7 Locks Lending - Mortgages and Refinancing

08/29/2026

Every industry has its jargon. Mortgages may have more than their fair share.
Temporary buydowns are one example—but they don't have to be that complicated.

Here’s a straightforward look at what they are, how they affect your payment, who pays for them, and when they might make sense.

What is a Temporary Buydown?

08/12/2026

This is a national housing survey of mortgage professionals that seems to indicate slower buyer activity and more sellers willing to negotiate. As always, remember that markets are local. If you have been thinking about buying but have been on the fence, this could mean opportunity, but your timing may play a role as others may be having similar thoughts. My article "Did You Miss The Boat" offers a perspective on this. www.7lockslending.com/blog/did-you-miss-the-boat

Would love to hear other thoughts on this topic - please share your comments.

08/06/2026

It is important to understand the different levels of mortgage pre-approvals as both a buyer and a seller. Here is a good overview.

07/28/2026

www.7lockslending.com/blog/why-is-this-home-in-a-flood-zone-theres-no-water-anywhere-nearby

Flood Zones Aren't Just About Visible Water Many people assume that if they can't see a body of water, flood insurance shouldn't be an issue. In reality, FEMA flood maps are created using detailed engineering studies that evaluate much more than nearby rivers. They consider factors such as: Ele

07/04/2026

06/24/2026

Could your credit score be higher than you think? Learn how VantageScore 4.0 may impact mortgage qualification and loan pricing. Click link to learn more: https://www.7lockslending.com/blog/vantagescore-40-is-here

06/10/2026

Whether you're buying, refinancing, building, or just wondering if now is the right time to act, we're here to help put the pieces together.

🔒 Guidance when the market feels uncertain.
🔒 Strategy when rates are moving.
🔒 Local expertise you can trust.