Momentum Loans

10/16/2026

Are you 1 in 4 million?

If you don't own a home yet, rent is probably the biggest monthly expense you have. And if you're not getting credit for paying it - now you can.

There’s a change rolling out now that lets renters opt in to counting their on-time rental payments toward their credit history. And that could help as many as 4 million more people qualify for a mortgage.

Maybe you’re one of them.

Even if you're not ready to buy a home today, there's no downside to taking simple steps to build your credit profile for the future. Give us a call today to learn more.

10/12/2026

There's been some talk about whether mortgage rates could climb to 9%. Here's some perspective.

Getting there would take a rare mix of things, all lasting a full year: a booming economy with no slowdown in jobs, the Fed raising rates more than expected, and the conflict in Iran continuing to keep oil prices high.

That's an unlikely combination. So, don’t let it make you worry.

Have questions about mortgage rates? Give us a call!

10/07/2026

10/05/2026

Feeling like buying your first place is still years away? Here’s how to shortcut it. While data shows saving up and reaching the break even point where owning costs about the same as renting usually takes around 15 years, there are ways to get there faster.

If you set your sights on a starter home, it’s actually closer to seven years. That cuts the time in half. You’re looking at 4.6 years to save and 2.6 to break even.

But keep in mind, those numbers assume you put 20% down. Most first-time buyers put down far less, so that saving timeframe can shrink even more.

Contact us, and we'll share a few ways to reach your first home sooner – like talking about down payment assistance programs.

Since you’ve probably already been saving for a while, you may be closer than you realize.

10/01/2026

Higher mortgage rates don't just affect buyers. They can change what it takes to sell your house, too.

09/28/2026

You may have seen the headlines saying mortgage rates have climbed to the highest point since January 2025. And if that's left you reluctant to buy a home, here's what you need to remember…

09/25/2026

Price cuts are turning up everywhere right now, and they read very differently depending on which side of the deal you’re on.

09/21/2026

Mortgage rates have been climbing again, and if you're hoping to buy, that can feel discouraging.

Here’s what you have to remember.

You can't control where rates go. But you can control a few things that shape the rate you actually get: your credit score, the type and term of loan you choose, and whether you buy a newly built home, where builders are often buying down rates to bring buyers in.

Focus there, and you put yourself in a stronger spot without waiting on the market. Want to talk it through? Give us a call today and let's go over some options.

09/17/2026

When affordability is this tight, waiting for lower mortgage rates can feel like your only way in. But 41% of buyers who waited actually wish they'd bought sooner. And right now, inflation, the economy, and global events are all having an impact on rates – and could even nudge them up. So, waiting might not pay off the way you hope. You don’t have to buy now. Move only when the numbers work for you. But talk to a us first, so you know all your options.

09/14/2026

Summer's winding down, and if you've been thinking about selling, you might be wondering if you missed your chance.