Jerry HollandIn most economic cycles, a Federal Reserve rate cut signals a slowing economy, and mortgage rates tend to follow by decreasing. But 2025 has disrupted this pattern entirely.
Jerry HollandLoan churning happens when borrowers are convinced to refinance repeatedly without any real financial benefit. Every time a loan is refinanced, new closing costs and fees are added, often rolled into the loan balance.
Jerry HollandIf you’re self-employed and thinking about buying a home, you might have heard it’s harder to qualify for a mortgage. The truth? While there are a few more steps involved, you absolutely can get approved.
Jerry HollandIf you're using a VA loan to buy a home, one key milestone is the VA appraisal. It’s not just about value. It’s about making sure the home is safe, sound, and move-in ready — all based on the VA’s rules and timelines.
