How Much Home Can You Afford in Today’s Climate?

Kenn Bartley

Published on: 17/10/2025

Affordability is always a central concern for homebuyers, but with mortgage rates higher and home prices elevated, many are reassessing what they can realistically buy. The uncomfortable reality: homes that seemed within reach may now stretch monthly budgets too thin. The encouraging truth: even small improvements in mortgage terms — a slightly lower rate, longer timeline, or better down payment — can expand your buying power. In this post, let’s break down how to calculate your affordable range, show you examples, and offer strategies to stretch your budget.

Mortgage

Will Mortgage Rates Go Down Soon? What Buyers & Refinancers Need to Know

Kenn Bartley

Published on: 17/10/2025

Many homebuyers and homeowners waiting to refinance are holding their breath: will mortgage rates drop soon? With recent talk of a potential Fed rate cut, that hope is understandable. But the truth is more nuanced. Mortgage rates don’t always move in lockstep with the Fed. In this article, we’ll explore what drives mortgage rates, where they stand now, what forecasts suggest, and how you can position yourself.

Mortgage

Should You Wait to Buy a Home If Mortgage Rates Might Drop?

Kenn Bartley

Published on: 23/09/2025

Mortgage rates are always on people’s minds when considering home buying. The thought of locking in a lower rate later can be tempting. But is waiting for rates to drop the smartest move? Let’s break it down.

Mortgage

Will Housing Affordability Improve or Will Mortgage Rates Drop Soon?

Kenn Bartley

Published on: 23/09/2025

The State of Affordability Today As of September 2025, home affordability remains one of the biggest challenges for buyers. Mortgage rates for a 30-year fixed loan are averaging around 6.7%, while home prices continue to climb due to limited inventory. According to recent housing market reports, the typical monthly mortgage payment is now nearly 90% higher than it was just five years ago.

Mortgage