Recent Articles
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