Why One Missed Payment Hurts So Much Your payment history makes up the single largest portion of your credit score — around 35% of the total calculation. Here’s how this factor works: Lenders look at your history of paying bills on time across all accounts … [Read more...]
Understanding the Latest Federal Housing Actions and What They Mean for Our Local Real Estate Market
How recent federal housing actions could influence mortgage rates, home availability, and the local real estate market. In early January 2026, President Donald Trump announced major new housing-related federal actions that could influence the U.S. real estate market. … [Read more...]
A Welcome Break: Lower Mortgage Rates Spark Opportunity through out Texas
Lower mortgage rates are bringing new hope to first-time buyers and seasoned homeowners across Stephenville, Dublin, Hico, and beyond. As affordability shifts, local families in the Cross Timbers area are seeing fresh opportunities to buy their preferred property. … [Read more...]
Where Do Mortgage Rates Come From, Anyway?
You might wonder who is responsible for the daily adjustments to mortgage rates and where they come from. There is a method. Lenders do not just set rates at random. You might also wonder why mortgage lenders A to Z all offer interest rates that are very similar, if they are … [Read more...]
Shopping For Mortgage Rates the Right Way
You'll want to shop around for mortgage rates when you are ready to purchase and finance a house or refinance a mortgage. Every day, lenders set their rates. During a volatile, but not unheard of, mortgage market, lenders can set their rates more than once a day. The Fed … [Read more...]
June Real Estate Market!
The June real estate market is expected to be a bit slower than the previous month, but still strong overall. There are a few factors that are contributing to this, including rising mortgage rates and inflation. Mortgage rates have been rising steadily in recent months, … [Read more...]
