Mortgages with Mitch - NMLS 1995083

30/03/2026

Most buyers think they need a big down payment. Not anymore.

A little-known loan just got a major upgrade. And it might open doors you didn’t think were possible 🏠

A little-known loan program just became a lot more powerful. USDA loans allow qualified buyers to purchase a home with zero down payment, but slow closing times have always held them back. That’s no longer the case. With new updates allowing lenders to process these loans faster, buyers can now co...

20/03/2026

This homeowner used ChatGPT to sell their home… here’s what actually happened 🤖🏡

Everyone’s talking about the homeowner who used AI to sell his house in just five days. Sounds impressive… but that’s only part of the story. In this edition of The Mortgage Mailbag, we break down what actually happened. The home hit the market at $972,500, drew multiple offers quickly, and st...

13/03/2026

Is Wall Street about to get kicked out of the housing market?

The Senate just passed a bipartisan housing bill that could dramatically limit how large investors buy single-family homes. The idea is simple. If fewer corporations can buy houses, more families might.

But like most housing policy, the real story is more complicated. And if this proposal actually becomes law, the ripple effects could reach buyers, renters, builders, and investors across the country.

Link in the comments!

09/02/2026

Check this out before you refinance! Be sure you are maximizing your INTEREST savings, NOT just your payment. 🏠

03/02/2026

One of the biggest lies buyers are still holding onto: “Rates will go back to 3%.”

Those rates didn’t exist because the economy was thriving.

They showed up because something was broken.

For mortgage rates to hit 3% again, you’d likely see:

• A major recession
• Rising unemployment
• Businesses pulling back
• Lending getting tighter, not easier

Low rates aren’t a gift. They’re an emergency response.

And let’s not forget what happened last time:
Prices exploded. Buyers overpaid. Competition was brutal.

Cheap money didn’t make homes affordable, it made them harder to get.
Smart buyers don’t wait for perfect rates.

They buy when the math, leverage, and life line up.

29/10/2025

Curious what your home is really worth right now? 🏠

You might be sitting on more equity than you think… and that could open the door to big opportunities.

With rates beginning to drop again, a lot of homeowners are finally getting off the fence, whether that means selling, buying, or refinancing into a better payment.

Knowing your equity is the first step in making a smart move.

Whether you're considering:

• Moving up to your next home
• Reducing your monthly payment
• Consolidating high-interest debt
• Or simply staying informed about your biggest asset

You can check your current home value in about 60 seconds. No login. No hassle. Just real numbers.

How much a buyer might pay for your home in today’s market

14/10/2025

https://mortgageswithmitch.net/post/new-blog-post-2001

🔎 Homebuyers Are Canceling Deals at a Record Rate - Here’s Why!

In August, 56,000 home purchase agreements were canceled across the country, according to Redfin. That’s equal to 15.1% of homes that went under contract that month, and marks the highest percentage of cancellations on record in any August dating back to 2017

23/08/2025

From down payment gifts to full-on co-ownership, “nepo-buyers” are becoming the new normal and it’s reshaping how families build wealth. Check it out!

Did you know that nearly 40% of Gen Z buyers got help from their parents to purchase a home last year? I just finished reading an article on Realtor.com that breaks down how multi-gen money moves are shaping the future of first-time homebuying.

24/05/2025

🏡 Sellers Are Dreaming, Buyers Are Bargaining

I just read this eye-opening report about the growing gap between list and sale prices—had to share my two cents! Check it out...