Your Mortgage Is Not the Enemy: How to Use Debt as a Strategic Financial Tool

Your Mortgage Is Not the Enemy: How to Use Debt as a Strategic Financial Tool

One of the biggest mistakes homeowners make is focusing only on the interest rate. Rates matter — but they’re only one piece of the puzzle. Things like liquidity, future plans, and how your cash could work elsewhere often get ignored.

Read More
Mortgage Rates vs. The Fed Funds Rate: What Really Moves the Market

Mortgage Rates vs. The Fed Funds Rate: What Really Moves the Market

Every time the Federal Reserve announces a rate change, the assumption is simple: mortgage rates will move the same way. Fed cuts mean lower rates. Fed hikes mean higher rates.

The truth? Mortgage rates and the Fed Funds Rate live in different worlds.

Read More