Mortgage Rates Hit Lowest Level in Over a Year
As of January 13, 2026, mortgage rates finally moved in a meaningful direction for buyers. According to national lock data, the average 30 year fixed conventional rate is now 6.037%, the lowest level we have seen since September 2024. That is roughly a 10 basis point improvement from both last week
Why Self-Employed Buyers Get Denied (Even When They Make Good Money)
If you are self employed and have been denied for a mortgage, it usually has nothing to do with risk. It has everything to do with how income is measured. The Problem, Lenders Do Not Use Cash Flow Traditional mortgages do not care how much money hits your bank account. They care about taxable income
How Bank Statement Income Is Calculated
Personal vs Business Statements, Eligible Deposits, Transfers, and Seasonality Bank statement loans exist for one reason: traditional tax returns often understate real income for self-employed borrowers. Business owners write off expenses aggressively, which is smart for taxes but creates friction
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