Discover Our Latest Blogs

Congress advances bipartisan bill to curb mortgage trigger leads—protecting borrower privacy and lender-client relationships. Here’s what it means and why it’s a big win for the industry.

Inflation cooled more than expected, but don’t count on a Fed rate cut just yet. Here’s why mortgage rates may not follow—and what to watch next.

Worried about home prices dipping? History shows they rise over time. If you plan to stay 5+ years, short-term changes are rarely a deal-breaker. Here's why the long view still wins.

Tight budget? You don’t have to cut joy to save more. These 7 simple tips can help you take control of your finances and reduce stress—without sacrificing the things you love.

Rates dipped midweek on weak jobs and services data but surged Friday after a stronger-than-expected jobs report. Now back near 7%, markets await clarity on tariffs, inflation, and spending bills.

Mortgage rates ticked lower this week, despite headlines suggesting otherwise. Mixed housing data and low holiday trading volume kept markets calm—just ahead of big economic reports next week.

More homes are hitting the market—but that’s not a warning sign, it’s your opportunity. Learn why rising inventory signals a healthier housing market and how buyers can benefit right now.

Buyers aren’t waiting for rates to drop—they’re making moves this spring. See why demand is rising, what’s impacting affordability, and how The CL Team is helping clients win in today’s market.

Markets wobbled to close an otherwise stable week. While weak retail data helped rates early on, a late-day credit downgrade and inflation concerns added fresh uncertainty heading into next week.

Buyers are gaining ground. With more inventory, builders and sellers are offering incentives like rate buy-downs, price cuts, and paid closing costs to help sweeten the deal.

Markets are constantly adjusting expectations for Fed rate cuts, but what does that mean for mortgage rates? This post breaks down the latest shifts and what to watch for in the weeks ahead.

Wondering why some homes sell fast while others don’t? It all comes down to strategy. Learn the four key factors that help listings stand out and sell quickly in today’s market.

More inventory, steady demand, and better balance—see why now could be the perfect time to restart your homebuying or selling journey with guidance from The CL Team.

Stronger-than-expected economic data pushed rates a bit higher this week—get the scoop on what moved the market and what it means for mortgage rates.

Real estate offers stability, growth, and control—especially in today’s market. See why now may be the perfect time to build wealth.

Markets regained stability after weeks of tariff-driven volatility. Learn how recent political headlines impacted mortgage rates and why upcoming economic data could shift the outlook again.

Tariffs on building materials are driving up costs for buyers and renters alike. Learn how these changes could impact your plans—and what steps you can take to stay ahead in today’s market.

House hunting is finally getting easier. With inventory rising and competition cooling, buyers have more options and breathing room than they’ve had in years. Here’s why now may be your time to move.

Mortgage rates just had their roughest week in months, spiking despite cooler inflation data. Learn why markets are reacting this way and what could come next in our latest blog post.

Worried about a recession? History shows home prices often hold steady or rise, and mortgage rates typically fall. Learn what a recession could really mean for the housing market.

New FHA rules take effect May 25, 2025, impacting non-permanent resident borrowers. Learn who’s still eligible and how we can help you navigate the changes.

Lowest rates since October. Tariff news sparked market volatility, pushing mortgage rates down. But beware, fast changes could follow. Read the full market breakdown in our latest post.

Thinking about buying a home this spring? Start with a mortgage pre-approval. It gives you a competitive edge, helps define your budget, and shows sellers you’re serious—before the market heats up.

PCE inflation came in hotter than expected, but rates didn’t rise as predicted. Find out why markets shrugged it off—and what to watch for with next week’s key economic reports.

Spring brings more listings, moderating prices, and stabilizing mortgage rates—making it a great time to buy or sell. See why confidence is returning to the market in our latest blog post.

HELOCs are rising in popularity as homeowners tap into equity to manage debt, fund renovations, or avoid refinancing at higher rates. Learn how this flexible tool could support your financial goals.

