A Shift Toward Buyer-Friendly Conditions In mid-2025, the U.S. housing market has begun a gradual rebalancing. Inventory levels are on the rise as sellers navigate affordability challenges and high mortgage rates. This shift is giving buyers more negotiating power—especially in markets with lingering supply surpluses.
Understanding the True Cost of a Mortgage When comparing mortgage options, most homebuyers focus on one number: the interest rate. While securing a low rate is certainly important, it’s only one part of the financial picture. A mortgage comes with a variety of additional costs—some upfront, others recurring—that can significantly affect your total outlay over the life of the loan.
When you're in the middle of the mortgage process, one of the most common questions buyers ask is: Are the numbers on my disclosures the final amount I'm locked into? It’s a great question—and the short answer is: not always.
If you recently applied for a mortgage and suddenly started getting calls, emails, or texts from other lenders, you’re not alone. This can feel invasive and confusing—especially if you didn’t expect your personal information to be shared. So what’s going on? The answer lies in something called a trigger lead.
