Derek White Residential Mortgage Lending NMLS# 544354

09/08/2026

Summary: A stronger-than-expected labor market is keeping pressure on interest rates, but steady employment continues to support buyer demand as the market awaits key inflation reports this week

08/26/2026

Cutting energy use can help—but not every habit impacts your bill the same way. Some changes make a noticeable difference, while others… not so much.

Here’s a look at which habits truly pay off—and how to focus on the ones that could lower your monthly costs.

While reducing energy use is always a good thing, not every energy-conserving strategy is guaranteed...

08/26/2026

The Onward 6: Six key economic and housing market updates that could impact mortgage rates, homebuyers, homeowners, and real estate professionals in the weeks ahead.

08/24/2026

Not every renovation needs a full crew. In fact, contractors point to a handful of projects that a motivated homeowner can confidently take on—helping you save on labor costs that can add up quickly.

DIY renovations are a great way to save money and get creative. However, certain projects are definitely better left to the pros.

08/19/2026

Saving up for a down payment can seem like a long road ahead, but even a five-minute daily check-in could prevent you from getting blindsided by overdrafts, missed payments, or spending that chips away at your savings. If you're working toward a down payment, this consistency adds up over time.

Making this a daily practice will pay off in the long run.

08/18/2026

08/18/2026

You don't need a big budget to make a backyard feel finished. Updated lighting, defined garden beds, and a pressure-washed patio are the kinds of small improvements that may help boost or improve curb appeal, whether you're settling in or thinking about selling. 🌿

A backyard does not need a full renovation to impress buyers. Small upgrades can create a strong vis...

08/08/2026

Another strong month at Onward Home Mortgage 🤍

We’re proud to recognize our July Million Dollar Club, with a special shoutout to Derek White, and to celebrate our top producers for their continued dedication and care for every client they serve.

Behind every closing is a support team working countless unseen hours that make it all possible.

In July, Onward Home Mortgage helped 61 individuals and families close on their homes, totaling $26.1M in volume with 100% on-time closings.

To our clients and agent partners for your continued trust, and to every member of the Onward team who helps deliver on it — thank you.

Proud of the work. Grateful for the trust and partnership. 🤍

08/05/2026

Home buying can feel like a competitive sport these days, but with the right steps, you can put yourself in a stronger position when placing an offer on a house.

Stand out among other hungry buyers by utilizing these tips.