Mortgage rates fell this week—even though the Fed didn’t cut rates. Find out why market reactions, Fed projections, and bond activity all played a role in the drop.

Buying your first home is exciting—but also nerve-wracking. Focus on what you can control: budget wisely, plan for surprises, and remember, your income will grow over time. You've got this!

Mortgage rates stayed in a narrow range this week despite key inflation reports. With the Fed’s rate outlook update ahead, markets are watching for signs of where rates may head next.

The housing inventory is rising, giving buyers more leverage in some markets. While it’s still a seller’s market in many areas, conditions are shifting.

Waiting to buy a home? Prices are still rising, and experts predict steady growth ahead. Buying now means building equity sooner—don’t let the perfect moment pass you by!

Thinking about buying a newly built home? New construction offers customization, efficiency, and low maintenance—but also comes with potential delays and added costs. Weigh the pros and cons here!

Mortgage rates bounced this week, but the real reason wasn’t in the U.S.—it was Germany. Rising German bond yields disrupted market trends, adding uncertainty ahead of next week’s key inflation data.

Spring 2025 brings more homes to the market, giving buyers new opportunities. With rising inventory and price reductions, is now the time to buy? Explore your options with The CL Team!

Mortgage rates are nearing 4-month lows, driven by lower-than-expected inflation data. With key economic reports ahead, market trends will determine if rates continue their downward momentum.

Big news! The CL Team is now part of Luminate Bank®, offering more financial solutions, flexible loan options, and personalized service—all with the same trusted team you know and love!

Despite headline-driven noise, mortgage rates have remained surprisingly stable. Markets are focused on key economic data like jobs reports and CPI, with inflation trends guiding future rate shifts.

Stay ahead of home maintenance year-round with this seasonal checklist. From winter prep to summer upkeep, these simple tasks help protect your home, boost efficiency, and prevent costly repairs.

Mortgage rates stayed steady this week, with slight changes tied to limited economic data. Despite political rhetoric, inflation and economic trends—not demands—will drive rate changes in 2025.

Learn how even small changes in mortgage rates can impact your monthly payments. Explore real examples and savings to help you plan smarter for your future home purchase!

Buying a home? Budget smart by planning for a down payment, closing costs, and an earnest money deposit. Learn what to expect and work with trusted pros to make the process smooth and stress-free!

Your home’s equity is likely higher than you think, thanks to rising home values and longer ownership. Discover how this wealth can fund your next move, home upgrades, or even your dream business!

Mortgage rates spiked to their highest levels since mid-2024 after a stronger-than-expected jobs report. With CPI data ahead, inflation trends could add further volatility to the rate market.

Mortgage rates stayed calm over the holidays but could see volatility next week with key economic reports ahead. Home prices continue steady growth, and refinance activity remains at long-term lows.

Mortgage rates rose all week, showing how unpredictable they can be. Learn why Fed rate changes don’t directly control mortgage rates and what really influences these fluctuations.

Wondering if home prices will drop? Experts say no—low supply and high demand keep prices steady or rising. Learn why the housing shortage will continue to impact affordability nationwide.

Ready to sell your home in 2025? Declutter, make key upgrades, boost curb appeal, and stage like a pro to attract buyers. With the right prep, you’ll be set for a smooth and successful sale!

Mortgage rates showed resilience, boosted by a cooling labor market and a favorable jobs report. With inflation data and the Fed’s next move approaching, the outlook for rates is becoming clearer.

The 2025 conforming loan limits are increasing, offering more flexibility for homebuyers. Learn how these updates could impact your borrowing options and make financing a home more accessible.

Navigate post-election housing market changes with confidence! Learn how to budget wisely, spot incentives, and plan long-term while seizing opportunities in a rebounding real estate market.

Mortgage rates spiked from September lows, nearing 1% increases, with ongoing volatility. While rates steadied last week, key economic data and inflation trends will shape their next move.

With the mortgage market projected to grow 28.5% by 2025, now’s the time to get pre-approved! Expert insights can help you secure the best rates and stay competitive in a busy market.

