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
May Was a Frustrating Month for Anyone Waiting on Rates and Here Is What to Do Instead
One hot report moved rates fast. John Zialcita explains how to buy when the numbers make sense. ...more
Mortgage
June 10, 2026•3 min read
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