<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[Mortgage]]></title><description><![CDATA[Mortgage]]></description><link>https://www.mortgageadvisorforyou.com/blog</link><generator>RSS for Node</generator><lastBuildDate>Mon, 21 Sep 2026 17:54:03 GMT</lastBuildDate><atom:link href="https://www.mortgageadvisorforyou.com/blog-feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[Is buying your first home still a dream?]]></title><description><![CDATA[Stop Dreaming and take action now! Don't keep listening to all the negative "noise" out there, that home prices are out of reach for 1st time homebuyers. First of all you only need a 3% down payment on the purchase price for a standard mortgage and 0% if it's in a rural area or you have veteran's benefits. Here's what I'll tell you and my best advice....don't expect to buy a $300,000-$400,000 and stop looking at them! If you truly are just starting out, understand you really want to focus on...]]></description><link>https://www.mortgageadvisorforyou.com/post/is-buying-your-first-home-still-a-dream</link><guid isPermaLink="false">6a6c39ea496864d77248b56a</guid><pubDate>Mon, 20 Jul 2026 18:36:01 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/b1a242_9125c16623cd4005ba496bf03d76b951~mv2.jpg/v1/fit/w_960,h_640,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Therese Tutag</dc:creator></item><item><title><![CDATA[Existing-Home Sales Reach Five-Month High as Affordability Improves]]></title><description><![CDATA[Existing-home sales picked up in May, rising to their highest level since December as improving affordability and steady household income gains continued to support demand. Sales increased 3.2% from April to a seasonally adjusted annual rate of 4.17 million, and were also 3.2% higher than a year ago. “More Americans are on the move,” said NAR Chief Economist Lawrence Yun, noting that sales reached their strongest pace since December. He said improving affordability is helping drive the...]]></description><link>https://www.mortgageadvisorforyou.com/post/existing-home-sales-reach-five-month-high-as-affordability-improves</link><guid isPermaLink="false">6a6c39ea496864d77248b545</guid><pubDate>Fri, 12 Jun 2026 20:02:54 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/b1a242_42d77f34910947c0bd79f052b2365172~mv2.png/v1/fit/w_720,h_472,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Therese Tutag</dc:creator></item><item><title><![CDATA[Mortgage rates close to lowest levels in more than a year and very close to the lowest levels in more than 3 years. ]]></title><description><![CDATA[Many scenarios for refinances and FHA Purchases are in the mid to high 5 percent range!]]></description><link>https://www.mortgageadvisorforyou.com/post/mortgage-rates-close-to-lowest-levels-in-more-than-a-year-and-very-close-to-the-lowest-levels-in-mor</link><guid isPermaLink="false">6a6c39ea496864d77248b559</guid><pubDate>Fri, 24 Oct 2025 16:32:46 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/b1a242_60dd568448ca4ba98ae6245b8b9441be~mv2.jpg/v1/fit/w_600,h_315,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Therese Tutag</dc:creator></item><item><title><![CDATA[Payoff or paydown your student loans with a cash out refinance to save a bundle!]]></title><link>https://www.mortgageadvisorforyou.com/post/payoff-or-paydown-your-student-loans-with-a-cash-out-refinance-to-save-a-bundle</link><guid isPermaLink="false">6a6c39ea496864d77248b544</guid><pubDate>Tue, 09 Sep 2025 21:01:43 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/b1a242_93f757e3be5e4998b4566ef0f168ff27~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Therese Tutag</dc:creator></item><item><title><![CDATA[1% down payment program is the best deal around!]]></title><description><![CDATA[CALL TODAY! 586.822.1580]]></description><link>https://www.mortgageadvisorforyou.com/post/1-down-payment-program-is-the-best-deal-around</link><guid isPermaLink="false">6a6c39ea496864d77248b531</guid><pubDate>Sun, 07 Sep 2025 16:18:18 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/b1a242_78c05dfd479b47d595f8232cf7896242~mv2.jpg/v1/fit/w_600,h_600,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Therese Tutag</dc:creator></item><item><title><![CDATA[Mortgage rates are already down-don't wait!]]></title><description><![CDATA[Call for your quote! Each transaction is different so many rates are in the 5's too! It's a well-known fact that the monthly jobs report...]]