Mortgage rates climbed in October, partly due to economic data and election odds. Rates surged on election night but could level off if upcoming reports show inflation cooling down.

Mortgage rates have fluctuated, recently rising to 6.5%. While this affects affordability, it also opens opportunities in a less competitive market. Understanding the trends can help you plan confidently.

Volatility hit mortgage rates early, with a sharp jump starting the week. Key events like the jobs report, elections, and the Fed’s next announcement could drive further rate swings in the coming weeks.

Rising costs worry many, but foreclosure data shows no wave is coming. Homeowners today have more equity, helping them avoid foreclosure and keeping the housing market stable, unlike in 2008.

Unlock the potential of your home equity! Discover how upgrading to a larger home, paying off debt, or investing in real estate can be possible—without drastically changing your mortgage payment.

November could bring big market shifts with the election, jobs report, and Fed announcement. Learn how these events might impact mortgage rates and what to watch for.

While median home prices may appear to be falling, this reflects a shift toward smaller homes, not declining values. A better measure is price per square foot, which shows home values are still rising.

Despite the Fed’s rate cut, mortgage rates have risen due to a strong jobs report, not the Fed’s actions. Lower rates will require weaker labor data, but recent economic reports haven't helped yet.

Wondering if now is the right time to buy a home? Explore key factors like mortgage rates, election year trends, and long-term equity to help you decide whether to buy now or wait.

Friday's strong jobs report caused mortgage rates to rise quickly, reversing expectations. Despite recent Fed rate cuts, higher-than-expected job growth led to market adjustments, pushing rates higher.

Builders are focusing on smaller, affordable homes with incentives like price cuts and rate buy-downs. These new homes offer modern features, energy efficiency, and lower maintenance costs.

This week saw higher mortgage rates despite reports of lower rates. Lenders are predicting new loan limits, but they aren't official yet. A refi boom is happening, but only from previously low levels.

If you're thinking of buying a home, getting pre-approved for a mortgage is essential. It clarifies your budget, strengthens your offer, and positions you as a serious buyer in a competitive market.

The recent Fed rate cut doesn't directly lower mortgage rates, but it can impact other loans like credit cards and auto loans. Learn how this change might affect homebuyers and refinancing opportunities.

Starting your mortgage journey can lead to a flood of solicitations due to 'mortgage trigger leads.' Many buyers find this practice intrusive and overwhelming, and we can't blame them. Read here to find out how to help limit those:

It's a foregone conclusion that the Fed will be cutting rates on Wednesday, September 18th. As exciting as that might sound, mortgage rates have already reaped the rewards.

Since the supply of homes for sale is growing and mortgage rates are coming down, you may be thinking it’s finally your moment to jump into the market. To make sure you’re ready, you need to get pre-approved for a mortgage.

As the Fed meeting on Sept 17-18, 2024, approaches, it's key for homeowners and buyers to know how it could affect mortgage rates. Stay tuned to our blog for updates as we start to learn more.

Rates have actually started to come down. And, recently they hit the lowest point we’ve seen in 2024. If you’re thinking about buying a home, that may leave you wondering: how much lower are they going to go?

It's still just over 3 weeks away, but questions are already ramping up regarding the impact of the Fed's rate cut on mortgage rates.

Don't believe everything you hear, especially in today's housing market. There’s a lot of misinformation out there, so having someone you can go to for trustworthy information is extra important.

Buying a home is one of the biggest financial decisions you'll ever make in your life, and it should be a happy milestone. But, it's also a time when you need to be extra vigilant about mortgage fraud.

Each year, the Federal Reserve meets in Jackson Hole with central bankers and academics to discuss monetary policy. Fed Chair speeches here often impact financial markets and interest rates.

Historically, the transfer of wealth from one generation to the next was a more gradual process, often limited to smaller amounts of inheritance or family savings. But today, the scale has increased in a big way.

If you're buying or selling a home, mortgage rates are crucial. They directly impact your monthly payment and should be factored into your planning.

