HomeTown Blog

Not Sure If You’re Ready to Buy a Home? Ask Yourself These 5 Questions
January 20, 2026
Deciding whether you’re ready to buy a home can feel overwhelming, especially if you’re hoping to make a move in the next year. Between mortgage rates, home prices, economic headlines, and your own finances, it’s easy to feel stuck in analysis mode. Here’s the good news: buying a home isn’t about perfectly timing the housing […]
Learn More
Why Did Mortgage Rates Go Up After the Fed Cut Rates?
September 22, 2025
Last week, the Federal Reserve made headlines by cutting interest rates for the first time since December 2024, lowering their key rate to a range of 4.00%–4.25%. That should mean lower mortgage rates, right? Not exactly. While many expected home loan rates to drop, mortgage rates actually inched up by about 0.125% to 0.25% in the days following […]
Learn More
Why We’re in a Buyer’s Market – And How to Take Advantage of It
June 27, 2025
The real estate market is always evolving, and in 2025, we’ve seen a major shift: we are officially in a buyer’s market. For those who have been sitting on the sidelines waiting for their moment, this is your signal. Now is a golden window of opportunity for homebuyers to get in the game – especially […]
Learn More
Are Trade Deals Good for Mortgage Rates? Here’s What You Need to Know
May 1, 2025
If you’ve been watching mortgage rates lately, you may have noticed some rollercoaster-like movement — especially since the announcement of the latest round of tariffs. But there’s one question a lot of homebuyers and homeowners are asking: 👉 Can trade deals actually help lower mortgage rates? Let’s unpack what’s going on. 📉 What’s Been Happening […]
Learn More
Is a Newly Built Home the Right Choice for You? Weighing the Pros and Cons
March 31, 2025
If you’re in the market for a home, don’t overlook the possibility of buying new construction. With an increase in newly built homes available, you have more choices than usual—and that comes with some pretty compelling advantages. Before making your decision, it’s important to weigh both the benefits and potential drawbacks of a brand-new home. […]
Learn More
Rebuilding Hope: How the FHA 203(h) Mortgage Aids Disaster Victims in Purchasing a New Home
November 21, 2024
In the aftermath of a disaster, recovery and rebuilding can seem daunting. However, there is a ray of hope for those who have lost their homes due to severe weather events or other catastrophes. The FHA 203(h) Mortgage Insurance for Disaster Victims Program is designed specifically to aid individuals in Presidentially-Declared Major Disaster Areas (PDMDA). […]
Learn More
Understanding VA Streamline Refinance: Simplifying Home Loans for Military and Veterans
November 7, 2024
The VA Streamline Refinance, also known as the Interest Rate Reduction Refinance Loan (IRRRL), is a program specifically designed for veterans and active military members looking to reduce their mortgage rates and lower their monthly payments. This refinancing option, backed by the U.S. Department of Veterans Affairs (VA), offers significant benefits tailored to the needs […]
Learn More
Understanding FHA Streamline Refinance: An Easy Path to Lower Mortgage Payments
November 7, 2024
For many homeowners with an existing Federal Housing Administration (FHA) loan, refinancing can often seem like a daunting task filled with extensive paperwork and meticulous credit requirements. However, the FHA Streamline Refinance program is designed to simplify the process, making it faster and less cumbersome to reduce your interest rate and monthly mortgage payment. This […]
Learn More