June 2025 Mortgage Market Update
Hey, it’s Evan Kaufman, your home loan educator, back with your June 2025 mortgage market update. This month, I’m diving into three major shifts I think you should be watching: tariff volatility, inventory trends & buyer activity, and GSE privatization.
The Dangers of Builder Credits
I’ve been seeing more homebuyers offered massive builder credits—$25K, $35K, even $40K on average-priced homes—and while that might sound like free money, there are some real risks under the surface.
ARM vs Fixed Rate Mortgage: Should You Roll the Dice in 2025?
What’s the deal with adjustable-rate mortgages (ARMs) in 2025? Are they the dangerous time bombs from 2008 – or a smart move in today’s high-rate environment?
How Do Dependents Impact the VA Loan?
Adding a new dependent can impact your VA loan, and it’s not always in the way you’d expect. Whether you’re in the middle of house hunting or planning your next move, understanding how your growing family fits into the VA loan puzzle is critical to keeping your homeownership goals on track.
What is the Latest with Credit Ratings?
Moody’s recently downgraded their credit rating for the US. Let’s talk about what this means and how it impacts mortgage rates.
Do VA Appraisals Cause Problems?
Spoiler Alert: don’t be afraid of VA appraisals. Conventional loans can cause the same amount of problems, but they don’t have Tidewater in their back pocket like a VA buyer does. Let’s discuss!
Why did Interest Rates Spike?
Big spikes in mortgage interest rates lately. Let’s talk about it.
THE VA IRRRL: An Unbeatable Tool for Mortgage Savings
Are you a military home buyer? If you purchased your home with a VA loan, a VA IRRRL could make a substantial difference to your bottom line. Check it out.
Tariffs and Home Buying
Tired of constantly hearing the word tariff, but not understanding what that means in practice? Learn more about how recent tariff decisions could be affecting you!
Are We In a Real Estate Boom or Bust?
Are we in a real estate boom or a bust? Let’s discuss…
