mortgage - The Jenn Pfeiffer Team

June 2, 2026

The Truth About Affordability Today

From our friends at the kcm blog Let’s be real with each other for a second about affordability. Because you deserve someone who will be honest and transparent about what’s going on, especially if you’ve got a move on your mind. Here’s the full picture of what’s happening and why. The good – and the bad. So, you know what it truly means for your move. Because while rates are certainly a big part of affordability, they’re not the only factor at play. Mortgage Rates Have Been Rising After a year or more of rates trending down, they’ve started to climb again. And, if you’re looking to buy, that’s not what you...

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May 20, 2026

Buying, Selling

Record High Mortgage Debt Sounds Scary. Here’s What the Headlines Leave Out.

From our friends at the kcm blog You may have seen the headlines lately about mortgage debt in America hitting a record high. And maybe your brother-in-law brought it up at the dinner table like he’s been waiting all week to spark a debate. Here’s the thing. He’s not wrong. But he only has half the story. And the half he’s missing? It changes everything. Spoiler: homeowners are on stronger footing than the headlines suggest, and the housing market has more going for it than most people realize. The Headline Number Is Real, But It’s Missing Context Yes, according to the Federal Reserve, there is currently about $14 trillion in mortgage debt in the United States....

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October 29, 2025

Buying, Selling

Why You Don’t Need To Be Afraid of Today’s Mortgage Rates

From our friends at the kcm blog Mortgage rates have been the monster under the bed for a while. Every time they tick up, people flinch and say, “Maybe I’ll wait.” But here’s the twist. Waiting for that perfect 5-point-something rate could end up haunting your wallet later. The Magic Number According to the National Association of Realtors (NAR): “. . . a 30-year fixed rate mortgage of 6% would make the median-priced home affordable for about 5.5 million more households—including 1.6 million renters. If rates were to hit that magic number, it’s likely that about 10%—or 550,000—of those additional households would buy a home over the next 12 or 18 months.” When the market hits that mortgage...

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October 2, 2025

Buying

October Mortgage Outlook: Lower Rates Could Deliver a Treat

By Holden Lewis, NerdWallet|SFGATE Mortgage rates are likely to fall in October, even as the government shutdown will make it hard to see where the economy is going and where it's been. Presented with the humility of someone who doesn't always get these predictions right, here's why mortgage rates might fall in October. But first, how else will mortgage shoppers be affected? In past government shutdowns, most mortgages have been available, including those backed by the Federal Housing Administration (FHA loans) and the Department of Veterans Affairs (VA loans). There were delays in some cases. USDA loans, backed by the Department of Agriculture, were unavailable. A Fed rate cut is almost a sure...

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September 17, 2025

Selling

Why Now May Be a Key 2025 Moment To Sell Your House

From our friends at the kcm blog Mortgage rates are finally heading in the right direction – and buyers are starting to jump back in. According to the data, buyer demand picked up considerably once mortgage rates hit a new low for 2025. The Mortgage Bankers Association (MBA) reports that applications for home loans were up 23% compared to the first week of September last year. If you’ve been waiting to sell, or your listing recently expired because the market was slower than you hoped it would be, now’s the time to reconsider your move. Buyer demand is the highest it’s been since July – and you don’t want to miss this window. When Rates Drop, Buyers React Here’s...

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June 24, 2025

Selling

Why More Sellers Are Choosing To Move, Even with Today’s Rates

From our friends at the kcm blog It’s hard to let go of a 3% mortgage rate. There’s no question about it. It’s the main reason why so many homeowners have delayed their move in recent years. But here’s something to consider. While your low rate might be ideal, it doesn’t make up being too cramped, having a staircase your knees can’t handle anymore, or being 1,000 miles from your family. And those real-life needs are pushing more sellers off the fence despite today’s rates. Data shows the share of homeowners with a mortgage rate below 3% is dropping as more people move. And, as a result, the share of homeowners taking on a mortgage rate above...

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June 10, 2025

Buying

Buying Your First Home? FHA Loans Can Help

From our friends at the kcm blog If you’re a first-time homebuyer, you might feel like the odds are stacked against you in today’s market. But there are resources and programs out there that can help – if you know where to look. And one thing that can make homeownership easier to achieve? An FHA home loan. They’re designed to help you overcome some of the biggest financial hurdles in the homebuying process – and that’s why so many first-timers are using them to make their purchase. Whether you’re dreaming of ditching rent, planting roots, or just wanting a place that’s truly yours, an FHA home loan could be the path...

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March 24, 2025

Buying, Selling

4 Things To Expect from the Spring Housing Market

From our friends at the kcm blog Spring is in full swing, and the housing market is picking up along with it. And if you’ve been wondering whether now is the right time to buy or sell, here’s the inside scoop on why this spring may be a great time to make your move. 1. There Are More Homes for Sale After a long stretch of tight inventory, the number of homes for sale is finally improving. According to recent national data from Realtor.com, active listings are up 27.5% compared to this time last year. Look at the graph below and follow the green line for 2025. You can see, even though inventory levels still...

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February 26, 2025

Buying

How To Buy a Home Without Waiting for Lower Rates

From our friends at the kcm blog Many people are hoping mortgage rates will come down before they buy a home. But will that actually happen? According to the latest forecasts, experts say rates will decline, but not by as much as a lot of people want. The good news? Even if they don’t drop substantially, there are still ways to make buying a home more affordable. How Much Will Rates Drop? A few months ago, experts were forecasting mortgage rates could dip below 6% by the end of the year. But recent projections suggest that may not happen after all. While mortgage rates are still expected to decline some later this...

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January 8, 2025

Buying, Selling

Expert Forecasts for the 2025 Housing Market

From our friends at the kcm blog Wondering what’s in store for the housing market this year? And more specifically, what it all means for you if you plan to buy or sell a home? The best way to get that information is to lean on the pros. Experts are constantly updating and revising their forecasts, so here’s the latest on two of the biggest factors expected to shape the year ahead: mortgage rates and home prices. Will Mortgage Rates Come Down? Everyone’s keeping an eye on mortgage rates and waiting for them to come down. So, the question is really: how far and how fast? The good news is they’re...

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mortgage Tag

The Truth About Affordability Today

Record High Mortgage Debt Sounds Scary. Here’s What the Headlines Leave Out.

Why You Don’t Need To Be Afraid of Today’s Mortgage Rates

October Mortgage Outlook: Lower Rates Could Deliver a Treat

Why Now May Be a Key 2025 Moment To Sell Your House

Why More Sellers Are Choosing To Move, Even with Today’s Rates

Buying Your First Home? FHA Loans Can Help

4 Things To Expect from the Spring Housing Market

How To Buy a Home Without Waiting for Lower Rates

Expert Forecasts for the 2025 Housing Market

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