Why December 2025 Is the Smartest Time to Buy a Home in Texas (And How to Get the Best Deal)

While many potential homebuyers press “pause” during the holiday season, savvy buyers know that December often hides the best opportunities of the entire year. The “holiday freeze” in activity creates a window of leverage that doesn’t exist in the spring or summer. If you are looking to purchase a home in Texas this month, here […]

2026 Housing Outlook: Your Path to Homeownership is Improving!

Are you ready to buy a home? As your local Mortgage Banker, Sal Trapani of MJ Mortgage LLC is here to break down the latest forecast from the National Association of REALTORS® (NAR) presented on November 14, 2025. The housing market is expected to rebound in 2026, creating a more favorable environment for homebuyers like […]

The 50-Year Mortgage: A Solution to the Housing Crisis or a Financial Trap?

In today’s challenging housing market, affordability is the single biggest hurdle for most homebuyers. As a mortgage banker, I’ve heard countless new ideas aimed at solving this crisis. One that’s gaining traction in discussions is the 50-year mortgage. But is this ultra-long-term loan a powerful new tool for buyers, or is it a financial trap […]

Hiring Your “Head Coach”: Why Picking a Loan Officer is Like Picking a Football Coach

Choosing a loan officer for your mortgage is one of the most important decisions you’ll make in the home-buying process. It might not seem like it, but it’s remarkably similar to a high-stakes search for a college football head coach. Both are responsible for guiding a team to a major “win.” Here’s how the two […]

October 2025 Housing Market Forecast: What Homebuyers Need to Know

Fannie Mae has released its Economic and Housing Outlook for October 2025, providing key projections for the economy and the housing market. If you are looking to buy a home in the near future, this forecast offers a glimpse at what experts are anticipating for mortgage rates, home prices, and more. Here are the key […]

The Rent is Falling: Is It Time to Make Your Move?

Are you a renter considering buying a home? The latest rental report from August 2025 shows a significant trend of declining rents, and this could be the perfect time to make your move into homeownership. Here’s a breakdown of the key highlights and what they mean for you: Rents are down, and renters are on […]

House hackers, this one’s for you!

Some exciting updates just hit the mortgage world! Freddie Mac(Conventional Loans) is now allowing up to 95% LTV on 2–4 unit primary homes starting Sept 29th. Fannie Mae had already adapted this change in 2023. This means your buyers can get into a multi-unit with just 5% down! Here’s the scoop: 2-unit homes: LTV boosted […]

What Is the Best Time of Year to Buy a House?

Life circumstances often determine when you’ll buy a house, but if you have a choice, timing your purchase can be beneficial. The housing market fluctuates throughout the year, so it’s important to understand what to expect in each season. Spring Spring is the traditional home-buying season, with the market picking up as the weather improves. […]

Navigating the Market: Why Are Home Purchase Cancellations on the Rise?

As a homebuyer, it’s crucial to understand the current dynamics of the real estate market. Recently, a notable trend has emerged: a record number of home purchase agreements are falling through. This isn’t a reason to panic, but it is a reason to be prepared and have an expert on your side. Let’s break down […]

Navigating the August 2025 Mortgage Market: A Homebuyer’s Guide to Rates

Today’s Mortgage Rate Snapshot (As of August 15, 2025) The average interest rate for a 30-year fixed-rate mortgage is 6.552%. This represents the lowest average for this type of loan since early August. The rate is down 5 basis points from the previous day and approximately 8 basis points from a week ago. Why Are […]

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