This week’s episode of The Mortgage Porter reviews current mortgage rates and what may impact rates this short holiday week. Plus, we review recent changes to Fannie Mae’s guidelines that removes the minimum credit score requirement of 620.
If you or anyone you know are thinking about buying or refinancing a home, I am happy to help! Feel free to contact me to review your scenario.
The Mortgage Porter: Mortgage Rates for the Week of November 24, 2025
November 24, 2025 by Leave a Comment
Turned down for a Mortgage Because of Credit Scores? New Guidelines May Help You!
November 20, 2025 by Leave a Comment
Fannie Mae (conventional lending) recently changed their underwriting guidelines to no longer factor in credit scores for underwriting approval!
Before this guideline change, borrowers needed to have a mid-score of at least 620 to qualify for a conventional mortgage. Scores below 620 could mean that someone may have to opt for an FHA mortgage, which has both upfront and monthly mortgage insurance regardless of the amount of down payment or equity with the property. [Read more…]
The Mortgage Report Weekly: Mortgage Rate Update for the Week of November 17, 2025
November 17, 2025 by Leave a Comment
We (finally) have the BLS Jobs Report coming out this week. Will this impact the direction of mortgage rates if the report is for September?
Check out this and more in this week’s episode.
If you’re thinking about buying or refinancing a home, let’s talk!
Homebuyer Workshop: From Prequalification to Making an Offer
November 13, 2025 by Leave a Comment
Our homebuyer workshop series continues next month since we have the holidays upon us. This workshop will take you from getting prequalified to preapproved and pre-underwritten stages of the home buying process. [Read more…]
The Mortgage Porter: Mortgage Rates for the Week of November 10, 2025
November 10, 2025 by Leave a Comment
It’s Monday and time for the latest episode of The Mortgage Porter Weekly!
This week, we’re talking about mortgage rates trending slightly higher, no real economic news with the government shutdown and the big buzz topic in mortgage right now, the 50-year mortgage.
The 50 Year Mortgage Idea
November 10, 2025 by Leave a Comment
Over the weekend, the administration bounced the idea of having a 50-year mortgage. This was followed up by the FHFA director, Bill Pulte, stating that they are working on a plan. The reactions to this announcement are across the board with some embracing it as the miracle that will help create more affordability to others viewing it as a subprime product. Mortgage originators have been quick to post rates comparing 50-year amortized mortgages to what may be available with a 30-year. Even if this product becomes available, in my opinion, it’s highly unlikely a 50-year amortized mortgage will have the same rate as a 30-year fixed. Just look at how mortgage rates are priced when you compare a 30-year to a 15-year amortized mortgage. Click here for current mortgage rates for your personal scenario. [Read more…]
Homebuyer Workshop: Qualifying for a Mortgage – Your Job, Money and Debts
November 4, 2025 by Leave a Comment
Wondering how lenders decide how much home you can afford?
Join me for the next session in my First-Time Homebuyer Workshop series where we’ll break down:
- How your income and job history factor into qualifying
- How your income and job history factor into qualifying
- What debts matter most (and which ones don’t)
- Strategies to improve your debt-to-income ratio
- Real examples of how different loan programs view qualifying
Date: Wednesday, November 12, 2025
Time: 12:00 – 1:00 pm (Lunch & Learn)
Where: Free Zoom Webinar — cameras off, learning on!
RSVP at www.mortgageporter.com/education
Attendees get access to an online dashboard with recordings of all past workshops, including sessions on credit and down payment strategies.
Let’s make sure you’re fully prepared to qualify with confidence!
The Mortgage Porter Weekly: November 3, 2025
November 3, 2025 by Leave a Comment
How are mortgage rates doing following the Fed rate drop last week and what’s on the calendar this week that could influence the direction of mortgage rates? Check out my latest episode of The Mortgage Porter!
If you would like to see current rates based on your personal financial scenario, I’m happy to provide you with a no-hassle mortgage interest rate quote!
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