The LuxeRates GuideMortgage advice, market updates and home-buying tips from LuxeRates, LLC.https://luxerates.com/en-usReverse Mortgages: Unlocking the Equity in Your Home—Without Sellinghttps://luxerates.com/guide/reverse-mortgages-unlocking-the-equity-in-your-home-without-selling/https://luxerates.com/guide/reverse-mortgages-unlocking-the-equity-in-your-home-without-selling/For many homeowners, a large portion of their wealth is tied up in their home.Thu, 23 Apr 2026 08:41:06 GMTfinancemortgagetipsDSCR Loans Explained: A Smarter Way to Finance Investment Propertieshttps://luxerates.com/guide/dscr-loans-explained-a-smarter-way-to-finance-investment-properties/https://luxerates.com/guide/dscr-loans-explained-a-smarter-way-to-finance-investment-properties/If you’re looking to grow your real estate portfolio—or even purchase your first investment property—you’ve likely run into one major hurdle: qualifying for…Tue, 07 Apr 2026 11:19:17 GMTmortgageConsumers Save $10,662 Working With a Mortgage Brokerhttps://luxerates.com/guide/consumers-save-10662-working-with-a-mortgage-broker/https://luxerates.com/guide/consumers-save-10662-working-with-a-mortgage-broker/A recent study by Polygon Research, supported by Willow Canyon Advisors and United Wholesale Mortgage (UWM), reveals that consumers save an average of…Wed, 28 Aug 2024 14:26:01 GMTfinanceinterest-ratesmortgageMajor Changes in Real Estate Industry: National Association of Realtors Settles Commission Lawsuitshttps://luxerates.com/guide/major-changes-in-real-estate-industry-national-association-of-realtors-settles-commission-lawsuits/https://luxerates.com/guide/major-changes-in-real-estate-industry-national-association-of-realtors-settles-commission-lawsuits/The real estate landscape in the United States is on the brink of significant transformation as the National Association of Realtors (NAR) recently agreed…Fri, 15 Mar 2024 13:26:03 GMTfirst-time-home-buyernarreal-estateNew FHA Program Offers Temporary Mortgage Relief Amid Rising Interest Rateshttps://luxerates.com/guide/new-fha-program-offers-temporary-mortgage-relief-amid-rising-interest-rates/https://luxerates.com/guide/new-fha-program-offers-temporary-mortgage-relief-amid-rising-interest-rates/The Federal Housing Administration (FHA) has introduced a new initiative known as the Payment Supplement program aimed at assisting struggling borrowers by…Thu, 22 Feb 2024 10:10:20 GMTfhainterest-ratesmortgageInvestors scooping up low priced homeshttps://luxerates.com/guide/investors-scooping-up-low-priced-homes/https://luxerates.com/guide/investors-scooping-up-low-priced-homes/Investors are increasingly scooping up low-priced homes, according to a new report from Redfin.Thu, 15 Feb 2024 11:03:20 GMTmortgageFact-checking the confusion around changes to mortgage fees based on credit scoreshttps://luxerates.com/guide/fact-checking-the-confusion-around-changes-to-mortgage-fees-based-on-credit-scores/https://luxerates.com/guide/fact-checking-the-confusion-around-changes-to-mortgage-fees-based-on-credit-scores/A change to Loan Level Price Adjustments (LLPAs) by Fannie Mae and Freddie Mac in January 2023 has caused confusion among borrowers.Tue, 25 Apr 2023 09:00:53 GMTfinancefirst-time-home-buyermortgagetipsThe U.S. housing market will continue to be impacted by 3% mortgage rates as homeowners are unwilling to sell and lose their low rates.https://luxerates.com/guide/the-u-s-housing-market-will-continue-to-be-impacted-by-3-mortgage-rates-as-homeowners-are-unwilling-to-sell-and-lose-their-low-rates/https://luxerates.com/guide/the-u-s-housing-market-will-continue-to-be-impacted-by-3-mortgage-rates-as-homeowners-are-unwilling-to-sell-and-lose-their-low-rates/The US housing market is being impacted by higher mortgage rates and a lock-in effect, which is constraining both buyers and sellers.Fri, 03 Mar 2023 08:51:18 GMTfinanceinflationmortgageFHA Loans Are Getting Cheaperhttps://luxerates.com/guide/fha-loans-are-getting-cheaper/https://luxerates.com/guide/fha-loans-are-getting-cheaper/It has been announced that the annual mortgage insurance premium will be reduced by 0.30 percentage points, from 0.85% to 0.55% for most new borrowers,…Wed, 22 Feb 2023 09:03:06 GMTfhafirst-time-home-buyermortgageTips to Help Improve Your Credit Scorehttps://luxerates.com/guide/tips-to-help-improve-your-credit-score/https://luxerates.com/guide/tips-to-help-improve-your-credit-score/Here are some basic tips that can help improve your credit score: Remember, improving your credit score takes time and effort.Mon, 20 Feb 2023 06:30:00 GMTmortgagetipsInflation remains too highhttps://luxerates.com/guide/inflation-remains-too-high/https://luxerates.com/guide/inflation-remains-too-high/The Federal Reserve aims to maintain an annual inflation rate of approximately 2% at the core level, which is an economic measure that excludes volatile…Wed, 15 Feb 2023 10:41:53 GMTconsumer-price-indexinflationPros and Cons of a Temporary Interest Rate Buydownhttps://luxerates.com/guide/pros-and-cons-of-a-temporary-interest-rate-buydown/https://luxerates.com/guide/pros-and-cons-of-a-temporary-interest-rate-buydown/A temporary interest rate buydown is a type of financing option where a homebuyer pays an up-front fee to lower the interest rate on their mortgage loan for…Mon, 13 Feb 2023 06:30:00 GMTmortgagepros-and-constipsSteps for purchasing a homehttps://luxerates.com/guide/steps-for-purchasing-a-home/https://luxerates.com/guide/steps-for-purchasing-a-home/Purchasing a home is one of the biggest investments you’ll ever make, and the process can be overwhelming.Fri, 10 Feb 2023 13:20:45 GMTfirst-time-home-buyermortgagetipsDo’s and Don’tshttps://luxerates.com/guide/dos-and-donts/https://luxerates.com/guide/dos-and-donts/Obtaining a mortgage is a very thorough process.Tue, 10 Jan 2023 14:18:45 GMTfirst-time-home-buyermortgagetips