Refinancing can lower monthly payments, change loan terms or tap home equity, but fees, credit scores and timing matter when replacing an existing mortgage.
With no immediate rate changes from the Fed, the next moves for mortgage rates may depend on economic reports and any action involving mortgage-backed securities.
Debt-to-income ratio, savings balances and credit scores shape borrowing power, loan terms and readiness to buy a home in today’s market.
Mortgage rates edged higher, with 30-year loans at 6.1% (up from 6.09%) and 15-year rates at 5.49%. Buyers and sellers are watching what comes next.
Vacant and neglected homes can attract pests, wildlife and squatters, raising health and safety concerns for neighbors and putting pressure on nearby property values.
Experts warn that reusing passwords, ignoring breach notices and relying on incognito mode can expose personal data. Small habit changes can lower identity theft risk.
If a neighbor’s cameras point into a private courtyard, talk to them, document it, check local law or HOA rules and consult a lawyer if needed.
A new compensation form replaces two prior agreements and updates how sellers and brokers offer payment in residential transactions.
Focusing on buyers by behavior and interests, rather than age, gender or family status, helps agents reach new consumers while avoiding legal risks.
The Real Estate Settlement Procedures Act prohibits referral kickbacks for lenders and settlement services. Paying fair market value for real services is allowed.
