by Tevis Durbin | Feb 3, 2026 | Mortgage
If you’ve ever heard “Congrats, your rate is locked!” and felt your shoulders drop, you’re not alone. For most buyers, that moment means relief and certainty. It also leads to a common assumption: if my rate is locked, my payment must be locked...
by Tevis Durbin | Jan 29, 2026 | Mortgage
It happens every year. A homeowner opens their mortgage statement, sees a higher payment, and their stomach drops. “Did my lender change my interest rate?” A few days later, they find an unopened letter buried in a stack of mail. The subject line sounded...
by Tevis Durbin | Jan 27, 2026 | Mortgage
Say “adjustable-rate mortgage,” and many people still flinch. That reaction makes sense. The last time ARMs were widely used, many borrowers didn’t fully understand them, and the system didn’t protect them. Payments jumped, options were...
by Tevis Durbin | Jan 22, 2026 | Mortgage
Most buyers do not learn about the term “non-warrantable condo” until it becomes a problem. Everything feels lined up. You have approval, and like the unit. It’s in your price range. Then the lender says, “This condo is not warrantable.”...
by Tevis Durbin | Jan 20, 2026 | Mortgage
Condo financing can deceive even astute buyers, especially first-time buyers and downsizers seeking a simpler lifestyle. On the surface, the price appears lower than that of a single-family home. The lower monthly payments and reduced maintenance seem like a real win....
