Mortgage rates can rise even when the Fed holds steady. Learn how the bond market and 10-year Treasury yield influence mortgage pricing, and what buyers should watch.
When the Fed buys mortgage backed securities, it can push mortgage rates lower by boosting demand. Here is what is happening, why it can be temporary, and what borrowers should do.
Getting Pre-Approved Isn’t the Finish Line In 2025, more buyers are hitting unexpected roadblocks after getting pre-approved for a mortgage. That initial green light feels like a win—but as Josh Franklin explains on loanofficerjosh.com, pre-approval is just the beginning. "My job isn’t just to help you get approved," says Josh. "It’s to make sure nothing derails the process once you do." Here are the top four hurdles buyers are running into in 2025—and what you can do to avoid them.
Understanding Credit Score Requirements in 2025 If you’re thinking about buying a home this year, one of the first questions you’re probably asking is: "What credit score do I need to qualify for a mortgage?" According to Josh Franklin, a seasoned loan officer at loanofficerjosh.com, understanding your credit profile is one of the most important first steps you can take when preparing to buy.
