Ward Kilduff Mortgage

Ward Kilduff Mortgage NMLS # 64369
Mortgage Broker Only Not Mortgage Lender or Correspondent Lender

Mortgage rates are down a full percentage point since last year. That recent drop doesn’t sound dramatic, until you real...
03/01/2026

Mortgage rates are down a full percentage point since last year.

That recent drop doesn’t sound dramatic, until you realize how much it can already save you on the typical $400k loan.

Compared to buying in January of last year, that saves you more than $330 a month and almost $120k over the life of your loan.

That’s the difference just one year makes.

If buying didn’t work for you last year, let’s re-run the numbers and see if 2026 could finally be your year.

You’ve been waiting for mortgage rates to drop – and it’s happening.Mortgage rates are in the lowest range they’ve been ...
02/27/2026

You’ve been waiting for mortgage rates to drop – and it’s happening.

Mortgage rates are in the lowest range they’ve been in nearly 3 years. And they’re expected to stay in this vicinity for the rest of 2026. That’s a big deal.
That means affordability is going to start to feel different.

The door just opened. Lower payments. Better affordability. More buying power.

If buying didn’t make sense for you before, it might now. Take this as your sign it's time to talk to a lender and take another look at your numbers.

Buying a home is getting more affordable, and this graph helps explain why.It shows how much of a household’s income typ...
02/25/2026

Buying a home is getting more affordable, and this graph helps explain why.

It shows how much of a household’s income typically goes toward buying a home. As a general rule, spending 30% or less of your income on housing is considered affordable.

For the last couple of years, the math was still well above that threshold. But lately, things have been getting better thanks to a mix of lower mortgage rates, slower home price growth, and rising wages.

While affordability isn't going to snap back overnight, the trend is finally moving in the right direction.

If you want to talk through what this means for your buying power, send me a message and let’s break it down.

You’ve been waiting for mortgage rates to drop – and it’s happening.Mortgage rates are in the lowest range they’ve been ...
02/03/2026

You’ve been waiting for mortgage rates to drop – and it’s happening.

Mortgage rates are in the lowest range they’ve been in nearly 3 years. And they’re expected to stay in this vicinity for the rest of 2026. That’s a big deal.
That means affordability is going to start to feel different.

The door just opened. Lower payments. Better affordability. More buying power.

If buying didn’t make sense for you before, it might now. Take this as your sign it's time to talk to a lender and take another look at your numbers.

Saving up to buy a home? Here are a few things you’ll want to budget for. And if you’re not familiar with some of these ...
12/18/2025

Saving up to buy a home? Here are a few things you’ll want to budget for.

And if you’re not familiar with some of these terms, don’t worry. I’ll help you navigate all the details — so you’re not just prepared, but confident when it’s time to make your move.

With my help and a trusted lender by your side, we’ll make sure you’re planning ahead.

Saving for a home? Here’s the secret: small steps, big results.Cutting down on unnecessary expenses, automating your sav...
12/16/2025

Saving for a home? Here’s the secret: small steps, big results.

Cutting down on unnecessary expenses, automating your savings, and putting any unexpected cash (like bonuses) straight into your house fund really adds up over time.

When you’re focused on your goal and have a solid plan in place, you can get there.

DM me if you want more tips on how to get ready to buy.

An inspection isn’t just a box to check; it could save you thousands. From uncovering hidden issues to empowering you to...
12/13/2025

An inspection isn’t just a box to check; it could save you thousands.

From uncovering hidden issues to empowering you to re-negotiate, it’s one of the most valuable steps in the homebuying process.

And if you’re tempted to skip it to make your offer more competitive, let's chat about smarter ways to make your offer stand out.

Here are 3 smart moves every first-time homebuyer should know right now. Always get pre-approved before you start lookin...
12/11/2025

Here are 3 smart moves every first-time homebuyer should know right now.

Always get pre-approved before you start looking at homes online. Factor in things like property taxes and home insurance into your budget. And be sure to get an inspection, so you’re not caught off guard by costly repairs.

While they may sound simple, these tips matter. And if you haven’t bought a house before, you may not realize just how important they are.

Do you want more advice to make this process easier? DM me and let’s chat.

Would you let $80 hold you back from buying a home?Because that’s about all you’ll save per month if mortgage rates drop...
12/10/2025

Would you let $80 hold you back from buying a home?

Because that’s about all you’ll save per month if mortgage rates drop from where they’ve been lately to 5.99%. Of course, that’ll give or take a bit based on your price point and the rate your lender quotes you.

Rates have already come down enough to save buyers almost $400 a month compared to what they would have spent on a typical home earlier this spring. So, waiting for that last tiny dip could mean missing your shot.

Because when rates do fall below 6%, mindsets will shift, and more buyers will get back in the market.

That’ll create more competition for you. And it may drive prices high enough to cancel out the savings you’re waiting for.

So, is $80 a month really worth the wait?

Let’s run the numbers for your price point in our market, so you can see exactly what you’re working with. The difference may not be as much as you think.

Rain, rain, go away… or not. With an easy-to-use online application and loan-tracking platform, you don't need to brave ...
10/02/2025

Rain, rain, go away… or not. With an easy-to-use online application and loan-tracking platform, you don't need to brave the weather to apply for a mortgage or to know exactly where you are in the loan approval process. Let me help you apply today!

Regardless of the military branch you served in, it would be my honor to help you find a mortgage that serves you — savi...
09/26/2025

Regardless of the military branch you served in, it would be my honor to help you find a mortgage that serves you — saving you time and money along the way. Which is something we can all appreciate. Contact me today so we can get started!

Address

59 E Hill Rd
Canton, CT
06019

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+18606587100

Website

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