Momentum Loans

06/01/2026

Smaller homes are having a moment.

That’s because affordability is tight and, for many buyers, smaller is what fits the budget. And builders are listening.

Newly built homes have been trending smaller since 2014 – and that’s on purpose.

They're more affordable than larger homes. And many come with built-in community amenities like walking trails, fitness centers, and even co-working spaces, so less space still delivers.

If you've been feeling priced out of bigger homes, a smaller one could fit your budget and your lifestyle. And with brand-new everything, it may not feel like as much of a compromise as you think.

Give us a call and let us help you see what size of house you can qualify for.

05/28/2026

A lot of people have been waiting for rates to drop or prices to come down before making a move. But the reality is, sometimes life changes before the market does.
A growing family.
An empty nest.
A new job.
Retirement.
Needing to be closer to loved ones.

Those are the real reasons 1 in 5 buyers last year said they felt like they had to move, no matter the market. Because life doesn't wait for the timing to be perfect.

And if that’s where you are right now, you can still move. You may even have more options than you think. You just need someone who can help you find them. Give us a call today to go over your financing options!

05/27/2026

After a year or more of rates coming down, things have changed. And lately, mortgage rates have been climbing again. And if that's made you wonder whether you should delay your move until they drop, you're not the only one.

The honest truth is that rates probably won't come down much until inflation cools off and some of the global uncertainty settles. And no one knows exactly when that'll be.

But what most headlines won't tell you is that rates aren't the only thing that affects affordability. Sure, they’re a big factor, but not all of the affordability news is bad.

Wages, home prices, and inventory are all trending in a direction that could still help make your move possible. Want to know what that actually looks like for your situation? Give us a call today!

05/20/2026

You've probably heard that mortgage debt in America just hit an all-time high. And that's true.
But here's what the headline leaves out.

Equity is also near an all-time high. And at $34.1 trillion, it's more than double the $14.4 trillion in debt.

That's a good thing. It means most homeowners own far more than they owe. So, they have a real financial cushion right now.

That’s something homeowners didn’t have during the crash of 2008. Back then, people owed more than their homes were worth. Today, it’s just the opposite.

Homeowners are in a much better position, and the housing market is on stronger footing than the headlines suggest.

05/15/2026

05/11/2026

Did you know nearly 1 in 3 home purchases today involves co-buyers?

That's right, more and more first-time buyers are teaming up with friends, siblings, or unmarried partners to make homeownership happen.

And honestly? It makes a lot of sense given how tough affordability can still be for first-time buyers.

Combining incomes means a bigger down payment, better loan qualification, and lower monthly costs for everyone involved.

If you've been feeling priced out, co-buying might be the move you haven't considered yet. Drop your questions in the comments. We'd love to help you explore your options.

05/08/2026

“Should I just wait?” It’s the question it seems like everyone’s asking. And here’s your answer. Even with everything going on, people are still moving. More homes are going under contract. More people are applying for mortgages. And that means you can too. You just need a plan. Want to figure out what that looks like for you? Let’s talk.

05/04/2026

Spring always gives sellers an edge.

But data shows there’s a short window when that advantage really peaks – and it’s usually the last two weeks of May.

While it can vary by market, that's when buyer demand is at its strongest and competition pushes prices higher.

In some cases, that timing alone can mean a seller makes tens of thousands of dollars more.

If you’re aiming to sell for top dollar, this is the moment to watch.

Want to go over your mortgage options? Let’s talk.