Mutual Financial Corporation

10/14/2026

Explore the new FHFA loan limits for 2027 and see how they benefit home buyers, home sellers and financing options this year.

Explore the new FHFA loan limits for 2027 and see how they benefit home buyers, home sellers and financing options this year.

10/07/2026

Explore 10 practical ways to use home equity wisely, plus key risks and tips to decide what may fit your goals.

Explore 10 practical ways to use home equity wisely, plus key risks and tips to decide what may fit your goals.

10/02/2026

You want lower mortgage rates?
Then watch the consumer.
As long as Americans keep borrowing and spending, inflation is harder to kill, bond yields stay under pressure, and mortgage rates have a harder time coming down.

Eventually, something gives.

Spending slows.
The economy cools.
Bond yields can fall.
Mortgage rates can follow.

But here’s the part nobody talks about:

The 6% mortgage rate everyone is waiting for may show up with layoffs, fear—and a whole lot of buyers jumping back into the market.

Everybody wants 6%.

Be careful what you’re waiting for.

10/02/2026

AI is interviewing our kids now… and it’s watching EVERYTHING.
Did you blink too much? Look nervous? Not confident enough?

AI isn’t just listening to what applicants say—it can be used to evaluate how they respond.

For our kids, that first interview can be the beginning of income, independence, and eventually being able to afford a home.

We taught them how to interview with a person.

Now we have to teach them how to interview with an algorithm.

That part should make every parent pay attention.

09/30/2026

In 2022, mortgage rates nearly doubled—and buyers waited for home prices to crash.

They didn’t.

This time, rates are jumping into a very different housing market: more inventory, longer days on market, and more sellers already adjusting.

If rates stay high, pressure builds on sellers.
If rates fall, buyers come back.

Either way, the market is being forced to adjust.

And this time, the buyer may not be the one under the most pressure.

09/29/2026

Sometimes claiming Social Security early can make a lot more sense than waiting.

Do the break-even math before you decide.

Life is unpredictable—but life expectancy statistics exist for a reason. 🤨

Don’t just ask, “How much more will I get if I wait?”

Ask: “How long will it take me to make up all the checks I gave up?”

09/28/2026

It’s time to make that “insulting” offer—because right now sellers outnumber buyers by 58%, 3 in 5 homes are selling below their original asking price, and nearly 45% of buyers are getting seller concessions.

September 27–October 3 is considered the best week of the year to buy a home.

So if you’re waiting for the perfect interest rate, you may be watching the wrong number.

This is your window to negotiate the price, closing costs, repairs—even a rate buydown.

You can refinance later.

You can’t renegotiate the price you paid.

Not every home. Not every market.

But if that house has been sitting?

Make the offer.

09/25/2026

Putting your kids on the deed may sound like smart estate planning — but it can create a tax problem you were trying to avoid.

The goal isn’t just to leave them the house. It’s to leave it to them the right way.

A properly structured trust can make a huge difference.

Before changing title, talk to an estate-planning attorney and tax professional.