></description><link>https://www.mortgageadvisorforyou.com/post/mortgage-rates-are-already-down-don-t-wait</link><guid isPermaLink="false">6a6c39ea496864d77248b543</guid><pubDate>Sat, 06 Sep 2025 17:06:06 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/b1a242_25998214b5e6418785f1d9c6c17f57a6~mv2.jpg/v1/fit/w_600,h_315,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Therese Tutag</dc:creator></item><item><title><![CDATA[Prepare to apply for a mortgage with these credit tips]]></title><description><![CDATA[Your credit history  is one of the main factors a lender evaluates when considering whether to approve your application for a mortgage...]]></description><link>https://www.mortgageadvisorforyou.com/post/prepare-to-apply-for-a-mortgage-with-these-credit-tips</link><guid isPermaLink="false">6a6c39ea496864d77248b530</guid><pubDate>Tue, 12 Aug 2025 14:51:11 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/b1a242_812521c292674600b14c7dc1506c752e~mv2.jpg/v1/fit/w_500,h_261,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Therese Tutag</dc:creator></item><item><title><![CDATA[Could be a good time for a cash out Refinance! Call anytime to discuss.]]></title><link>https://www.mortgageadvisorforyou.com/post/could-be-a-good-time-for-a-cash-out-refinance-call-anytime-to-discuss</link><guid isPermaLink="false">6a6c39ea496864d77248b542</guid><pubDate>Tue, 01 Jul 2025 23:27:52 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/b1a242_2437768dfdfd4edcad90c252acf1ef0c~mv2.jpg/v1/fit/w_600,h_315,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Therese Tutag</dc:creator></item><item><title><![CDATA[It's baaack...1% down payment program to purchase a house!]]></title><description><![CDATA[Lender kicks in the additional 2% of down payment (up to $7,000) for a total of 3% down]]></description><link>https://www.mortgageadvisorforyou.com/post/it-s-baaack-1-down-payment-program-to-purchase-a-house</link><guid isPermaLink="false">6a6c39ea496864d77248b558</guid><pubDate>Mon, 16 Jun 2025 21:54:37 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/b1a242_81203ac5e25f49a5a75d5908d73f945d~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Therese Tutag</dc:creator></item><item><title><![CDATA[VantageScore vs. FICO: What’s the difference?]]></title><description><![CDATA[From Credit Karma: In a Nutshell  VantageScore Solutions and FICO create credit-scoring models that use consumer credit data to generate...]]></description><link>https://www.mortgageadvisorforyou.com/post/vantagescore-vs-fico-what-s-the-difference</link><guid isPermaLink="false">6a6c39ea496864d77248b541</guid><pubDate>Thu, 22 May 2025 22:48:06 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/b1a242_7476672d119c4f3cbac9877e1dbe3870~mv2.webp/v1/fit/w_1000,h_416,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Therese Tutag</dc:creator></item><item><title><![CDATA[Life Changes]]></title><link>https://www.mortgageadvisorforyou.com/post/life-changes</link><guid isPermaLink="false">6a6c39ea496864d77248b52f</guid><pubDate>Tue, 20 May 2025 17:23:21 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/b1a242_8874a876219549928f43d8bbf01c45b2~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Therese Tutag</dc:creator></item><item><title><![CDATA[5-19-25 Mortgage Rates Briefly Over 7% Before Mid-Day Improvement]]></title><link>https://www.mortgageadvisorforyou.com/post/5-19-25-mortgage-rates-briefly-over-7-before-mid-day-improvement</link><guid isPermaLink="false">6a6c39ea496864d77248b569</guid><pubDate>Tue, 20 May 2025 17:21:10 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/b1a242_e230498506c442c0b24591197258fdd9~mv2.jpg/v1/fit/w_600,h_315,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Therese Tutag</dc:creator></item><item><title><![CDATA[Can you qualify for a mortgage with student loan payments?]]></title><description><![CDATA[Student loans can impact your ability to get a mortgage because they can affect your  debt-to-income (DTI) ratio  and your credit score. ...]]></description><link>https://www.mortgageadvisorforyou.com/post/can-you-qualify-for-a-mortgage-with-student-loan-payments</link><guid isPermaLink="false">6a6c39ea496864d77248b568</guid><pubDate>Wed, 14 May 2025 16:10:44 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/b1a242_780fe0dd31044b6796792b0dda004af8~mv2.jpg/v1/fit/w_401,h_240,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Therese Tutag</dc:creator></item><item><title><![CDATA[Looking to Purchase or Refinance? Now could be the right time for you! Call me anytime!]]