Author: Joshua Adkins

A first-time homebuyer reviews paperwork and mortgage costs with a calculator on a table

First-Time Homebuyers Face Closing Costs, Taxes, Insurance and Utility Bills That Can Add Thousands Before and After Closing, Freddie Mac and Ownwell Say

 Joshua Adkins  August 31, 2026

Experts say the biggest surprise costs often show up in the paperwork before closing and in monthly bills after move-in.

Apartment building exterior with a renter reviewing a fee list on a clipboard

Charleston-Area Apartment Renters Face $225 to $390 in One-Time Fees and $162.50 to $330 More Each Month Before Housing Costs Even Start

 Joshua Adkins  August 31, 2026

A review of local apartment fee lists shows how mandatory charges can stack up well beyond the advertised rent.

Calculator and house keys beside a mortgage rate chart

Zillow Mortgage Rates Rise for Buyers on Sunday as the 30 Year Fixed Climbs to 6.55 Percent and the 15 Year Moves up to 5.91 Percent Nationwide

 Joshua Adkins  August 31, 2026

National average purchase rates ticked higher week over week, while refinance rates were mixed across fixed and adjustable terms.

Homeowners reviewing mortgage paperwork to compare refinancing options and home equity loans

Charleston Mortgage Broker Says Homeowners Weighing Refinancing Should Compare Current Rates, Debt Goals and Closing Costs Before Choosing Between a HELOC or Cash Out Option

 Joshua Adkins  August 30, 2026

A South Carolina lender says the choice often comes down to the borrower’s existing mortgage rate, the purpose of the funds and how long the money will be needed.

A prospective homebuyer reviews mortgage rate listings while a house sits for sale in the background

Homebuyers Nationwide Are Pausing House Hunts for Lower Mortgage Rates as a Neighbors Bank Poll Finds 72% on Hold and 41% Already Regretting the Wait

 Joshua Adkins  August 30, 2026

A survey of 1,000 potential buyers suggests many shoppers are chasing rate levels that forecasters do not expect to return soon.

A couple discussing whether to use a settlement payment to pay off their home mortgage

After a $1.1 Million Injury Settlement, a Married Couple’s Mortgage Debate Raises Questions About Shared Bills and Separate Money in Household Planning

 Joshua Adkins  August 30, 2026

A settlement from a car accident left one spouse weighing whether to use the money for the couple’s home loan or keep it separate.

A single-family home with a for-sale sign in front of it

Inherited Homes Can Still Carry Tenants as New Owners Learn They Must Honor Existing Leases Before Selling a Property Passed Down After Death

 Joshua Adkins  August 30, 2026

A new owner does not always get an empty house when a parent dies and leaves behind a rental property.

A Kia K5 parked outdoors as a driver faces a large remaining auto loan balance

Kia K5 Owner Says $37,440 in Payments Left Him Owing $28,275 on a $38,000 Car After High Interest and Negative Equity Grew

 Joshua Adkins  August 30, 2026

A TikTok creator says a costly repair decision turned into a deep upside-down auto loan that still has tens of thousands left to pay.

A family reviewing a promissory note and home purchase paperwork at a kitchen table

IRS-Published Family Loan Strategy Lets Parents Help Adult Children Buy Homes Without a Gift Tax Return When Annual Forgiveness Stays Under the Limit

 Joshua Adkins  August 30, 2026

A long-running intrafamily loan can work if the note is written, the rate meets IRS rules, and yearly forgiveness stays within the annual exclusion.

A house for sale sign in front of a suburban home

Higher Mortgage Rates Leave Most U.S. Home Markets Tilted Toward Buyers as Redfin Says Nearly Eight in Ten Major Metros Now Favor Shoppers

 Joshua Adkins  August 29, 2026

Redfin says buyers have regained leverage in most major metros even as mortgage rates stayed above earlier forecasts for 2026.