What Every Buyer Needs to Know About ARM Loans Before They Sign and What Questions to Ask First
Lower payment now, risk later. John Cobain explains when ARMs make sense and when they do not. ...more
mortgage
June 12, 2026•4 min read
May Was a Tough Lesson for Rate Watchers and Here Is the Plan That Actually Works Right Now
One hot report moved rates fast. John Cobain explains how to buy when the numbers make sense now ...more
mortgage
June 12, 2026•4 min read
The Biggest Mortgage Credit Score Change in 30 Years Just Happened and It Could Help You Qualify
VantageScore 4.0 and FICO 10T now count rent payments. John Cobain explains what changed. ...more
mortgage
May 08, 2026•4 min read
The Fed Held Rates Steady Again and Here Is What It Actually Means for Your Mortgage
Fed stable for the third time. John Cobain explains what buyers should do right now. ...more
mortgage
May 08, 2026•4 min read
Why the War With Iran Is Affecting Your Mortgage Rate and What Buyers Need to Understand
Most borrowers do not connect geopolitics to their housing payment but the connection is direct and fast-moving. John Cobain explains the chain reaction from oil prices to bond yields to your monthly ... ...more
mortgage
April 02, 2026•5 min read
A New FHFA Rule Could Lower What Millions of Homeowners Pay for Insurance Every Month
Fannie Mae and Freddie Mac just changed their roof insurance requirements in a move that could meaningfully reduce premiums for the majority of mortgage borrowers. John Cobain breaks down what changed... ...more
mortgage
April 02, 2026•5 min read
The Home Sale Tax Rule From 1997 That May Finally Be Getting an Update
The capital gains exclusion on home sales has not changed in nearly 30 years and it is locking long-term homeowners in place. John Cobain explains what lawmakers are debating and why now is the time t... ...more
mortgage
March 13, 2026•6 min read
Are We Finally in a Buyer's Market? What Smart Buyers Need to Understand Right Now
Inventory is up and homes are sitting longer, but prices are not falling the way the data suggests they should. John Cobain breaks down what is driving today's housing market and where prepared buyers... ...more
mortgage
March 13, 2026•5 min read
Is the Housing Market Going to Crash Like 2008? The Data Says This
One of the biggest questions I hear right now is: “Is the housing market going to crash like 2008?” There is a lot of noise out there, so let’s separate fear from fundamentals. Could some markets cor... ...more
mortgage
January 05, 2026•3 min read