></title><description><![CDATA[Mortgage rates were already in line with the lowest levels since December 18th by last Thursday. They dropped to the best levels since...]]></description><link>https://www.mortgageadvisorforyou.com/post/looking-to-purchase-or-refinance-now-could-be-the-right-time-for-you-call-me-anytime</link><guid isPermaLink="false">6a6c39ea496864d77248b567</guid><pubDate>Mon, 24 Feb 2025 23:14:38 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/b1a242_08c8f816f47140328ef98d3898190209~mv2.jpg/v1/fit/w_600,h_315,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Therese Tutag</dc:creator></item><item><title><![CDATA[Great news for growing equity in your current home! Call me if you're thinking of doing a refinance to lower your rate or get cash out to pay off high interest credit cards and other debt! ]]></title><link>https://www.mortgageadvisorforyou.com/post/great-news-for-growing-equity-in-your-current-home-call-me-if-you-re-thinking-of-doing-a-refinance</link><guid isPermaLink="false">6a6c39ea496864d77248b566</guid><pubDate>Mon, 04 Nov 2024 17:36:48 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/b1a242_4932dda4463541a18c3b8eaa58b80393~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Therese Tutag</dc:creator></item><item><title><![CDATA[Close it Quick!]]></title><description><![CDATA[Another purchase deal closing quick! Home inspection done this past Saturday, full appraisal inspection Monday, Appraisal in over value...]]></description><link>https://www.mortgageadvisorforyou.com/post/close-it-quick</link><guid isPermaLink="false">6a6c39ea496864d77248b540</guid><pubDate>Fri, 01 Nov 2024 20:40:20 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/b1a242_51d4507e5f65410895f9d36902d8be3d~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Therese Tutag</dc:creator></item><item><title><![CDATA[Economic Data Keeping Pressure on Mortgage Rates]]></title><description><![CDATA[The jobs report that came out at the beginning of October was a big wake up call for interest rates .  Up until then, the prevailing...]]></description><link>https://www.mortgageadvisorforyou.com/post/economic-data-keeping-pressure-on-mortgage-rates</link><guid isPermaLink="false">6a6c39ea496864d77248b53f</guid><pubDate>Thu, 31 Oct 2024 01:25:24 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/b1a242_27eaf108d7ba46d39304470d813570f5~mv2.jpg/v1/fit/w_320,h_240,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Therese Tutag</dc:creator></item><item><title><![CDATA[Typical U.S. homeowner gains some $28,000 in equity year over year]]></title><description><![CDATA[Homeowners with mortgages saw their equity increase by a total of $1.5 trillion year over year during the first quarter of 2024,...]]></description><link>https://www.mortgageadvisorforyou.com/post/typical-u-s-homeowner-gains-some-28-000-in-equity-year-over-year</link><guid isPermaLink="false">6a6c39ea496864d77248b565</guid><pubDate>Wed, 12 Jun 2024 14:17:06 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/b1a242_30ae96534a85459ba4f00ef05736d83f~mv2.jpg/v1/fit/w_628,h_353,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Therese Tutag</dc:creator></item><item><title><![CDATA[Home price per square foot jumps by almost 60% over past five years]]></title><description><![CDATA[Realtor.com: Homeowners benefit as per-square-foot appreciation more than doubles inflation According to housing figures from...]]></description><link>https://www.mortgageadvisorforyou.com/post/home-price-per-square-foot-jumps-by-almost-60-over-past-five-years</link><guid isPermaLink="false">6a6c39ea496864d77248b53e</guid><pubDate>Fri, 07 Jun 2024 23:56:54 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/b1a242_caa6cab2db7449248ea557ed380dd2fd~mv2.png/v1/fit/w_1000,h_628,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Therese Tutag</dc:creator></item><item><title><![CDATA[What is Earnest Money and How Does it Work?]]></title><description><![CDATA[When you buy a home, there are several upfront costs to consider beyond your monthly mortgage payment. Typically, the largest of these...]]></description><link>https://www.mortgageadvisorforyou.com/post/what-is-earnest-money-and-how-does-it-work</link><guid isPermaLink="false">6a6c39ea496864d77248b557</guid><pubDate>Thu, 09 May 2024 16:58:35 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/b1a242_d8682564afd34a0193d863c0f4b66210~mv2.webp/v1/fit/w_640,h_480,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Therese Tutag</dc:creator></item></channel></rss>