Mortgage Blog
Alabama's Mortgage Expert
Category: Mortgage (15 posts)
Jobs Report vs CPI, Which One Moves Mortgage Rates More for Homeowners?
January 13, 2026 | Posted by: Darren McAusland
If you follow mortgage rate headlines, you have probably noticed something confusing. Some days rates move after an inflation report. Other days they shift after a jobs report, even when the Federal R ...
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Why Homes Are Still Expensive Even as Inflation Eases
December 23, 2025 | Posted by: Darren McAusland
Many U.S. homeowners and buyers expected housing costs to come down once inflation started to cool. Instead, home prices and monthly payments remain stubbornly high across much of the country. This di ...
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Fed Rate Cuts, Why Mortgage Rates Are Not Falling Faster
December 15, 2025 | Posted by: Darren McAusland
When the Federal Reserve announces a rate cut, homeowners naturally expect mortgage rates to drop right away. Headlines often make it sound simple, the Fed cuts rates, borrowing gets cheaper, and mont ...
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Dec 10-2025 - Federal Reserve issues FOMC statement
December 10, 2025 | Posted by: Darren McAusland
Available indicators suggest that economic activity has been expanding at a ...
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Over 4 M U.S. Homeowners Could Refinance as Rates Stabilize
November 21, 2025 | Posted by: Darren McAusland
Did You Know ? Did you know that more than four million U.S. homeowners are now poised to benefit from refinancing their mortgages because interest rates have started to stabilise and some borrowers l ...
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Why rising inventory and slowing U.S. home-price growth matter for lock-in strategy
November 10, 2025 | Posted by: Darren McAusland
Across the United States, the housing market is showing its first real signs of balance in years. With more homes hitting the market and price growth cooling, many buyers and homeowners are wondering ...
read moreOctober 29, 2025 - Federal Reserve issues FOMC statement
October 29, 2025 | Posted by: Darren McAusland
Available indicators suggest that economic activity has been expanding at a ...
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Why Now Is a Smart Time to Re-Evaluate Your Mortgage Strategy (Even if You’re Not Ready to Move)
October 20, 2025 | Posted by: Darren McAusland
For many American homeowners, the mortgage conversation tends to fade into the background once the loan is closed. But in 2025, that old "set it and forget it" mindset could be costing you thousands. ...
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How Lower Rates Could Help Gig Workers Get Mortgages in 2025
October 6, 2025 | Posted by: Darren McAusland
As interest rates ease somewhat from their peaks earlier in the year, the mortgage landscape in the United States is shifting. For gig workers and self-employed professionals, this shift may o ...
read moreSept 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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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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