Recent Articles
Fed Rate Cut (Dec 2025): What It Means for Mortgage Rates & Homebuyers
With the Federal Reserve’s latest rate cut at the December 2025 FOMC meeting, interest rates today have shifted — making refinancing or homebuying more attractive. Here’s what buyers and homeowners should know about the potential impact on mortgage rates and how to take advantage.
Published on 12/10/2025
Current Mortgage Rates: What Homebuyers Should Know in Today’s Market
Mortgage rates continue to shift with economic trends, inflation, and Federal Reserve policy. This guide explains today’s current mortgage rate environment, what affects pricing, and how borrowers can position themselves for better terms when financing a home.
Published on 12/10/2025
The Complete Guide to the 80/10/10 Mortgage (Piggyback Loan)
The 80/10/10 mortgage is a powerful financing strategy that helps buyers avoid PMI, reduce down payment requirements, and increase affordability. Here’s how the piggyback loan works and when it makes the most financial sense.
Published on 12/10/2025
Fed Cuts Again, But Dot Plot Steers Mortgage Rate Outlook
The Fed cut rates by 0.25% and ended quantitative tightening, but the real story for the average 30-year fixed is in the dot plot and Powell’s comments. Here’s what that means for mortgage rates and homebuyers.
Published on 12/10/2025
Down Payment Requirements & PMI Explained: How Much You Need for a Primary Home, Second Home, or Investment Property
Understanding down payment requirements and mortgage insurance can save homebuyers thousands. Here’s what to know about PMI rules for primary residences, second homes, and investment properties—plus strategies to avoid or reduce PMI when financing your next home.
Published on 12/09/2025
This Week in Mortgage Rates: Buyers Are Back as Rates Hover in the Low 6s
Mortgage rates bounced around but stayed in a tight range near the low 6% area this week, while purchase applications hit their highest level since early 2023 and refinance demand more than doubled compared to last year. Here’s what that means if you’re thinking about buying or refinancing.
Published on 12/06/2025
Why Home Loans from Mojave River Mortgage Are Faster, Easier & Cheaper Than The Competition
Mojave River Mortgage delivers faster, easier, and more affordable home loans than big banks or online lenders. With shorter escrow durations, stronger offer acceptance rates, and lower lock-period pricing, our clients close smoothly and save money. Learn how our refinance benefits also make us the top choice for homeowners looking to lower payments or tap equity.
Published on 12/04/2025
Stronger Data Last Week Caused a Slight Rate Bump
Stronger jobless-claims and durable-goods data from last week pushed the average 30-year fixed slightly higher, but mortgage rates are still near recent lows. Here’s what that means for buyers and homeowners
Published on 12/01/2025
What Today’s Jobs Report Means for Mortgage Rates
Mortgage rates held steady after a mixed jobs report, with unemployment rising and job growth coming in stronger than expected. Learn what this means for homebuyers and what to watch next.
Published on 11/21/2025
50-Year Mortgages? Here’s What You Need to Know
The Trump administration says it’s exploring 50-year mortgage options to help with affordability. Learn what this could mean for homebuyers, monthly payments, and long-term costs.
Published on 11/11/2025
Fannie Mae’s Big Update: You May Qualify Even With a Credit Score Below 620
Fannie Mae’s new credit score policy lets lenders use automated approvals even for borrowers below 620. Here’s what that means for homebuyers who thought they couldn’t qualify.
Published on 11/08/2025
What’s Going On With Mortgage Rates? (Explain-It-to-a-5th-Grader Version)
Mortgage rates dipped, then jumped after the Fed’s cut. A $15B corporate bond sale and stronger economic reports added pressure. Here’s the simple, kid-level way to understand what’s happening and what it means for buyers.
Published on 11/06/2025
Mortgage Rates Jump After the Fed’s Rate Cut — Here’s Why
The Federal Reserve cut rates again, but mortgage rates actually rose. Learn why this happens, what Powell said, and what it means for homebuyers.
Published on 10/29/2025
Mortgage Rates Are Falling — What It Means for Homebuyers and Refinancers (October 23, 2025)
Mortgage rates have begun to drop, dropping into the mid-6 % range and sparking renewed interest among both homebuyers and homeowners thinking of refinancing. At Mojave River Mortgage we’re tracking what’s behind the decline, what it means for you, and how to act while conditions remain favorable.
Published on 10/24/2025
Mortgage Rates Hold Near Yearly Lows as Market Awaits Next Data
The average 30-year fixed mortgage rate is hovering near 3-year lows as bond markets hold steady amid limited economic data. Learn why rates remain low and what could move them next.
Published on 10/22/2025
Gen Z and the Dream of Homeownership: Adapting to a Challenging Market
A new Realtor.com survey reveals that 1 in 5 Gen Z adults say housing affordability is their top life concern. Learn how young buyers are adapting, saving, and staying determined to achieve homeownership.
Published on 10/15/2025
Mortgage Rates Tick Up Slightly as Bonds Weaken and MBS Underperform
On October 9, 2025, the average 30-year fixed mortgage rate edged slightly higher to 6.38% after a weaker 30-year Treasury auction and mild MBS underperformance. Rates remain stable within a narrow range as the government shutdown continues.
Published on 10/10/2025
Mortgage Rates Holds Steady After Weak Jobs Report
On October 1, 2025, the average 30-year fixed mortgage rate held at 6.37% after weak private payroll data. Bigger shifts may follow when the delayed government jobs report is released.
Published on 10/01/2025
3 Reasons Home Affordability Is Improving This Fall
Affordability is finally improving this fall thanks to lower average 30-year fixed mortgage rates, slower home price growth, and rising wages. Learn why now could be the right time to buy.
Published on 09/26/2025
Mortgage Rates Hit Yearly Lows—Then Jump After the Fed Cut. Here’s What Happened (and Why Applications Just Surged)
After touching yearly lows early in the week, the average 30-year fixed rose following the Fed’s rate cut—thanks to the dot plot and Powell’s comments. Still, mortgage applications just saw their biggest weekly jump since 2021 as homeowners reacted to earlier rate declines. Here’s what it means for buyers and homeowners.
Published on 09/19/2025