The Fed Just Raised Rates and Here Is What That Actually Means for Your Mortgage Payment
Published on: 05/10/2026
Fed controls bank lending rates not your mortgage. John Zialcita explains what really drives your 30-year rate and what to do.
Should You Wait for Lower Mortgage Rates Before Buying and Here Is What That Decision Actually Costs
Published on: 05/10/2026
Rate drops bring more buyers and higher prices. John Zialcita breaks down why waiting is a bet not a strategy right now.
You Do Not Need 20 Percent Down to Buy a Home and This Belief Is Keeping Too Many Buyers Waiting
Published on: 01/09/2026
Loan programs, DPA, seller concessions reduce upfront costs. John Zialcita explains your real down payment options.
Should You Buy Now or Wait for Mortgage Rates to Drop and Here Is the Honest Answer
Published on: 01/09/2026
Lower rates bring more buyers and higher prices. John Zialcita explains why timing beats rate chasing now.
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