Howard Financial

The Hidden Life Moments That Impact Your Mortgage Journey: Buying a home is rarely just about the house. It is about life happening at the same time. Career changes, family growth, health decisions, and financial habits all quietly shape your mortgage… dlvr.it/TQt1GL

What’s Ahead For Mortgage Rates This Week – February 9th, 2026: While Consumer Sentiment has inched up slightly, Consumer Credit tells a different story. Credit usage has continued to rise, suggesting increased financial strain on consumers amid ongoing… dlvr.it/TQrvll

Why a HELOC Works and When It Might Make Sense for Homeowners: For homeowners looking to tap into the equity they have built over time, a Home Equity Line of Credit, also known as a HELOC, can be a flexible financing option. Unlike a traditional mortgage… dlvr.it/TQp9p3

What Homebuyers Need to Know About Mortgage Interest Rates and APR: When applying for a mortgage, borrowers are often presented with several important numbers that determine the true cost of the loan. Two of the most discussed figures are the mortgage… dlvr.it/TQn051

What Every Homebuyer Needs to Know About Mortgage Origination Fees: Buying a home is an exciting milestone, but it also comes with important financial details that can feel overwhelming. Along with your down payment and monthly mortgage payment, there… dlvr.it/TQll78

5 Financial Signs You Are Ready to Qualify for a Mortgage: Purchasing a home is one of life's biggest milestones, but before you start touring properties, it is important to know whether you are financially prepared to qualify for a mortgage. Many buyers… dlvr.it/TQkYlz

What’s Ahead For Mortgage Rates This Week – February 2nd, 2026: While many were optimistic about an additional rate cut, the Federal Reserve has decided to maintain current interest rates pending further data. They have previously stated that at least… dlvr.it/TQjNgG

Tips to Remember When Shopping for a New Home Loan: Finding a new home loan can seem challenging, but if you take the proper steps before you start applying for loans, you'll have no difficulty finding a mortgage that works for you and a lender that… dlvr.it/TQffLY

Why Co-Signing a Car Loan Can Affect Your Mortgage Application: Co-signing a car loan may seem like a small favor for a family member or friend, but many homebuyers do not realize how much it affects their own mortgage approval. Even if you never drive… dlvr.it/TQdXWh

Mortgage Tips for Recent Graduates Entering the Workforce: Starting your career is an exciting milestone, and for many recent graduates, the idea of becoming a homeowner feels closer than ever. While student loans, new job transitions, and building… dlvr.it/TQcQHP

How to Qualify for a Mortgage With No Credit Score: If you have no credit score, you may think homeownership is out of reach, but that is not true. Many people who avoid credit cards, pay with cash, or are new to the United States have no traditional… dlvr.it/TQbJhG

What’s Ahead For Mortgage Rates This Week – January 26th, 2026: The Federal Reserve's preferred inflation indicator -- the Personal Consumption Expenditures (PCE) Index -- released under delayed conditions, but it was within expectations. Next week will… dlvr.it/TQZDLw

Mortgages and Divorce: Keeping Your Home During Life’s Changes: Divorce or separation is a challenging time, and amidst the emotional and logistical complexities, handling mortgage issues can add another layer of stress. dlvr.it/TQWfrx

Homeowners in Financial Distress: Mortgage Forbearance and Loan Modification: In times of financial hardship, such as job loss, medical emergencies, or economic downturns, homeowners may find it challenging to keep up with their mortgage payments. When… dlvr.it/TQVXpY

Exploring the Benefits of Buying a Fixer-Upper: Are you in the market for a new home? Have you considered the allure of a fixer-upper? While the idea of purchasing a home that needs a bit of TLC might seem daunting at first, numerous benefits come with… dlvr.it/TQTQZn

What’s Ahead For Mortgage Rates This Week – January 20th, 2026: Inflation reports have shown their cards, and they have come in line with expectations. These newer reports rely on less data from sources overall, which is why the PCE Index remains the… dlvr.it/TQSJRY

The Role of A Down Payment: How Much Should I Save?: Buying a home, a car, or any significant investment often involves making a down payment. The down payment is a crucial part of the purchasing process, as it can impact your loan terms, interest rates,… dlvr.it/TQNcZp

Understanding the Jumbo Mortgage and Why Refinancing is Different: So what exactly is a jumbo mortgage? How is it different from a standard mortgage, and what does that mean for your refinancing options? Here's what you need to know. dlvr.it/TQMVs9

Home Security Systems for a Safe Haven: Home is where the heart is, and it's also where you should feel the safest. Ensuring the security of your home has never been more attainable. Home security systems have evolved from simple locks and alarms to… dlvr.it/TQLNJ1

You Ask, We Answer: What Are the Pros and Cons of Private Mortgage Insurance?: It's easy to get Private Mortgage Insurance (PMI) confused with homeowners' insurance, but PMI is an entirely different thing that may or may not be necessary when it comes to… dlvr.it/TQKG85