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. […]
No savings? No problem. The new Dynamite Program changes everything.
If you’ve been waiting until you “save enough” to buy a home—stop waiting. The Dynamite Program just launched, and it’s flipping the script for buyers who don’t have cash sitting in the bank. Here’s what makes it different: it gives you 3.5% toward your down payment as a gift, not a loan. You don’t repay […]
Is Refinancing Still Worth It with Today’s Rates?
Most people think refinancing only makes sense when interest rates are low. That’s because they’re focused on the wrong thing. The rate isn’t the problem—cash flow is the problem. The truth is, refinancing can still be one of the smartest financial moves you make, even at a higher rate, if it helps you eliminate bad […]
Lock In Today’s Price, Get Tomorrow’s Rate
How Houzd Mortgage Helps You Win in Any Market In today’s ever-shifting housing market, potential homebuyers face the unique decision of when to take the plunge. The Federal Reserve has recently reduced the Fed funds rate by an additional 0.25% in November, setting the stage for future likely decreases in mortgage rates. For buyers, this trend points to an important opportunity: buy now […]
Is Now the Time to Refinance?
For many homeowners, the dream of owning a home can come with an unexpected burden : the feeling of being “house poor.” That’s exactly where the Johnson family found themselves just two years after buying their house. While they were making their mortgage payments, the financial strain left little room for anything extra. Monthly budgets […]
Paying Off Your Mortgage Faster: How Refinancing to a Shorter Loan Term Can Save You Thousands
For homeowners eager to pay off their mortgage sooner and save on interest, refinancing to a shorter loan term can be a game-changer. Whether you want to become debt-free faster or save significantly on the overall cost of your loan, switching from a 30-year mortgage to a 15- or 20-year mortgage offers a powerful financial […]