In May, seller concessions reached an all-time high. The market is nearly in favor of buyers.
Home sellers are increasingly offering concessions to entice buyers, as recent data indicates this trend reached a new high in May due to persistently high mortgage rates and subdued demand in the market. Buyers should take advantage of this and get some upgrades or...
Kevin Warsh Wastes No Time Putting His Stamp on the Fed
Federal Reserve Chairman Kevin Warsh announced five new task forces aimed at reforming the central bank, including reviewing how it sets monetary policy and studies the impact of artificial intelligence. Here are the five independent task forces announced by Federal...
The Federal Reserve held rates steady again
The Federal Reserve held rates steady at its June 2026 meeting, which was widely expected by financial markets. While the Fed did not make a change this time, its comments still matter because they help shape investor expectations — and those expectations can...
Mortgage Interest Now Exceeds Home Values for Typical Buyers
At today’s mortgage rates, the typical homebuyer will pay more in interest over 30 years than the home’s purchase price, according to a new analysis. A buyer putting 20% down on the median-priced U.S. home would pay about $413,700 in interest over a 30-year mortgage...
The Oregon Real Estate for April 2026
If you’ve been waiting for the Oregon housing market to "calm down" before making a move, your patience may have finally paid off. As we hit the heart of the spring season, the data is telling a fascinating story: for the first time in years, the scales are starting...
The New Era of Credit: What Vantage Score 4.0 Means for Your Next Mortgage
If you’ve been following the news lately, you might have heard that the mortgage industry is going through its biggest credit score shake-up in decades. For years, "FICO" was the only name in the game. But now, Vantage Score 4.0 has arrived on the scene, and it’s a...
Big News for first time buyers in Oregon that need down payment assistance
The Oregon Housing and Community Services (OHCS) has just expanded its Flex Lending program. This isn't just another loan—it’s a pathway to homeownership that many people think is out of reach. The Flex Lending program is designed specifically to help Oregonians...
Stagflation concerns and the effects on mortgage rates
Stagflation is an economic term created by combining the words stagnation and inflation. It describes a rare and highly challenging economic condition where three negative trends occur simultaneously: 1) Slow economic growth (stagnation) 2) High unemployment. 3)Rising...
Mortgage rates are in the 5% range. Why…and will they stay that way?
In early January 2026 Fannie Mae and Freddie Mac purchased up to $200 billion in mortgage-backed securities (MBS). The administration's stated goal for this intervention is to increase demand for these bonds, thereby narrowing the "spread" between Treasury yields and...
Tariffs effects on mortgage rates
Mortgage rates have shown significant volatility in response to tariff announcements, often moving in two stages: a brief initial drop followed by a sustained climb as inflation fears set in. When major tariffs were announced (e.g., April 2025), mortgage rates...