If you haven’t kept a pulse on the current real estate landscape, now is a good time to know that buyers have a little more wiggle room in negotiations. Here’s a straightforward guide on what you might negotiate...

There's been widespread speculation as to the effect that falling rates will have on refinance demand in a world where 2/3rds of mortgages have rates under 4%. This week's data suggests it's worth discussing.

Many people assume that newly built homes are more expensive than existing ones, but that’s not always the case. In fact, exploring newly built homes can sometimes lead to more cost-effective options, especially today.

As someone who’s thinking about buying or selling a home, you’re probably paying close attention to mortgage rates – and wondering what's ahead.

Today’s headlines and news stories about home prices are confusing and make it tough to know what’s really happening. Some say home prices are heading for a correction, but what do the facts say?

Curious about selling your home? Understanding how much equity you have is the first step to unlocking what you can afford when you move. And since home prices rose so much over the past few years, most people have much more equity than they may realize.

Over the past couple of years, a lot of people have had a hard time buying a home. And while affordability is still tight, there are signs it's getting a little better and might keep improving throughout the rest of the year.

Using the equity in your home with a cash-out refinance can be a strategic way to manage debt, address rising costs, and fund important projects. If you think this might be a good option for you, reach out to us.

The events of this past week serve as an exclamation point in one of the many sentences that tells the story of the big shift away from the generationally high rates seen at the end of 2023.

The 2024 presidential election is shaping up to be an interesting one. With President Joe Biden stepping down from the race, many are wondering how this will affect mortgage rates. Let's break down what we know.

There’s no arguing this past year has been difficult for homebuyers. You may have even put your search on hold because the challenges in today’s market felt like too much to tackle. You’re not alone in that. But, here’s what you need to know. The housing market is in a transition in the second half of 2024.

In today's housing market, mortgage rates stand at about 7.5% for a 30-year fixed-rate loan. While these rates seem high compared to the historically low rates below 4% in 2020 and 2021, they are not unusually high when viewed through a broader historical lens.

While much of this week's news cycle was focused on politics, it was business as usual for the bond market and interest rates. At this time of year, that business often involves a lack of major movement outside the days with the most highly consequential economic data.

From Charleston’s vibrant and historic architecture to its picturesque coastline and charming beach towns, South Carolina offers a unique and appealing lifestyle. Here are 5 of the most affordable places to live in South Carolina. Let’s find out which cities made the list.

Understanding the intricacies of mortgage interest, loan types, extra payments, and mortgage points is crucial for making informed financial decisions. By grasping how interest rates impact your monthly payments and overall loan cost, you can save money and improve your long-term financial health.

Even if you didn't own a home at the time, you probably remember the housing crisis in 2008. That crash impacted the lives of countless people, and many now live with the worry that something like that could happen again. But rest easy, because things are different than they were back then.

There was a lot riding on this week's economic data and it delivered in a big way. The Consumer Price Index (CPI) has had the biggest influence on interest rates of any of the scheduled monthly economic reports, and for good reason.

Wire fraud represents a significant threat in the realm of real estate and mortgage transactions. Here, we’ll explore what wire fraud entails, how it commonly occurs, and practical measures to protect yourself and your finances.

In an ever-changing financial landscape, many investors are asking whether real estate remains a sound investment. You may be surprised to learn that, despite economic fluctuations, the real estate market continues to demonstrate its value. 

It may have been a shorter week than normal due to the holiday last week, but it was no less important with several economic reports adding to the case for rate cuts.

The housing market has been a hot topic of discussion lately, with many sources predicting an imminent crash. Despite these predictions, residential home prices have hit a new all-time median price record high in May and have been on an upward trend for 11 consecutive months. How is this possible?

The week began with a distinct absence of interest rate volatility, but things changed in a big way by Friday-at least compared to the previous week which was exceptionally quiet.

The 2024 Presidential election is just months away. As someone who’s thinking about potentially buying or selling a home, you’re probably curious about what effect, if any, elections have on the housing market.