We are going on 14 days with the government shutdown. How does the shutdown impact obtaining a mortgage for a purchase or a refi? Is it impacting mortgage rates? Check out the latest episode of The Mortgage Porter.
Mortgage Rates for the Week of October 13, 2025
October 14, 2025 by Leave a Comment
Your Credit and Buying a Home Workshop: Homebuyers Workshop Series
October 2, 2025 by Leave a Comment
Our first workshop was a lot of fun, and we covered quite a bit – if you would like access to “Getting Started with Homeownership” please reach out to me.
Our next workshop is focused on your credit and how it impacts buying a home. This is the second workshop in our homebuying series that takes place over the lunch-hour so you can grab a computer and some lunch while you learn more about credit. Frankly, this topic is important even if you’re not buying a home. Our credit scores impact many other aspects of our lives from credit card rates to auto loans or insurance.
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- WHEN: Wednesday, October 15, 2025 from 12:00 – 1:00 pm
- WHERE: Online via Zoom (you’ll need to register for a free Zoom account if you don’t already have one).
- COST: FREE!
- REGISTER: www.mortgageporter.com/education or scan the QR code above.
Questions? Please reach out to me.
I hope to see you then!
Trigger Leads BANNED!
September 8, 2025 by Leave a Comment
Last Friday, something I have been writing about for years finally happened. Trigger leads have been banned!
The bipartisan Homebuyers Privacy Protection Act (H.R. 2808) is now official. The law doesn’t go into effect until March of next year… so unless you protect yourself and opt-out of being harassed by strange loan officers or I mean, loan officers who are strangers, you will still feel very popular after having your credit pulled.
Honestly, even after this goes into effect, I still recommend protecting your credit by following these steps.
Of course, if you’re thinking about buying or refinancing your home, I am happy to help you!
A Win for Borrower Privacy: What the New Trigger Leads Bill Means for You
August 20, 2025 by Leave a Comment
I’m excited to share some important and timely news that’s poised to make your homebuying experience smoother, less stressful, and more private. If you’re a long time reader of The Mortgage Porter, you know that I have a huge beef with trigger leads with the articles I’ve written. Let me break down the latest developments around the Homebuyers Privacy Protection Act (H.R. 2808)—also known as the “Trigger Leads” bill—and explain exactly what it means for you. [Read more…]
Why and How to Freeze Your Credit
March 8, 2025 by Leave a Comment
In today’s digital world, protecting your personal and financial information is more important than ever. One of the most effective ways to safeguard yourself against identity theft and fraudulent activity is by freezing your credit. Whether you’re applying for a mortgage, planning a big financial move, or simply want to enhance your financial security, understanding how and why to freeze your credit can be a crucial step.
Why Should You Freeze Your Credit?
Options for Buying a Starter Home
January 22, 2025 by Leave a Comment
Buying your first home is such an exciting and important time of your life. It’s a big step in creating financial freedom for your future. First homes are often referred to as a “starter home” as people tend to live in the home for a shorter period of time and use the equity they gain from appreciation and paying down the mortgage towards buying their next home. [Read more…]
Holiday Hangover – Did You Overspend this Season?
December 27, 2024 by Leave a Comment
Twas the season of spending with American’s splurging over $1100 on gifts this holiday season. Credit card interest rates average around 24% with some department store cards pushing 30%; making it very difficult for some to pay off the debt.
Lendingtree reports that 42% of those who charged holiday gifts regret adding to their debts.
If you’re feeling a bit of a financial hangover from the holidays, you can take some steps to help ease the headache of credit card debts. [Read more…]
PSA: Check Your Credit Card Interest Rates
October 18, 2024 by Leave a Comment
I just received a notice from a local department store that they are INCREASING my interest rate from 24% to 31%! I’m a bit befuddled since the Fed recently lowered the funds rate by 0.50 and I pay off my account monthly. My credit is excellent. I decided to call the 1-800 number on the notice and was told this is an increase “across the board” and they do not have a lower rate to offer me. I enjoy receiving my benefits from using the card and even though I rarely pay interest as the bill is typically paid off every month, I can’t support this rate. I asked if there was anything I could do and she informed me that I have no options…except to no longer use this card. [Read more…]
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