Carolina Home Loans - NMLS #113219

09/07/2026

Wishing you a wonderful Labor Day.

09/04/2026

Mortgage rates hit their highest level since June 2025 this week. While that milestone sounds ominous, it was the product of gradual movement and logical motivations.

08/28/2026

Mortgage rates were on track for a fairly uneventful week until Friday morning, when a speech from Fed Chair Kevin Warsh triggered a sharp bond market sell-off. The average top-tier 30yr fixed rate jumped to its highest level in just over 3 weeks.

08/28/2026

As your home value grows and you pay down your mortgage, you may build equity that can provide greater financial flexibility. Depending on your goals, options may include a cash-out refinance or other forms of home equity financing that may be used for purposes such as debt consolidation. Each comes with different rates, costs, and repayment terms. The right approach depends on how much equity you’ve built, your current mortgage, and what you want to accomplish. I can help you compare options that fit your financial goals and determine what may make sense for you. Have questions? Send me a message — I’m happy to help!

08/24/2026

There’s more to the cost of homeownership than the price of the home. Property taxes, insurance, HOA fees, maintenance and utilities can all impact your monthly budget. Before you start shopping, consider the full cost of owning a home so you can set a realistic budget, avoid surprises, and find a home that fits comfortably within your finances. Curious what buying could look like for you? Reach out anytime. I’m here to help.

08/21/2026

http://housingnewsletters.com/carolinahomeloans/6a88b4713e5225979152572f

Mortgage rates ended the week moderately higher, but things could have been slightly worse without Wednesday's surprisingly sharp drop in longer-term Treasury yields (a key benchmark for mortgage rates). The cause was an announcement about Treasury's bond buyback program--a subject that made far mo...

08/15/2026

http://housingnewsletters.com/carolinahomeloans/6a7f85313e522597915014cd

Rates may still be elevated in a general sense, but by the end of the week, they were as low as they've been since July 17th. If we have one thing to thank, it was this week's inflation data.

08/15/2026

A common misconception is that you need perfect credit to buy a home. The reality? Different loan programs have different credit requirements, and your credit score is just one piece of the puzzle. Lenders may also consider your income, debt, employment history, down payment, and overall financial picture when evaluating your loan options. Have questions about your situation? Send me a message. I’m happy to help you understand your options.

08/09/2026

http://housingnewsletters.com/carolinahomeloans/6a7658fe5952ea6a6a2bcb0a

Mortgage rates moved lower almost every day this week with most of the help coming from war-related headlines and a last minute boost from the jobs report.

08/01/2026

http://housingnewsletters.com/carolinahomeloans/6a6d16fc5952ea6a6a298504

If there's one thing to know about this week's rate movement is that it left us almost exactly where we were last Friday. How we got there felt a bit more dramatic at times.