Mortgage Blog
October 29, 2025 - Federal Reserve issues FOMC statement
October 29, 2025 | Posted by: Valorem Lending LLC
Available indicators suggest that economic activity has been expanding at a ...
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Why Now Is a Smart Time to Re-Evaluate Your Mortgage Strategy (Even if You’re Not Ready to Move)
October 20, 2025 | Posted by: Valorem Lending LLC
For many American homeowners, the mortgage conversation tends to fade into the background once the loan is closed. But in 2025, that old "set it and forget it" mindset could be costing you thousands. ...
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How Lower Rates Could Help Gig Workers Get Mortgages in 2025
October 6, 2025 | Posted by: Valorem Lending LLC
As interest rates ease somewhat from their peaks earlier in the year, the mortgage landscape in the United States is shifting. For gig workers and self-employed professionals, this shift may o ...
read moreSept 17-2025 - Federal Reserve issues FOMC statement
September 17, 2025 | Posted by: Valorem Lending LLC
Recent indicators suggest that growth of economic activity moderated in the first half of the year. Job gains have slowed, and the unemployment rate has edged up but remains low. Inflation has moved u ...
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Interest Rate Cuts: How They Can Help You and Boost the U.S. Housing Market
September 3, 2025 | Posted by: Valorem Lending LLC
When interest rates start to fall, the ripple effects touch almost every corner of the housing market. As your mortgage broker and loan officer team, we're here to unpack what rate cuts really mea ...
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Why the U.S. May Dodge Stagflation, What It Means for Your Wallet
August 19, 2025 | Posted by: Valorem Lending LLC
Did You Know? Many analysts feared a repeat of the 1970s blend of high inflation and weak growth. Recent data points tell a different story. Inflation has cooled compared with last year, job ...
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The Assumable-Mortgage Gold Rush
August 7, 2025 | Posted by: Valorem Lending LLC
Imagine locking in a mortgage rate that starts with a 3 while today's averages hover near 6.5 percent. Thanks to a surge in assumable FHA, VA, and USDA loans written during the pandemic, that o ...
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July 30 - 2025 Federal Reserve issues FOMC statement
July 30, 2025 | Posted by: Valorem Lending LLC
Although swings in net exports continue to affect the data, recent indicators suggest that growth of economic activity moderated in th ...
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Refinance in 2025? How Lower Fed Rates Affect You
July 16, 2025 | Posted by: Valorem Lending LLC
After years of rising rates and tightening budgets, the Federal Reserve has finally made its move-lowering interest rates for the first time since the pandemic-era hikes. If you're a homeowner i ...
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VantageScore 4.0 Arrives: How the New Credit Model Could Open Homeownership to 5 Million More Americans
July 9, 2025 | Posted by: Valorem Lending LLC
On July 8, 2025, the Federal Housing Finance Agency (FHFA) gave mortgage lenders an historic green-light: they may now submit loans to Fannie Mae and Freddie Mac using the VantageScore 4.0 credit ...
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