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Special Purpose Credit Programs (SPCP) Cancelled: What This Means for Your Mortgage Rate and Down Payment

If you’re gearing up to buy a home in Katy, Sugar Land, The Woodlands, Cypress, Richmond, Spring, Tomball, Fulshear, or Pearland, 2025 just threw a curveball your way. And no, it’s not a plot twist from a real estate reality…

Navigating the FHA’s New Residency Requirements: What Houston Suburb Homebuyers Need to Know

Hello, future homeowners of Katy, Sugar Land, The Woodlands, Cypress, Richmond, Spring, Tomball, Fulshear, and beyond! If you’re dreaming of settling into a new house or home in one of Houston’s charming suburbs this summer, there’s a crucial update you…

FHA Appraisal Changes in 2025: What Houston Suburb Homebuyers Need to Know

If you’re looking to buy a home in Katy, Sugar Land, The Woodlands, Richmond, Pearland, Fulshear, or Cypress, you may have heard that the FHA appraisal process just got a shake-up. But what does that actually mean for you? Are…

Jerome Powell’s March 2025 Speech Decoded: What It Means for Mortgage Rates in Katy, Texas

On March 19, 2025, Federal Reserve Chairman Jerome Powell stepped up to the mic, and while he didn’t directly say, ā€œHey, mortgage rates are doing this,ā€ he dropped enough hints for us to connect the dots.Ā  So, if you’re a…

Say Goodbye to Medical Debt on Credit Reports: What It Means for Your Mortgage in 2025

Imagine waking up on March 17, 2025, to find your credit score has magically increased. šŸ€ No, it’s not the work of a mischievous leprechaun—it’s the Consumer Financial Protection Bureau’s (CFPB) latest rule coming to your rescue.Ā  Starting this spring,…

2024 New Loan Limit by the Federal Housing Finance Agency

Exciting news for those dreaming of buying a home! The Federal Housing Finance Agency (FHFA) has recently increased its loan limit to a whopping $766,550. This means as a borrower, you now have the chance to borrow more money when…

Saving for a House When Mortgage Rates Are High

When mortgage interest rates are high, saving money for a home can seem tough. But with smart planning, you can still reach your goal. Here’s how: Set Clear Money Goals: Decide how much house you want, how big of a…

The Federal Reserves Affects Mortgage Rates

When you’re looking to buy a house and get a mortgage, the interest rate you’ll pay on that loan isn’t just random. It’s influenced by something called the Federal Reserve, which is like the bank for banks in the United…

Will Mortgage Rates Return to Normal Levels?

Many homeowners and prospective buyers are eagerly awaiting a return to “normal” mortgage rates. However, mortgage rates are influenced by multiple factors, including the overall state of the economy, inflation, the central bank’s monetary policy, and the demand for mortgage-backed…

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