Homeowners have record levels of equity. And many are tapping theirs using HELOCs, according to a new study. Yes, we're ...

Markets are concerned about section 899, a provision buried in the tax and spending bill. But are they overreacting?

Maximum DTIs go up to 50% or even higher, but a lot depends on the rest of your loan file. The math is easy. To find your debt-to-income ratio, or DTI, for a mortgage just divide your debt payments by ...

We're almost as tired of writing about how markets have been ignoring economic reports as you must have grown reading about it. But things changed yesterday. Mortgage rates fell appreciably that day.

Mortgage rates barely budged yesterday as markets ignored that morning's economic reports. No surprise there. It's been the same story since tariffs and deficits began dominating headlines and lead ...

The Securities Industry and Financial Markets Association (SIFMA) publishes a daily e-newsletter on developments affecting bond markets. And yesterday's edition said, "Bond investors are closely ...

Mortgage rates barely budged last week. But, luckily, the little movement there was turned out to be downward. Still, the average for a 30-year, fixed-rate mortgage remains perilously close to 7%. In ...

The real story on how to improve credit from an on-the-ground loan officer who works with first-time buyers daily.