Qualifying For A Home
Qualifying for a Home: The Basics | Efinity Living Prosper · Financial Living Qualifying for a Home: The Basics Before you can shop for a house with any real confidence, it helps to know what a lender is actually looking at — and why. For most first-time buyers, “qualifying” feels like a mysterious pass/fail moment […]
Repositioning Your Finances
Refinance Isn’t About Rates — It’s About Repositioning Your Finances | Prosper | Efinity Living Prosper · Financial Empowerment Refinance Isn’t About Rates — It’s About Repositioning Your Finances If you’re waiting for the perfect rate to refinance, you might be missing the bigger opportunity. Most people think refinancing only makes sense when rates drop. […]
Market Update: September 9th
Signal: Oil, Iran, and Why Mortgage Rates Just Hit a 15-Month High 10-YR Yield 4.85%↑ hi since 2023 Brent Crude $101↑ 3.4% 30-Yr Mortgage 6.85%↑ hi since Jun ’25 Sept Hike Odds ~60%↑ from ~50% Market Signal · Week of Sept 8, 2026 Oil, Iran, and why mortgage rates just hit a 15-month high Renewed […]
Timely News
Still Waiting: Why Refinance Relief Keeps Slipping Away for Homeowners In the News Still waiting: why refinance relief keeps slipping away A new CNN report follows homeowners years into the wait for lower rates — and explains why relief keeps getting pushed just out of reach. Sept 7, 2026 · Efinity Mortgage Marketing Desk When […]
EQUIP: Weekly Market Recap 8/31 – 9/5
Signal: A Hot Jobs Report Rattles the Rate Outlook 10-YR Yield 4.78%↑ 7bp 30-YR Fixed (PMMS) 6.71%↑ 5bp Aug Payrolls 162K↑ vs 53K est. Sept Hike Odds ~60%↑ 10pt Market Signal Weekly Bond & Rate Recap Week of Aug 31–Sept 4, 2026 A hot jobs report rattles the rate outlook August payrolls blew past expectations, […]
Market Update: August 31st
Signal: Rates Climb on Mideast Tensions — and the Case for Home Equity 10-YR Yield 4.75%↑ Highest since Jan ’25 WTI Crude ~$91↑ 3%+ Sept Hike Odds 57%↑ 17pt 2026 Home Price Fcst 2.5%Fannie Mae HPES Market Signal · Aug 31, 2026 Rates climb as Mideast tensions flare — and the case for home equity […]
Debt Relief Strategy
Where Your Mortgage Fits Into the Debt Conversation | Efinity Living Prosper · Financial Living Where Your Mortgage Fits Into the Debt Conversation For homeowners carrying other debt, the mortgage already on the house is sometimes part of a bigger picture worth understanding — not a quick fix, but a piece worth knowing about. Debt […]
Market Update: August 24th
Signal: Jackson Hole, a Trillion-Dollar Account, and Wednesday’s Inflation Test 10-YR Yield 4.71%↓ 2bp Core PCE YoY (Jun) 3.3%Unch. Est. May–Jun Revision −103KJobs Treasury Cash Acct ~$1TEyed for Buybacks Market Signal · Aug 24, 2026 Jackson Hole, a Trillion-Dollar Account, and Wednesday’s Inflation Test Bond markets are quiet to start the week, but three things […]
Weekly Market Recap: August 17-21, 2026
Weekly Recap: Rates Whipsaw, Home Prices Hit a 14-Month High 10-YR Yield 4.65 → 4.70%whipsawed Treasury Buyback 2xstarts Sept 9 ICE Home Prices +1.71%14-mo high Pending Home Sales -2.3%missed est. Weekly Recap · Aug 17–21, 2026 Rates whipsaw, home prices hit a 14-month high A quick look back at a week where the Treasury stepped […]
Market Update August 21st, 2026
Home Price Growth Hits a 14-Month High — Here’s What It Means for Buyers 10-YR Yield 4.696%flat vs. open PMI Forecast ~54expansion ICE Home Prices YoY 1.71%14-mo high Mortgage Bonds Lowerstocks higher Market Signal · Aug 21, 2026 Home price growth hits a 14-month high — here’s what it means for buyers Bond pricing is […]