Closing Resource Center
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Avoid Failing at the Finish Line
The acceptance of your mortgage application does not imply you can rest. Here are three things to avoid for a successful real estate closing: Changing your down payment’s source Increasing your credit balances or making a new credit application...
Mortgage Rates Today: Daily 30-Year Rate 6.65% Aug 14 2026
30-Year Fixed 6.65% 15-Year Fixed 5.99% 5/1 ARM APR 6.23% Source: Bankrate (780 FICO, single-family, primary residence) Mortgage rates today eased to 6.65% on the 30-year fixed, down from 6.70% yesterday. The 15-year fixed sits at 5.99% and the 5/1...
One Dollar Over This Line Changes Your Whole Loan
A $832,750 loan and a $832,751 loan are one dollar apart and underwritten by different rulebooks. The first is bought by Fannie Mae or Freddie Mac. The second is a jumbo — a loan the lender either keeps or sells privately, with the pricing,...
Mortgage Rates Today: Daily 30-Year Rate 6.70% Aug 13 2026
30-Year Fixed 6.70% 15-Year Fixed 5.99% 5/1 ARM APR 6.20% Source: Bankrate (780 FICO, single-family, primary residence) Mortgage rates today held the 30-year fixed at 6.70%, unchanged from yesterday's 6.70%. The 15-year fixed sits at 5.99% and the...
Your Parents’ Help Needs a Paper Trail. Here’s Why
Your father transfers $40,000 for the down payment. It lands in your account, you tell your loan officer, and three weeks later underwriting asks for his bank statements. He is offended, you are embarrassed, and closing slips a week — all of which...
Mortgage Rates Today: Daily 30-Year Rate 6.70% Aug 12 2026
30-Year Fixed 6.70% 15-Year Fixed 6.02% 5/1 ARM APR 6.43% Source: Bankrate (780 FICO, single-family, primary residence) Mortgage rates today climbed to 6.70% on the 30-year fixed, up 6 basis points from 6.64% yesterday. The 15-year fixed sits at...
Your HOA Dues Just Cost You $63,000 of House
Two condos, both listed at $350,000. One has $150 monthly dues, the other $550. To an underwriter these are not the same purchase — the second buyer needs to qualify for $400 more every month, which at 6.55% removes roughly $63,000 of borrowing...
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Your HOA Dues Just Cost You $63,000 of House
Two condos, both listed at $350,000. One has $150 monthly dues, the other $550. To an underwriter these are not the same purchase — the second buyer needs to qualify for $400 more every month, which at 6.55% removes roughly $63,000 of borrowing...
Mortgage Rates Today: Daily 30-Year Rate 6.64% Aug 11 2026
30-Year Fixed 6.64% 15-Year Fixed 5.95% 5/1 ARM APR 6.15% Source: Bankrate (780 FICO, single-family, primary residence) Mortgage rates today eased to 6.64% on the 30-year fixed, down from 6.69% yesterday. The 15-year fixed sits at 5.95% and the 5/1...
Mortgage Rate Forecast: Week of August 10 – 14, 2026
Weekly Mortgage Rate Forecast Mortgage Rate Forecast: Week of August 10 – 14, 2026 By Darryl Linnington | Published: August 14, 2026 | Reading time: ~5 min Mortgage Rate Forecast This Week at a Glance Current 30-Year Fixed...
Some Sellers Are Handing Over a 3% Mortgage
A seller closed in 2021 at 3.0%. You are shopping at 6.55%. On a $300,000 balance that gap is worth about $640 a month for as long as the loan runs — and on an FHA or VA loan, it can legally transfer to you. You'll learn which loans are assumable,...
Mortgage Rates Today: Daily 30-Year Rate 6.69% Aug 10 2026
30-Year Fixed 6.69% 15-Year Fixed 6.01% 5/1 ARM APR 6.25% Source: Bankrate (780 FICO, single-family, primary residence) Mortgage rates today held the 30-year fixed at 6.69%, flat against yesterday's 6.69%. The 15-year fixed sits at 6.01% and the...
Your $0 Student Loan Payment Isn’t $0 to a Lender
Your income-driven repayment plan says you owe $0 a month. Your credit report agrees. The underwriter looks at your $80,000 balance and enters a monthly obligation of several hundred dollars into your debt-to-income ratio anyway — and which several...
Mortgage Rates Today: Daily 30-Year Rate 6.69% Aug 9 2026
30-Year Fixed 6.69% 15-Year Fixed 6.01% 5/1 ARM APR 6.25% Source: Bankrate (780 FICO, single-family, primary residence) Mortgage rates today held the 30-year fixed at 6.69%, unchanged from yesterday's 6.69%. The 15-year fixed sits at 6.01% and the...
The $250 Way to Lower Your Payment Without Refinancing
50 Way to Lower Your Payment Without Refinancing"> You have a 4.1% mortgage from a few years ago and a lump sum you want to put against it. Refinancing means surrendering that rate. Paying extra toward principal shortens the loan but leaves your...
Mortgage Rates Today: Daily 30-Year Rate 6.69% Aug 8 2026
30-Year Fixed 6.69% 15-Year Fixed 6.01% 5/1 ARM APR 6.25% Source: Bankrate (780 FICO, single-family, primary residence) Mortgage rates today climbed to 6.69% on the 30-year fixed, up from 6.65% yesterday. The 15-year fixed sits at 6.01% and the 5/1...
The Write-Offs That Saved You Tax Just Cost You a Mortgage
You ran a good year. Revenue was strong, the business is healthy, and your accountant did exactly what you paid them to do — minimised your taxable income. Now the underwriter is looking at the same return and seeing a borrower who earns $61,000....
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