Chryl Shaw Mortgage

09/14/2026

Home Loans With Bad Credit: U.S. Options | https://homelendingloans.loanzify.io/register
Navigating home loans with less-than-perfect credit can feel overwhelming, but in Virginia—and the surrounding areas I serve—there are real options available. While recent data shows the average U.S. mortgage holder has a credit score of 711, and about two-thirds fall between 661 and 850, there are still paths forward if your score is lower. Most conventional lenders look for scores around 620, but government-backed loans can open doors even if you fall below that mark, especially if you can bring a larger down payment to the table. Some of these programs require only a small down payment for stronger credit, but if your score is on the lower end, expect to put down closer to 10%. Veterans may find options with no down payment at all. To put your best foot forward, focus on saving for your down payment, keeping your debt-to-income ratio at or below 36%, reviewing your credit reports, using credit cards wisely, and making payments on time. Always compare a few preapprovals within a 14-day window, and remember: if the payment exceeds about 30% of your income or stretches your savings too thin, it’s okay to step back. Helping buyers realize their dream of homeownership—even in challenging credit situations—is at the heart of what I do.

09/12/2026

High-Value Home Financing Tailored to Your Needs
Jumbo and specialty loans provide flexible financing for luxury homes, unique properties, and high-value real estate investments.
https://www.roomvu.com/services/page/jumbo-specialty-loans?agent_profile_name=chryl-shaw

09/12/2026

Current Virginia Mortgage And Refinance Rates
If you’re considering a move or exploring your refinance options in Virginia, here’s an update you’ll want to know: the average 30-year mortgage APR in Virginia is currently 6.696%, just a touch below the national average of 6.701%. For those looking at a 15-year fixed, the rate stands at 5.888%, while jumbo 30-year loans are at 6.946%. If you’re thinking about refinancing, the 30-year refinance rate is 6.749%. It’s encouraging to see rates trending down over the past 90 days. As a company dedicated to serving buyers and homeowners across King William and the surrounding areas, we’re focused on helping you achieve your goals—whether that’s stepping into homeownership or securing a more manageable monthly payment.
https://www.housing-trends.com/agent-news/chryl-shaw/1937130-Current-Virginia-Mortgage-And-Refinance-Rates

09/11/2026

VA Loans vs. Conventional Loans
Navigating your mortgage options can feel overwhelming, so I wanted to break down a common question for many buyers in Virginia and the surrounding areas: What’s the real difference between VA loans and conventional loans? VA loans, backed by the Department of Veterans Affairs, are designed for veterans and military members. They typically don’t require private mortgage insurance, though a funding fee applies. On the other hand, conventional loans might be more cost-effective if you can put 20% down, and they’re a good fit for second homes or investment properties. As a team that specializes in both purchase and refinance solutions, we’re here to help you weigh which loan type fits your goals—whether you’re buying your first home or looking to save on your monthly payment.
https://www.housing-trends.com/agent-news/chryl-shaw/1923657-VA-Loans-vs.-Conventional-Loans

09/10/2026

When Keeping Your Current Mortgage Is the Smart Choice
As a team dedicated to guiding clients through both home purchases and refinancing across Virginia, I often get asked if refinancing is always the right move. While refinancing can seem appealing—lowering your rate or simplifying debt—it’s important to look at the bigger picture. Extending your loan term may reduce your monthly payment, but it can increase your total interest paid over time and add upfront costs. There are also risks like taking on more debt, potential effects on your credit, and certain lender restrictions. Even so-called 'no-cost' loans can bring hidden fees. My goal is to make sure you have all the information you need to make the best decision for your situation, whether you’re considering refinancing or exploring your purchase options in the King William area or beyond.
https://www.housing-trends.com/agent-news/chryl-shaw/1951885-When-Keeping-Your-Current-Mortgage-Is-the-Smart-Choice

09/10/2026

09/09/2026

US Mortgage Rates Stay Near 7% | https://homelendingloans.loanzify.io/register
Mortgage rates are holding steady, with the average 30-year fixed near 7% and the 15-year fixed around 6%. While experts don’t expect significant drops soon, forecasts suggest we might see 30-year rates dip to the mid-6% range by late 2026 and remain in the low-6% range through 2027. Even as short-term rate policy remains unchanged, mortgage pricing is still closely tied to the 10-year Treasury, which is currently above 4.5%. For those navigating the Virginia market—whether buying, selling, or refinancing—it’s important to remember that rates are just one piece of the puzzle. Affordability is shaped by more than just interest rates; supply and your personal situation matter too. Practical strategies can make a real difference: test your budget at today’s rates, keep an open mind about condos or homes needing a little TLC, explore 15-year loan options, or look into rate buydowns if they fit your monthly plans. As a local team dedicated to helping Virginia homebuyers and homeowners, we focus on guiding you through these choices so you can find the path that fits your goals best.

09/08/2026

Signs You're Financially Ready to Buy a House
Thinking about taking the next step toward homeownership? Here are some key indicators you’re financially ready: a steady income, savings that go beyond your down payment, a solid emergency fund, good credit, manageable debt, and a well-planned budget that covers all the true costs of owning a home. If you’re planning to put down roots and build equity over the long haul, you’re on the right track. As a full-service real estate and mortgage team in King William and across Virginia, we take pride in helping buyers and refinancers feel confident in every step of the process. Your path to homeownership should feel secure—and we’re here to make sure it does.

09/08/2026

Refinance Your Mortgage and Save More
Lower your monthly payments, reduce your interest rate, or access your home’s equity with a refinancing plan tailored to your needs.
https://www.roomvu.com/services/page/mortgage-refinancing?agent_profile_name=chryl-shaw

09/08/2026

Americans: When Refinancing Can Pay Off | https://homelendingloans.loanzify.io/register
Thinking about refinancing your home loan in Virginia or the surrounding areas? If you locked in a mortgage with a rate in the high-6% to low-8% range recently, it might be time to take a closer look at your options. Refinancing can make a real difference when it helps you secure a lower interest rate—and a lower payment. To get the best results, I always recommend shopping at least three lenders, working on your credit profile, and comparing each offer by APR. That way, you’ll see all the fees and points up front and know you’re making a smart move. My focus is always on helping you reach your financial goals, whether you’re buying your first home or working to lower your monthly payment through a refinance.