Understanding the role of your credit score is paramount in the journey to homeownership. It's the linchpin that can either smooth the path or create hurdles when seeking a mortgage. At Refined Lending powered by Luminate Home Loans, we recognize…
The National Association of Realtors announced a change in how REALTORS are compensated that could significantly impact the real estate landscape as you know it. Understanding how these changes impact you as a homebuyer and/or as a real estate agent…
In the midst of today's real estate environment, the dream of owning a home seems more challenging than ever, largely due to a notable shortage of available homes. With concerns about high interest rates and memories of past financial uncertainties,…
In the current housing landscape, marked by low inventory and fierce competition, securing a home has become more challenging than ever. At Refined Lending, we understand the hurdles that prospective homeowners face, from bidding wars to the increasing prevalence of…
In a world where financial forecasts can turn the tide of investment strategies, Goldman Sachs' recent projection for U.S. home prices sends ripples of opportunity for savvy homebuyers. With the revered "U.S. economic analysts" team at Goldman Sachs pointing to…
For decades, the idea of owning a home has been a way of considering building up net worth and gaining financial growth and security. With the continuing and consistent rise of home values over the years, we can all take…
In today's fast-paced, ever-changing real estate marketplace, moving homes without the immediate need to sell an existing residence provides an unmatched level of flexibility and strategic advantage to the process. In an environment where the movement of interest rates and…
If you're waiting for mortgage rates to come down, you want to be paying attention to what is happening with inflation and the economy. Unfortunately, figuring out where the economy is heading in 2024 is not an easy task. We've…
Constantly changing headlines and predictions are already making the 2024 housing market extremely challenging to navigate. Unfortunately, the number of misconceptions about buying, selling, and owning a home has never been higher. According to Fannie Mae’s most recent Home Purchase Sentiment…
There are a few really important numbers when it’s time to obtain a home loan: your credit score, the amount you want to borrow, and the interest rate. The news is full of talk about interest rates lately. Will they…
