Mortgage Rates Came Down Then Went Back Up and Here Is What Buyers Need to Know Right Now
Oil prices, bond market, inflation fears move rates daily. Moses Alford explains why your estimate may have changed. ...more
mortgage
September 08, 2026•2 min read
Your Home Equity Does Not Have to Sit There and Here Is How to Put It to Work Strategically
HELOC or cash out refi for renovations, debt, or investment. Moses Alford explains how equity earns its keep. ...more
mortgage
September 08, 2026•3 min read
The Mortgage Rate You See Online Is Probably Not Your Rate and Here Is Why That Matters
Advertised rates assume a perfect scenario. Moses Alford explains why your rate depends on your situation. ...more
mortgage
September 04, 2026•2 min read
Stop Shopping for a Price and Start Shopping for a Payment and Here Is Why It Changes Everything
Two $400K homes can have very different payments. Moses Alford explains how to build your buying strategy right. ...more
mortgage
September 03, 2026•3 min read
Down Payment Help Exists for First Time Buyers and You May Qualify Even If You Have Owned Before
Grants, DPA, closing cost help available. Moses Alford explains who qualifies as a first time buyer now. ...more
mortgage
September 02, 2026•3 min read
The 50 Year Mortgage Is Not Available Yet and Here Is What Buyers Should Focus on Right Now Instead
50-year mortgage discussed but not available. Moses Alford explains the tradeoffs and what to use now. ...more
mortgage
September 01, 2026•2 min read
Why Mortgage Rates Started Climbing Again After Finally Coming Down and What to Do About It Now
Middle East tensions push oil and rates higher. Moses Alford explains why your estimate may have changed. ...more
mortgage
September 01, 2026•2 min read
Builder Incentives Sound Great Until You Compare the Full Loan Picture and Here Is What to Check First
Builder lender incentives aren't always the best deal. Moses Alford explains how to compare before you commit. ...more
mortgage
September 01, 2026•3 min read
When Does Refinancing Actually Make Sense and Here Is the Simple Math Every Homeowner Should Know
Divide total cost by monthly savings to find your break even. Moses Alford explains refinance math simply. ...more
mortgage
August 31, 2026•2 min read
