Mortgage Rates Hold Steady as Buyers and Sellers Adjust to a Normal Market The Big Picture Mortgage rates were relatively unchanged this week, continuing to hover in the low-6s. After the movement we saw earlier this month, the market appears to be settling into a more stable pattern. That stability is important. It allows buyers…

Mortgage Rates Dip to the Lowest Level in Over a Year as the Market Finds Its Footing The Big Picture Mortgage rates moved lower this week. According to Freddie Mac’s Primary Mortgage Market Survey, the average 30-year fixed-rate mortgage fell to 6.06%, down from 6.16% the prior week. For perspective, that same rate was 7.04%…

New Year, New Strategy: Why 2026 is Starting with a “Quiet Opportunity” The Big Picture We are one week into 2026, and the mortgage market is behaving exactly how savvy buyers want it to: boringly stable. The average 30-year fixed rate is hovering in the low-6% range (approx. 6.16% – 6.22%). While many headlines are…

A Top Ten Most Googled Mortgage Question. By Clay Edmonds One of the top mortgage questions people are Googling right now is simple on the surface, but nuanced in reality: What credit score do I need to buy a house? The honest answer is the same one you’ll hear repeatedly when it comes to mortgage…

What’s Actually Normal, What’s Changed, and How Buyers & Realtors Should Think About It If you listen to headlines long enough, you’d think the housing market is either broken beyond repair or one rate cut away from exploding again. Neither is true. The real story going into 2026 is much quieter — and much more…

What This Market Really Did — And What Borrowers Should Learn From It By Clay EdmondsCorporate Educator & Senior Loan Officer, Complete Mortgage LLCFounder & Chief Content Creator, MortgageSimplified.net The Headline Nobody Wanted to Accept The housing market didn’t break in 2025. It normalized. And normalization feels painful when people are used to extremes. 2025…

A Quiet Holiday Week — and Why That Can Be an Advantage The Big Picture Mortgage rates were essentially unchanged this week, holding near 6.30% on the average 30-year fixed.With the holidays here, markets are quiet — and that’s exactly what most buyers and sellers need right now: stability, not surprises. This week’s calm doesn’t…

The Real Answer (Not the Internet Hype) One of the most searched mortgage questions every year is simple and loaded at the same time: “How much do I need for a down payment?” The short answer most people hear is “20%.”The correct answer is “It depends.” After four decades in real estate finance, here’s the…

Florida’s Housing Market Wraps Up the Year Calm, Balanced, and Strategic The Big Picture Mortgage rates remained largely unchanged this week, with the average 30-year fixed hovering around 6.31%.At this point, stability is the headline — and that’s good news. After a volatile few years, predictability is allowing buyers and sellers to make educated decisions…

Are Mortgage Rates Going Up or Down? Here’s the Truth You Actually Need to Know One of the most common questions people ask right now is simple on the surface but misleading in practice: “Are mortgage rates going up or down?” The honest answer is this: they will do both.Mortgage rates move constantly based on…