Buying a home is one of the most important financial decisions most people will ever make. From the time you first consider a mortgage to the day you get the keys, the experience can be overwhelming — especially if you don’t know the process. Over the years I’ve worked with countless buyers, I’ve learned something simple but critical: the people you choose to work with matter just as much as the numbers on the loan. A great Loan Officer (LO) can help steer you in the right direction right...

Rocket Mortgage is currently facing a high-profile class-action lawsuit alleging violations of federal lending and consumer protection laws. While the case is still in its early stages and allegations remain unproven, it has sparked an important conversation about mortgage steering, transparency, and borrower choice — topics that directly affect homebuyers across the country. As a loan officer, I believe this case deserves attention not just because of who is involved, but because of what it...

When New Jersey buyers hear headlines about mortgage rates, it’s easy to assume today’s market is unusually difficult. But when you step back and look at the data, a more helpful picture emerges. The chart above shows the average U.S. 30-year fixed mortgage rate over the past 20 years . While rates have moved significantly during that time, one thing is clear: mortgage rates are cyclical—and perspective matters. A Long-Term Look at Mortgage Rates in New Jersey Over the past two decades,...