Are Adjustable-Rate Mortgages a Good Idea? What You Need to Know Before You Decide
Are Adjustable-Rate Mortgages a Good Idea? What You Need to Know Before You Decide If you’re shopping for a home loan, you’ve probably asked yourself: Are adjustable-rate mortgages a good idea? The answer depends on your financial goals, how long you plan to stay in your home, and your comfort with changing interest rates. How […]
Adjustable-Rate Mortgage (ARM) in 2025 — Should You Consider One?
What Is an Adjustable-Rate Mortgage (ARM) and Should You Consider One in 2025? If you’re exploring home financing this year, you’ve probably seen the term Adjustable-Rate Mortgage (ARM) in 2025. An ARM is a home loan with an interest rate that starts fixed, then adjusts after a set period. Most ARMs begin with a lower […]
How to Refinance to Lower Monthly Payments in Utah in 2025
Thinking about how to refinance to lower monthly payments in Utah this year? You’re not alone. With interest rates cooling from their peaks and many homeowners locked into older, higher-rate mortgages, refinancing can be a smart move — if done right. Here’s what Utah homeowners should know in 2025 to make refinancing work in their […]
Is Now a Good Time to Buy a House in Utah?
It’s the question I hear almost every week: “Is now a good time to buy a house in Utah?” And I get it — with interest rates higher than we’ve seen in years and Utah home prices that have been climbing steadily, it feels like a loaded question. But the truth? The answer depends less on […]
Mortgage Rates Hit 2025 Lows: Is Now the Time to Lock In or Wait for More Drops?
Mortgage rates 2025 have hit their lowest levels yet, giving Utah homebuyers and homeowners a unique opportunity to lock in savings or plan for refinancing. If you’ve been watching mortgage headlines lately, you’ve probably noticed the buzz: rates have dipped to their lowest levels of 2025, hovering around 6.5% for a 30-year fixed. That’s down […]
Jerome Powell Jackson Hole Mortgage Rates: Fed Signals Possible Cut in September
This morning at the Jackson Hole Symposium, Jerome Powell’s update on mortgage rates gave markets the signal they were waiting for: the Fed may be ready to cut rates at their September 17th meeting. Key Takeaways from Powell’s Jackson Hole Speech Market Reaction: Mortgage Rates Move Lower This is good news for mortgage rates. Even […]
Utah Rent vs Owning 2025 — How Buying Can Save You Money
If you’ve been following the Utah rent vs owning conversation, you’ve seen the same story repeat: rent rarely goes down. You might get a small discount when a new apartment opens, but once that lease renewal shows up, your payment almost always goes up. Forecasts for 2025 show rents climbing another 2–3% by year’s end. […]
Buy Now or Wait to Buy a Home in Utah? 2025 Market Insights
If you’re looking to buy a home in Utah and wondering whether to wait for interest rates to drop—or buy now and refinance later—you’re not alone. It’s one of the most common questions we get from first-time buyers, especially in places like Salt Lake City, Utah County, Davis County, and beyond. Let’s unpack the pros […]
How to Buy a Home in Utah with Just 1% Down
Buying a home in Utah just got a whole lot easier (and yes, we’re cheering right along with you). Thanks to an exciting new option available through Houzd Mortgage, you can now purchase a home with as little as 1% down — making homeownership more affordable and accessible for more Utah families. What Is the […]
Bridging the Gap: A New Path to Homeownership for ITIN and Non-Traditional Buyers
For many families, owning a home is a fundamental step toward stability and building a better future. But for ITIN holders and other non-traditional buyers, the road to homeownership has been filled with challenges. Take the Rodriguezes, for example. They saved diligently and managed to put down a significant down payment on their first home. […]