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Plain-English articles on loan programs, buying a home, refinancing, and home equity, so you can walk into your next conversation with a lender knowing the basics.
Written by Jerry Kindig, licensed mortgage broker, NMLS #2397823.
Jerry L Kindig IIIThe Fed held rates steady on Oct 28, 2026, and mortgage rates barely moved. Here is why, what it means for HELOCs, and what to do if you are buying or refinancing.
Jerry L Kindig IIISee how a 2-1 buydown lowers your mortgage payment for the first two years, who pays for it, how the savings work, and when it makes sense.
Jerry L Kindig IIIThe Fed decides today. Here's what a rate lock does, why Fed day can move rates, what waiting could cost, and when I'd lock vs. float.
Jerry L Kindig IIILearn how lenders calculate real home affordability using debt-to-income ratio, with a worked example, step-by-step process, and free rate check.
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Articles are general education, not a loan offer or commitment. All loans are subject to approval.
Articles explain the basics. For your situation, talk with a licensed loan officer or compare options yourself.
Jerry Kindig, a licensed mortgage broker (NMLS #2397823) with Pick My Mortgage Rate, powered by Loan Factory (NMLS #320841).
No. Articles are general education about mortgages. They are not a loan offer, a rate quote, or a commitment to lend. All loans are subject to approval, and your options depend on your situation.
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Yes. Call or text (480) 526-4505, email [email protected], or use the contact page, and a licensed loan officer will follow up.