by Alterna Mortgage | Apr 20, 2026 | Credit, Financing, Home Buying, Interest rates, Refinancing
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,...
by Alterna Mortgage | Apr 3, 2026 | Financing, Home Buying, Mortgage Programs
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...
by Alterna Mortgage | Mar 15, 2026 | Financing, Housing Market, Inflation, Interest 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...
by Alterna Mortgage | Feb 24, 2026 | Financing, Home Buying, Interest rates, Refinancing
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...
by Alterna Mortgage | Feb 19, 2026 | Financing, Interest rates, Real Estate
Billionaire hedge fund manager Bill Ackman’s call for Fannie Mae and Freddie Mac to offer new government‑backed mortgages with prepayment penalties put a spotlight on how much United States borrowers have paid for the right to refinance at will. Ackman wrote “One of...
by Alterna Mortgage | Nov 18, 2025 | Financing, Home Buying, Interest rates, Refinancing
A portable mortgage lets you move your existing loan and its interest rate to a new property rather than getting a completely new mortgage. For example, if you’ve paid off half of a $400,000 home at a 3% interest rate, you could sell that house and transfer the...
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