Blog

Investment property mortgage rates are the interest charged on loans for homes bought purely as investments, and they usually run

US homeowners behind on mortgage payments are ↑30% yearly in 2026, making payment strategy conversations more important for household budgeting

US buyers can still purchase with as little as 3% down, and some loan types require none, through conventional, FHA,

With US median home prices at $403.2K, a typical mortgage down payment of ~3% to ~5% can mean saving ~$12K

In 2026, first-time homebuyers face challenges due to high home prices and mortgage rates, but federal and state programs offer

Current US averages stood near ~6.5% for 30-yr fixed loans and high-5% for 15-yr terms, still below 7% for borrowers

Second home mortgage rates are typically higher than primary residence rates due to increased risk. To qualify, borrowers usually need

A 5-year ARM keeps the same interest rate for the first five years, then adjusts periodically based on broader market

The average 30-year fixed mortgage rate is 6.69%, with refinance rates at 7.03%. Rates have stayed between 6% and 6.5%

A mortgage preapproval letter shows a lender's initial willingness to lend based on a preliminary review of your finances, typically