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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 IIIThinking of waiting for lower mortgage rates? A mortgage broker explains what waiting really costs, what today's market offers buyers, and when to hold off.
Jerry L Kindig IIIThe October jobs report drops Friday, Nov 6. A local loan officer explains how jobs data moves mortgage rates and how to think about locking or floating.
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.
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.
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.