by Alterna Mortgage | Feb 21, 2026 | Inflation, Interest rates, Real Estate, Refinancing
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...
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 | 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 4, 2025 | Financing, Interest rates, Real Estate, Refinancing
On October 29th, 2025, the Federal Reserve lowered the federal funds rate for the second consecutive time, reducing it by a quarter point to set the target range at 3.75%-4.00%. The next opportunity for a potential rate cut will be at the upcoming Federal Open Market...
by Alterna Mortgage | Nov 2, 2025 | Financing, Interest rates, Real Estate, Refinancing
A recent proposal suggests offering 50-year loans to help buyers purchase homes and build equity. However, this plan is unlikely to succeed, as it would significantly slow down the equity growth that makes homeownership appealing. Buyers would be essentially locked in...
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....
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