by Alterna Mortgage | Jun 23, 2026 | Financing, Home Buying, Housing Market, Real Estate
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...
by Alterna Mortgage | Apr 23, 2026 | Home Buying, Housing Market, Real Estate
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...
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 21, 2026 | Housing Market, Inflation, Interest rates, Real Estate
Affordability is often associated primarily with home prices and mortgage interest rates. However, mortgage payments generally include not only principal and interest, but also property taxes and homeowner’s insurance. For loans exceeding 80% loan-to-value,...
by Alterna Mortgage | Oct 30, 2025 | Home Buying, Housing Market, Real Estate
The average age of first-time homebuyers is increasing. It is important to note that a first-time buyer does not solely refer to individuals purchasing their first property. Rather, the term encompasses anyone who has not owned real estate within the past three years....
by Alterna Mortgage | Sep 19, 2025 | Home Buying, Housing Market, Interest rates, Real Estate
On September 19th, 2025, mortgage rates experienced a significant drop, leading to a notable increase in mortgage applications across the country. The average rate for a 30-year fixed mortgage fell to 6.39%, marking the lowest level since October 2024. Alterna...
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