Recent Articles
Mortgage Rates Near 11 Month Lows—What’s Next With the Fed?
The average 30-year fixed is holding near the lowest levels since October 2024 after a weak jobs report and cooler inflation. Here’s why—and what to watch at next week’s Fed meeting.
Published on 09/12/2025
What Is a Piggyback Loan?
A piggyback loan pairs your first mortgage with a second (fixed home-equity loan or HELOC) so you can keep your first at 80%, avoid PMI, and bypass jumbo pricing—often with less cash due at closing. Here’s how it works, who benefits, and what to watch out for.
Published on 09/05/2025
Why Mortgage Rates Move: What Every Homebuyer Should Know
Mortgage rates are holding near 10-month lows—but don’t assume they’ll stay there. Learn why rates move, what drives them, and what smart buyers and homeowners should do next.
Published on 09/03/2025
Mortgage Rates Holding Steady… For Now
After Powell's Jackson Hole speech, mortgage rates hit their lowest levels since Oct 2024. But don’t get too comfortable—more movement could be coming after Friday’s inflation data and next week's jobs report.
Published on 08/27/2025
Conventional One-Time Close Construction Loans: A Complete Guide
A Conventional One-Time Close (OTC) construction loan lets you finance your build and your permanent mortgage with a single closing. You’ll make interest-only payments during construction on the funds drawn, then the loan converts to a long-term fixed or ARM when the home is complete—no second closing. Benefits include one set of fees, extended rate-lock protection (often with float-down options), cancellable PMI above 80% LTV, and the ability to use existing lot equity toward your down payment. Get an appraisal “subject to completion,” approve your builder and plans, set a realistic draw schedule and contingency, and avoid change-order overruns. This guide covers eligibility, the step-by-step process, costs, PMI choices, and FAQs so you can decide if a conventional OTC is the right path for your new home.
Published on 08/21/2025
Lower Rates? Don’t Relax Just Yet
Mortgage rates stayed mostly flat this week, holding near 10-month lows. Here’s what happened from August 18–20 and why upcoming economic data could shake things up.
Published on 08/20/2025
Mortgage Rates at 10-Month Lows! Big Opportunity!
Mortgage rates are holding near 10-month lows after early August’s jobs report and mixed inflation data. Here’s what homebuyers and homeowners need to know.
Published on 08/14/2025
Understanding Today's Mortgage Rates: What You Need to Know
Curious about today's mortgage rates? Learn how current mortgage rates affect your monthly payments and the total cost of your home loan. Discover tips for securing the best rates with Mojave River Mortgage and get expert insights on factors influencing mortgage rates today.
Published on 08/11/2025
Rates Just Hit a 10-Month Low!
Mortgage rates just hit their lowest levels since October 2024 following a big shift in the bond market. Here’s why it matters for homebuyers and homeowners.
Published on 08/05/2025