Israel Richardson - Cityscape Home Mortgage

10/07/2026

🏠 MYTH vs. REALITY: Does the Fed Control Mortgage Rates?

MYTH: When the Federal Reserve raises or lowers rates, mortgage rates automatically do the same thing.

REALITY: The Fed does not directly set mortgage rates.

Mortgage rates are influenced by several things, including:
• Inflation
• The overall economy
• The bond market
• And yes — Federal Reserve policy

That’s why you can sometimes see the Fed make a move and mortgage rates react differently than people expect.

The biggest takeaway for homebuyers?
👉 Don’t try to perfectly time the market.

Rates can move quickly, and there’s no guarantee waiting will mean a lower rate or a lower home price.

Instead, focus on whether the payment and financing make sense for you today. If rates improve later, refinancing may be an option.

Have questions about what today’s market looks like for your budget? Send me a message. I’m always happy to run the numbers.

You've probably heard the Federal Reserve (the Fed) is raising rates again. And if you're planning to buy or sell a house, you may be wondering what that means for you.

09/30/2026

Financing a condo looks different these days. New regulations require lenders to make a thorough assessment of a condo association’s financial health before making a conventional loan, including a refinance. If you have questions about how this may impact a purchase or refi, please reach out. Cityscape Home Mortgage is an Equal Housing Lender.

09/03/2026

Why Buyers Shouldn't Overlook a Fall Move

You've been waiting for something to change before you buy. It just might not be the thing you expected…

07/04/2026

What's your July 4th vibe? However you celebrate, we hope today is filled with joy, sunshine, and summer magic. Wishing you a safe and memorable holiday. Cityscape Home Mortgage is an Equal Housing Lender.

06/22/2026

Before you start seriously searching for a home, getting pre-approved is one of the most important steps.

Why it matters:
✅ Shows sellers you are a serious buyer
✅ Helps you focus on homes within your budget
✅ Speeds up the process when you find the right one
✅ Avoids disappointment after falling in love with a home

Pre-approval gives you a clear starting point and a competitive edge.

Have questions about the pre-approval process? Reach out for expert guidance!

06/11/2026

Extremely grateful to make the Diamond Club for May! Thankful for all my amazing clients and referral partners!

📣📣Introducing the 2026 May Top Producers!

Every customer has a dream. Our duty is to earn the privilege of helping make it happen through expertise, hard work, and unwavering professionalism.

We're Here To Make Good Things Happen For Other People. Give More. Enjoy More.

AMC vs 🌎🔥🔥

05/10/2026

Love is in full bloom today! All of us at Cityscape Home Mortgage send warm wishes to everyone marking Mother's Day, whether you're celebrating, remembering, or supporting someone you care about. Cityscape Home Mortgage is an Equal Housing Lender.

05/04/2026

Happy Home Remodeling Month! Is your home ready for a spring refresh? If financing feels like the toughest part of getting started, tapping into your home equity may be a place to start. Please reach out, and we can run the numbers for your scenario. Cityscape Home Mortgage is an Equal Housing Lender.

05/01/2026

It's Military Appreciation Month! All of us at Cityscape Home Mortgage are honored to serve those who serve our country, and we extend our heartfelt thanks to current and former members of the U.S. military. Please let us know if we can help you in any way. Cityscape Home Mortgage is an Equal Housing Lender.