Why Mortgage Rates Started Climbing Again After Finally Coming Down and What to Do About It Now
Middle East tensions push oil and rates higher. John Zialcita explains why your estimate may have changed. ...more
Mortgage
August 11, 2026•2 min read
The 50 Year Mortgage Is Not Available Yet and Here Is What Buyers Should Be Focused on Right Now
50-year mortgage discussed but not available. John Zialcita explains the tradeoffs and what to use now. ...more
Mortgage
August 04, 2026•3 min read
More Homes Are Hitting the Market and Buyers Finally Have More Leverage Than They Have Had in Years
Rising inventory, price cuts, seller concessions available. John Zialcita explains why now is worth a look. ...more
Mortgage
August 04, 2026•2 min read
Most Economists Are Not Expecting a 2008 Style Crash and Here Is What Smart Buyers Are Doing Instead
Strong equity, low foreclosures, no crash expected. John Zialcita explains why waiting may cost you more. ...more
Mortgage
August 04, 2026•3 min read
Stop Trying to Predict Rates and Start Using the Negotiating Power You Actually Have Right Now
Higher for longer signal after June Fed meeting. John Zialcita explains why buying now makes sense. ...more
Mortgage
July 03, 2026•3 min read
76 Percent of Buyers Now Trust AI to Shop Their Mortgage and Here Is What the Data Actually Means
AI shops fast but misses nuance. John Zialcita explains why combining AI and a loan officer wins. ...more
Mortgage
July 02, 2026•3 min read
New Credit Scoring Models Are Now Allowed for Mortgages and Here Is What That Means for Buyers
VantageScore 4.0 counts rent and utility payments. John Zialcita explains who benefits and how much. ...more
Mortgage
July 02, 2026•3 min read
Why the Iran Conflict Pushed Mortgage Rates to 6.75 Percent and Why They Are Starting to Come Down
Oil drop reopens shipping routes and rates ease. John Zialcita explains the chain reaction behind rates. ...more
Mortgage
July 02, 2026•3 min read
Adjustable Rate Mortgages Can Save You Money but Only if You Understand What You Are Signing
Lower payment now, risk later. John Zialcita explains when ARMs make sense and when they do not. ...more
Mortgage
June 10, 2026•4 min read
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