You’ve spent years making your house feel like home, celebrating milestones, making each room your own, and turning neighbors into friends. As you look ahead to the next chapter of your life, it’s natural to wonder if this is still the place you want to spend it. Whether you’re leaning toward staying in your house… Read more
You’ve probably heard the Federal Reserve (the Fed) is raising rates again. And if you’re planning to buy or sell a house, you may be wondering what that means for you. With all the headlines, it’s easy to think the Fed sets mortgage rates. That’s actually a common myth. But the Fed’s decisions can still… Read more
For a lot of first-time buyers, owning a home can feel perpetually a few years out of reach. Saving for a down payment takes time, and each year you spend renting can make owning feel further off. But buying your first home doesn’t have to happen to feel like a far away goal. Two choices… Read more
Higher mortgage rates don’t just affect buyers. They can change what it takes to sell your house, too. That’s because today’s buyers are paying close attention to affordability. And when rates rise, even a relatively small change can make a noticeable difference in their monthly payment. So, they’re looking for ways to make the numbers… Read more
Half the buyers out there are scared home prices are about to crash. The other half are hoping they will. A recent survey from Clever found 58% of Gen Z buyers are actually rooting for a crash, just so homeownership feels within reach. So, what do the forecasts actually say? Every quarter, Fannie Mae surveys… Read more
You may have seen the headlines saying mortgage rates have climbed to the highest point since January 2025. And if that’s left you reluctant to buy a home, here’s what you need to remember… That’s not necessarily the number you’d get. It’s a common misconception that the rate you see in the headlines is the… Read more
Price cuts are turning up everywhere right now, and they read very differently depending on which side of the deal you’re on. Sellers tend to worry a cut means walking away with less than they hoped. Sometimes that’s true, but more often it just means the market moved faster than the listing did. Buyers, for… Read more
Today’s housing market splits into four distinct types. You’ve got cash buyers, buyers financing a purchase, owners who feel locked into a low rate, and builders with homes to sell. Which type you’re in changes how you should buy or sell. Ryan Serhant, CEO of SERHANT agrees: “There is no longer a housing market …. Read more
If you’re trying to buy a home, affordability is probably what keeps you up at night. And as you watch mortgage rates tick up again lately, it’s fair to wonder if you should just hit pause and wait for them to go down. For now, though, they’re headed the other way. Mortgage News Daily data… Read more
Selling your house this fall is absolutely doable. But there’s something you need to know about this time of year. Buyer activity typically starts to slow while the number of homes for sale climb – and you need the right strategy to get attention in this type of market. The good news? There’s a lot… Read more
Niki Salter - Sr. Loan Officer | NMLS# 196623
Legacy Mutual Mortgage | NMLS# 278675
Copyright © 2026 Legacy Mutual Mortgage. All rights reserved. NMLS #196623
Gardner Financial Services, Ltd., dba Legacy Mutual Mortgage, NMLS #278675, a subsidiary of Texas Partners Bank. 18402 U.S. Highway 281-N, Ste. 258, San Antonio, TX 78259. AZ BK-2001467. Check registration and licensing at nmlsconsumeraccess.org. Legacy Mutual Mortgage is an Equal Housing Lender. This is not a commitment to lend. Material is informational only and should not be construed as investment or mortgage advice. Legacy Mutual Mortgage is not an agency of the federal government. Not all loan products are available in all states. All loans are subject to credit and property approval. Not all applicants qualify. Restriction and conditions may apply. Information and programs current as of date of distribution but may change without notice. [1/2026]
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