Home loans
Investor loans
Equity & retirement
Eligibility and availability vary by program and borrower. All loans are subject to approval.
Home / Blog
Guides · Pick My Mortgage Rate
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 IIIHELOC or cash-out refinance? A local loan officer explains how each works, when to keep your current rate, costs to compare, and how to decide.
Jerry L Kindig IIIThe Fed held rates steady on Oct 28, 2026. Here is why mortgage rates barely moved, what it means for HELOCs, and what buyers and refinancers can do next.
Leave your name, email, and phone, and we will let you know when new guides are posted.
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.
Use the blog sign-up form on this page to leave your name, email, and phone, and we will let you know when new guides are posted.
Yes. Call or text (480) 526-4505, email [email protected], or use the contact page, and a licensed loan officer will follow up.