Recent Posts

Calculator beside mortgage rate listings showing higher national loan averages

National Mortgage Rates Jump at the Weekend as Zillow Shows 30-Year Fixed Loans at 7.44%, 15-Year Loans at 6.77%, and 5/1 ARMs at 7.28%

 Joshua Adkins  October 11, 2026

Zillow’s latest lender-marketplace averages show higher borrowing costs across purchase and refinance loans, while forecasts still point to some easing later in 2026.

Woman reviewing a car loan statement on her phone after spotting an insurance charge

Credit Union Adds $150 Monthly Insurance Charge to Rae’s Car Loan, and Nearly $3,000 Before She Spots the CPI Line on New Statements

 Joshua Adkins  October 11, 2026

A Michigan borrower says a lender’s collateral protection insurance charge went unnoticed for months after a credit union merger changed how her loan statements appeared.

Row houses in a U.S. city with buyers saving for a home down payment

Pittsburgh, Cleveland and St. Louis Rank Among Ten U.S. Cities Where Two Income Households Can Save for a Home Down Payment in Under Two Years

 Joshua Adkins  October 11, 2026

Veterans United Home Loans data highlights metro areas where a 3% down payment and closing costs can be reached fastest.

A for-sale home sign outside a house as higher mortgage rates pressure buyers

Mortgage Rates in the United States Rise for a Seventh Straight Week, Reaching 7.4 Percent and Putting More Pressure on Homebuyers Nationwide

 Joshua Adkins  October 11, 2026

Freddie Mac says the benchmark 30-year loan climbed again as Treasury yields, inflation expectations, and a bond selloff keep borrowing costs elevated.

A person reviews mortgage papers while comparing upfront points and future refinancing costs

First-Time Homebuyers Weigh Mortgage Points Against Later Refinancing as Reddit Thread Breaks Down Break Even Math and Loan Costs

 Joshua Adkins  October 11, 2026

A Reddit discussion shows why paying upfront for points and refinancing later can lead to very different results for borrowers.

Tenants reviewing lease paperwork and court documents after challenging a move-out cleaning fee

Renters in One Property Manager’s Building Band Together in Court, Defeat a Flat $500 Move-Out Cleaning Fee, and Recover Every Dollar Plus Legal Costs

 Joshua Adkins  October 11, 2026

A judge said the blanket charge was unlawful after tenants compared notes, sued collectively, and forced a refund of the disputed fees.

A suburban home with a for-sale sign and mortgage rate figures overlaid

Mortgage Rates Slip to 7.54 Percent on 30-Year Loans as Bond Market Selling, Inflation Worries and Fed Caution Keep Borrowing Costs Elevated in 2026

 Joshua Adkins  October 10, 2026

National mortgage averages ease from the prior day but remain near recent highs, leaving homebuyers and refinance shoppers facing expensive borrowing costs.

A house for sale sign in front of a suburban home as mortgage rates remain elevated

Most Homebuyers Say 7.5 Percent Mortgages Are Too High as Survey Finds Demand Could Jump If Rates Fall Below 5.5 Percent Nationwide

 Joshua Adkins  October 10, 2026

A new housing survey suggests today’s mortgage rates are keeping many would-be buyers on the sidelines, while a drop below 5.5% could bring more demand back fast.

Homes in a residential neighborhood as mortgage rates rise and housing costs stay high

Mortgage Rates Hit 7.49 Percent as Detroit Buyers, Sellers and Renters Face Tight Housing Costs and Thin Inventory Across Southeastern Michigan

 Joshua Adkins  October 10, 2026

The 30-year fixed rate is back near a three-year high, keeping would-be buyers on the sidelines while inventory stays tight.

Rows of new cars at a dealership with signs highlighting monthly financing payments

Average Monthly New Car Payment Climbs to $787 as 25.5% of Buyers Take Seven-Year Loans and More Shoppers Finance Four-Figure Monthly Bills

 Joshua Adkins  October 10, 2026

Edmunds says borrowers are taking on larger loan balances, smaller down payments and longer repayment terms as new-car financing stays expensive.