Category: News

Interest rate headlines have been front and center lately, and for mortgage borrowers the tone is cautiously encouraging. Recent data shows mortgage rates holding roughly steady in the high‑5% to low‑6% range for many well-qualified borrowers, a noticeable improvement from the peaks of the last couple of years. While no one can guarantee the exact timing or size of future moves, the overall direction has shifted away from constant increases and toward a more balanced, buyer‑friendly environment. Central bank policymakers are now openly debating when and how quickly to ease policy, rather than whether further hikes are necessary. That shift alone has helped calm longer-term bond yields, which are a key driver of fixed mortgage rates. As investors increasingly price in the possibility of modest rate cuts over the coming…

Your mortgage rate is not random — it's based on your credit score, loan type, down payment, debt-to-income ratio, and market conditions. A small rate drop can save you thousands over your loan term. DM me for a quick rate check based on your unique profile. #MortgageRate #HomePurchase #MortgageLoan

Thanksgiving has a special way of bringing families together, and with that comes meaningful conversations about the future. While everyone gathers around the table, it’s natural to talk about plans, goals, and dreams for the coming year. For many families, homeownership is one of the biggest and most exciting milestones to plan for — and the holiday season creates the perfect space to start that discussion in a relaxed, supportive setting. As you enjoy time with loved ones, sharing your vision for buying a home can help everyone get on the same page. Whether it’s deciding what area you want to live in, discussing budget expectations, or thinking about the features that matter most, Thanksgiving offers the chance to explore these ideas without pressure. You might even find that family…

Becoming a homeowner when you're self-employed can feel intimidating, but with the right preparation, it’s absolutely within reach. One of the most important steps is organizing your financial documents early. Lenders will typically ask for two years of tax returns, year-to-date profit and loss statements, and consistent income records. By gathering these documents ahead of time, you make the process smoother and show that your business income is reliable. Another key step is strengthening your credit profile. Even if your income varies from month to month, a strong credit score can help offset that volatility. Paying down revolving debt, avoiding new credit applications, and monitoring your credit report for errors can make a big difference in the loan programs you qualify for. Self-employed borrowers often find that small credit improvements…

Investing in your first rental or income-producing property is an exciting milestone, and getting your financing right is the key to long-term success. Many new investors are surprised to learn that lenders look at different factors for investment loans than they do for traditional primary-residence mortgages. Understanding these requirements upfront can help you plan confidently and move quickly when the right property appears. One of the biggest differences is how lenders evaluate risk. Since investment properties carry higher financial uncertainty, lenders typically focus more on your credit profile, reserves, and overall financial stability. They’ll look at your debt-to-income ratio, your history of managing credit, and whether you have sufficient savings to cover unexpected expenses or temporary vacancies. Having clean, organized financial documentation can make this process smoother and increase your…

If you’ve been waiting for the “perfect moment” to buy a home, you’re not alone. Many buyers watch mortgage rates like stock prices, hoping to catch the market at its absolute lowest point. But here’s the truth: the best time to buy isn’t when rates hit a magic number — it’s when you’re financially and emotionally ready to take the next step toward your goals. Markets move in cycles, but opportunity is constant. Smart buyers focus less on short-term rate dips and more on long-term stability. Even a small rate change is often outweighed by home appreciation, potential tax benefits, and the comfort of having a place to truly call your own. The key is understanding your numbers and working with a professional who can help you navigate them. In…

6.17% — That’s the current average 30‑year fixed mortgage rate in the U.S., down again and offering more buying power than we’ve seen in a year. With more listings appearing across the DFW area and less pressure on sellers, serious buyers can step in with confidence. Whether you’re targeting a first home, an upgrade or an investment property, this is a moment where preparation counts. Let’s get your financing locked, your strategy clear and your offer ready. #DFWRealEstate #DallasFortWorthHomes #HomeBuying #MortgageRates #TexasRealEstate #NewHome #HomeOwnership #HouseHunt #DFWMarket #RealEstateTips 👉 Contact me today for your free pre‑approval. www. EQmortgagegroup.com https://eqmortgagegroup.com

The ghosts and goblins may be out this month, but buying a home doesn’t have to be scary. While the headlines can make the mortgage market sound like a haunted house, today’s buyers actually have more tricks and treats to look forward to. From improving credit scores to exploring creative loan programs, there are plenty of ways to turn those frights into financial delights. This Halloween season, smart homebuyers are getting ahead of the curve by locking in favorable terms before year-end. As interest rates show signs of easing, the window for opportunity is creaking open. Refinancing or purchasing before the next rate change could save thousands over the life of your loan — now that’s something worth celebrating with a pumpkin-spiced latte! And for those still renting, remember: every…

There’s great news for homebuyers and homeowners alike—mortgage rates have dropped to their lowest level this year. According to the latest report from Freddie Mac, the average 30-year fixed rate has fallen to 6.19%, down from 6.27% just a week earlier. It’s a welcome shift that’s sparking new energy in the housing market and offering relief to borrowers who’ve been waiting for the right time to act. This decline follows a dip in 10-year Treasury yields, a major factor in determining mortgage rates. With economic uncertainty surrounding the government shutdown and major corporate bankruptcies, bond yields have eased, giving rates room to move lower. Freddie Mac’s chief economist, Sam Khater, noted that rates are now nearly a full percentage point below where they started in early 2025 — a significant…

This week’s data offers a subtle but meaningful pivot for Dallas–Fort Worth’s housing market. Nationally, the average 30‑year fixed rate dipped to 6.30 % (from 6.34 %) according to Freddie Mac, marking its lowest level in nearly a year. (Freddie Mac; Reuters) That slight easing may help bring more buyers off the sidelines. Locally, DFW’s median home price held steady at $389,715 in September, showing year-over-year stability even as inventory continues to climb. (DFW Agent Magazine) The growing supply means more options—and more negotiation power—for buyers. What it means for market participants: Buyers: You have more leverage now. More listings + slight rate relief = better odds of securing favorable terms. Sellers: It’s more important than ever to price realistically and present well. Homes that linger will face discounted comps. Investors /…