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Mortgage, Housing, and Finance News from the Southeast and Beyond

My blog articles are written to help all kinds of homebuyers in the Southeastern states where I lend with a focus on real estate in Southeast Georgia and Northeast Florida.

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Stephen Moreno - Georgia Mortgage Consultant
Summer Solstice Savvy: Timing Your Home Purchase for Maximum Benefit in the Longest Days of the Year

Summer Solstice Savvy: Timing Your Home Purchase for Maximum Benefit in the Longest Days of the Year

Embracing the Summer Solstice for Your Home Purchase As we approach the summer solstice, the longest day of the year, many people find themselves with extra hours of daylight to…

June Weddings to New Beginnings: What Prospective Homebuyers Need to Know This Season

June Weddings to New Beginnings: What Prospective Homebuyers Need to Know This Season

June Weddings and New Home Beginnings As we approach the summer season, many couples are busy planning their June weddings, a time often associated with fresh starts and new beginnings…

Mortgage Rate Chart May 18, 2026

Mortgage Rates Jump to 9-Month Highs

Ask any parent. A lot can change in 9 months. Same story for mortgage rates. During that time, the average 30yr fixed rate dropped 0.65% only to move back up…

Weekly Mortgage Market Update Graphic

Mortgage Rates Got The Memo

Wednesday ended up being the most interesting day of the week for rate movement thanks to headlines suggesting The U.S. and Iran were close to signing a one page memo…

Navigating the Spring Housing Rush: Insider Tips for Securing Your Dream Home Before Summer’s Heat

Navigating the Spring Housing Rush: Insider Tips for Securing Your Dream Home Before Summer’s Heat

Introduction As the flowers bloom and temperatures rise, the spring housing market is in full swing. This is a popular time for homebuyers to start their search, with the goal…

Memorial Day and Mortgage Moves: How to Choose the Right Loan Before Summer Begins

Memorial Day and Mortgage Moves: How to Choose the Right Loan Before Summer Begins

Introduction As Memorial Day approaches, many of us are not only reflecting on the sacrifices of our service members but also contemplating the start of the summer season. With warmer…

Mortgage Rates Jumped Last Week. The Trend Continues Today

Mortgage Rates Jumped Last Week. The Trend Continues Today

Mortgage Rates Jumped Last Week. The Trend Continues Today   Last week’s newsletter noted an exceptional lack of volatility, but the week ended up shifting gears in a noticeable way…

Cinco de Mayo to Closing: Celebrating Culture and Community While Navigating Your Homebuying Journey

Cinco de Mayo to Closing: Celebrating Culture and Community While Navigating Your Homebuying Journey

Celebrating Cinco de Mayo in Your New Community As we approach Cinco de Mayo, a vibrant celebration of Mexican culture and heritage, it’s a wonderful reminder of the importance of…

May 2026 Mortgage Check-In: Evaluating the Benefits of Refinancing Before Rates Change

May 2026 Mortgage Check-In: Evaluating the Benefits of Refinancing Before Rates Change

Introduction As we step into May 2026, it’s an ideal time for homeowners to evaluate their current mortgage situation. With potential changes in the financial landscape, particularly interest rates, refinancing…

Tune Into Homeownership: How the Upcoming Kentucky Derby Can Teach First-Time Buyers About Racing to the Finish Line

Tune Into Homeownership: How the Upcoming Kentucky Derby Can Teach First-Time Buyers About Racing to the Finish Line

Introduction As we approach the excitement of the Kentucky Derby, there’s an interesting parallel between horse racing and the journey of purchasing your first home. Both involve preparation, strategy, and…

Blossoming into Homeownership: How Upcoming Community Events and Spring Gatherings Can Help You Find Your Dream Neighborhood

Blossoming into Homeownership: How Upcoming Community Events and Spring Gatherings Can Help You Find Your Dream Neighborhood

Introduction Spring is a season of renewal, and for many, it’s the perfect time to explore the possibility of homeownership. As the flowers bloom and the weather warms up, neighborhoods…

Weekly Mortgage Market Update Graphic

Much Calmer Week (Relatively) With Much Lower Rates

First things first, due to the market’s reaction to the Iran war, mortgage rates remain much higher than they were at the end of February. That said, they definitely did…

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