alabama's Mortgage Expert
Sept 17-2025 - Federal Reserve issues FOMC statement
September 17, 2025 | Posted by: Darren McAusland
Recent indicators suggest that growth of economic activity moderated in the first half of the year. Job gains have slowed, and the unemployment rate has edged up but remains low. Inflation has moved u ...
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Interest Rate Cuts: How They Can Help You and Boost the U.S. Housing Market
September 3, 2025 | Posted by: Darren McAusland
When interest rates start to fall, the ripple effects touch almost every corner of the housing market. As your mortgage broker and loan officer team, we're here to unpack what rate cuts really mea ...
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Why the U.S. May Dodge Stagflation, What It Means for Your Wallet
August 19, 2025 | Posted by: Darren McAusland
Did You Know? Many analysts feared a repeat of the 1970s blend of high inflation and weak growth. Recent data points tell a different story. Inflation has cooled compared with last year, job ...
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The Assumable-Mortgage Gold Rush
August 7, 2025 | Posted by: Darren McAusland
Imagine locking in a mortgage rate that starts with a 3 while today's averages hover near 6.5 percent. Thanks to a surge in assumable FHA, VA, and USDA loans written during the pandemic, that o ...
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July 30 - 2025 Federal Reserve issues FOMC statement
July 30, 2025 | Posted by: Darren McAusland
Although swings in net exports continue to affect the data, recent indicators suggest that growth of economic activity moderated in th ...
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Refinance in 2025? How Lower Fed Rates Affect You
July 16, 2025 | Posted by: Darren McAusland
After years of rising rates and tightening budgets, the Federal Reserve has finally made its move-lowering interest rates for the first time since the pandemic-era hikes. If you're a homeowner i ...
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VantageScore 4.0 Arrives: How the New Credit Model Could Open Homeownership to 5 Million More Americans
July 9, 2025 | Posted by: Darren McAusland
On July 8, 2025, the Federal Housing Finance Agency (FHFA) gave mortgage lenders an historic green-light: they may now submit loans to Fannie Mae and Freddie Mac using the VantageScore 4.0 credit ...
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Home Selling Season is Around the Corner: Tips to Get Ready
June 6, 2025 | Posted by: Darren McAusland
Home selling season is rapidly approaching. In most cases, spring is the top time to sell a home. One reason spring is the top-selling season is that home buyers align their moving schedule with their ...
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Should You Pay Off Your Mortgage Early?
May 23, 2025 | Posted by: Darren McAusland
It's a dream to be able to pay off your mortgage early, but is there a downside? While it sounds like a great idea, there are some factors to consider before doing so. This article will ex ...
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Real Estate 101: Essential Tips for First-Time Home Buyers
May 16, 2025 | Posted by: Darren McAusland
Buying a home is always a big decision, but when you're a first-time buyer it's even more important to get it right. Without home-buying experience to draw on, it's easy to make mistakes you could reg ...
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