The Fed Paused. Now What?

The Federal Reserve meeting has concluded, and as we anticipated, they have chosen to hold the Federal Funds Rate steady. While the headlines might simply say “Fed Pauses,” the details behind the decision paint a clearer picture of where we are heading in 2026. The Labor Market is the Key For a long time, the […]

Signal vs. Noise: The Fed, The Jobs, and The Rising Cost of Waiting

It is Wednesday, January 28th. The Federal Reserve wraps up its two-day meeting today, with a statement due at 2:00 PM ET. While the media focuses on the immediate “noise” of the press conference, I want to focus on the “signal” coming from the latest economic data. Home Prices Are resilient We have been discussing […]

Why Stability Matters More Than the Daily Drop

If you checked the financial news earlier this week, you likely saw red. Mortgage-backed securities (MBS)—the bonds that largely determine mortgage rates—had a difficult three-day stretch. When MBS prices go down, mortgage rates go up. It is natural to see this and worry that the recent trend of improving rates is over. However, looking at […]

Monday Market Update: What the Bond Buyback Means for Your Mortgage This Week

If you were watching the financial news late last week, you likely saw the headlines about the government’s directive for Fannie Mae and Freddie Mac to purchase mortgage bonds. On social media this weekend, there was a lot of noise. Some sources were claiming the “bottom was dropping out” of rates, while others were creating […]

BREAKING NEWS: Mortgage Rates Drop Following Government Bond Buyback

If you are looking to buy a home in Magnolia or the Greater Houston area, the news coming out of Washington today is exactly what you have been waiting for. The Headline: President Trump has directed Fannie Mae and Freddie Mac to purchase billions of dollars in mortgage bonds. The Impact: You don’t need to […]

Why Your W-2 is the “Golden Ticket” to Buying a Home in 2026

It’s January. The holidays are behind us, and mailboxes across Magnolia are starting to fill up with tax forms. For most people, receiving a W-2 is just a reminder that tax season is coming. But if you are planning to buy a home in 2026, that piece of paper is much more than a tax […]

Texas Housing Market Forecast: What Buyers & Sellers Need to Know for 2026

Happy New Year! As we turn the page on 2025, many Texans are setting big goals for the year ahead—and for many, that includes buying a new home. But after the rollercoaster of the last few years, it’s natural to have questions. Will rates drop? Will prices crash? Is 2026 finally the right time to […]

Texas Housing Market Update Dec 2025: Why It’s a Buyer’s Market | MJ Mortgage

Is December 2025 the Best Time to Buy a Home in Texas? The Data Says Yes. Most potential homebuyers in Texas are focused on holiday travel and year-end lists right now. But if you look at the actual housing data released this month, a different story emerges—one that suggests waiting until Spring 2026 might be […]

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 […]

Archives