Mortgage Blog

The NAR Settlement Changes Everything: What Realtors and Loan Officers Must Explain to Buyers in 2026

January 25, 2026 | Posted by: New Horizons Lending

The NAR Settlement Changes Everything: What Realtors and Loan Officers Must Explain to Buyers in 2026 If you are buying a home in 2026, the real estate process you heard about from friends a few ye ...

Jobs Report vs CPI, Which One Moves Mortgage Rates More for Homeowners?

January 13, 2026 | Posted by: New Horizons Lending

If you follow mortgage rate headlines, you have probably noticed something confusing. Some days rates move after an inflation report. Other days they shift after a jobs report, even when the Federal R ...

Why Homes Are Still Expensive Even as Inflation Eases

December 23, 2025 | Posted by: New Horizons Lending

Many U.S. homeowners and buyers expected housing costs to come down once inflation started to cool. Instead, home prices and monthly payments remain stubbornly high across much of the country. This di ...

Fed Rate Cuts, Why Mortgage Rates Are Not Falling Faster

December 15, 2025 | Posted by: New Horizons Lending

When the Federal Reserve announces a rate cut, homeowners naturally expect mortgage rates to drop right away. Headlines often make it sound simple, the Fed cuts rates, borrowing gets cheaper, and mont ...

Dec 10-2025 - Federal Reserve issues FOMC statement

December 10, 2025 | Posted by: New Horizons Lending

Available indicators suggest that economic activity has been expanding at a ...

50-Year Mortgages? Here’s What You Need to Know

November 11, 2025 | Posted by: New Horizons Lending

The Trump administration says it’s exploring 50-year mortgage options to help with affordability. Learn what this could mean for homebuyers, monthly payments, and long-term costs. A New Idea: 5 ...

Fannie Mae’s Big Update: You May Qualify Even With a Credit Score Below 620

November 8, 2025 | Posted by: New Horizons Lending

Fannie Mae’s new credit score policy lets lenders use automated approvals even for borrowers below 620. Here’s what that means for homebuyers who thought they couldn’t qualify. What ...

What’s Going On With Mortgage Rates? (Explain-It-to-a-5th-Grader Version)

November 6, 2025 | Posted by: New Horizons Lending

Mortgage rates dipped, then jumped after the Fed’s cut. A $15B corporate bond sale and stronger economic reports added pressure. Here’s the simple, kid-level way to understand what’s ...

What Documents Do You Need for a Self-Employed Mortgage in Texas?

November 3, 2025 | Posted by: New Horizons Lending

Wondering what paperwork you need for a self-employed mortgage in Texas? This guide breaks down the exact documents to help you get started with confidence. What Documents Do You Need for a Self-Empl ...

What Is the Minimum Credit Score for TSAHC in Texas?

October 31, 2025 | Posted by: New Horizons Lending

Learn about income limits, education requirements, and how TSAHC grants or deferred loans can help you buy a home with New Horizons Lending What Is the Minimum Credit Score for TSAHC in Texas? If yo ...

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