Mortgage Do's And Don'ts
Mortgages can be tricky, and it's easy to make mistakes that can end up costing you dearly. That's why we've put together this list of Mortgage Do's and Do not's to help you navigate the process with ease - and a little bit of humor.
DO: Shop around for the best mortgage rates
DON'T: Assume your bank will give you the best rate just because you have a checking account there. Remember, loyalty is a two-way street.
DO: Have a budget in mind
DON'T: Get in over your head. Just because you can technically afford a million-dollar mansion doesn't mean you should buy one. You don't want to be house-poor and unable to afford groceries.
DO: Get pre-approved before house-hunting
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DON'T: Assume you'll be approved for a mortgage just because you have good credit. Pre-approval is important because it gives you a better idea of how much house you can afford and shows sellers that you're serious.
.
DO: Consider your future plans
.
DON'T: Assume you'll live in your new house forever. Life happens, and you may need to sell sooner than you think. Make sure you're not getting into a mortgage that you can't realistically afford if you need to move in a few years.
DO: Get pre-approved before house-hunting
.
DON'T: Assume you'll be approved for a mortgage just because you have good credit. Pre-approval is important because it gives you a better idea of how much house you can afford and shows sellers that you're serious.
.
DO: Consider your future plans
.
DON'T: Assume you'll live in your new house forever. Life happens, and you may need to sell sooner than you think. Make sure you're not getting into a mortgage that you can't realistically afford if you need to move in a few years.
DO: Read the fine print
.
DON'T: Sign on the dotted line without reading the terms and conditions. There may be hidden fees or clauses that could come back to haunt you later.
.
DO: Be prepared for unexpected expenses
.
DON'T: Assume everything will go smoothly. There may be unforeseen expenses, like a leaky roof or a broken furnace, that can quickly drain your savings. Be sure to budget for these types of surprises.
DO: Read the fine print
.
DON'T: Sign on the dotted line without reading the terms and conditions. There may be hidden fees or clauses that could come back to haunt you later.
.
DO: Be prepared for unexpected expenses
.
DON'T: Assume everything will go smoothly. There may be unforeseen expenses, like a leaky roof or a broken furnace, that can quickly drain your savings. Be sure to budget for these types of surprises.
DO: Have a good sense of humor
.
DON'T: Take everything too seriously. Yes, buying a house and getting a mortgage can be stressful, but try to find the humor in the situation. After all, laughter is the best medicine for a stressful day.
.
By following these Mortgage Do's and Do not's, you'll be well on your way to successfully navigating the mortgage process - with a smile on your face. Good luck, and happy house hunting!
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💸 The Fed Is Quietly Printing Money Again — Here’s How It Impacts Rates, Inflation & Real Estate 🏦
💸 The Fed Is Quietly Printing Money Again — Here’s How It Impacts Rates, Inflation & Real Estate 🏦
🏦 Stealth Money Printing: How the Fed’s “Liquidity Boost” Affects Mortgages, Inflation & Investors 📉
🏦 How the Fed Is Quietly Printing Money Again (and What It Means for You)
Why liquidity matters, how it affects interest rates, and what smart borrowers should do now.
When most people hear “money printing,” they picture 2020 stimulus checks or quantitative easing (QE). But in 2025, the Federal Reserve is quietly injecting liquidity into the financial system without officially calling it QE — and it’s reshaping mortgage rates, credit markets, and real estate investing.
This matters whether you’re a homebuyer, investor, or business owner, because liquidity drives borrowing power.
🔥 What the Fed Is Doing (In Plain English)
1. The Fed is increasing liquidity through the repo market.
Banks borrow overnight using Treasuries as collateral. When the Fed provides more repo liquidity, the banking system gets an immediate cash infusion — a quieter version of money printing.
2. Treasury buybacks are creating demand shock.
The U.S. Treasury is repurchasing older bonds and issuing new ones. This increases liquidity and lowers volatility in debt markets.
3. The balance sheet isn’t shrinking as fast as headlines suggest.
The Fed’s stated “QT” (quantitative tightening) is being offset by behind-the-scenes liquidity programs.
In short: More liquidity = cheaper borrowing long before the public realizes what happened.
💰 What This Means for Mortgage Rates
Even if the 10-Year Treasury stays choppy, liquidity injections pull mortgage rates down because:
·Banks feel safer lending
·Credit spreads tighten
·Investors buy more mortgage-backed securities (MBS)
·Housing credit becomes cheaper
This is exactly why you’re seeing mortgage rates drift lower, even without aggressive rate cuts.
For buyers and refinancers:
Liquidity matters more than headlines.
🏘️ What This Means for Real Estate Investors
More liquidity typically leads to:
✔ Rising demand for real estate
Money flows to hard assets when the Fed increases liquidity.
✔ Lower cap rates over time
As financing costs fall, valuations rise.
✔ More competition for stabilized deals
Institutional capital moves quickly in liquidity waves.
If you invest in Texas — especially Houston, Katy, Fulshear, San Antonio, Dallas-Fort Worth — this liquidity cycle could be the start of a new acquisition window.
📉 What This Means for Inflation
More liquidity = upward pressure on prices.
But unlike 2021–2023, the Fed is attempting a controlled liquidity strategy designed to:
·Support credit markets
·Avoid recession
·Keep inflation in a manageable range
It’s a balancing act… and markets are reacting fast.
🏦 What Homebuyers Should Do Now
If liquidity keeps increasing, mortgage rates may continue drifting downward — but waiting comes with risk:
·More buyers flood back into the market
·Multiple-offer scenarios return
·Home prices climb faster than rates fall
·Investors absorb limited inventory
The winners of this cycle will be those who prepare early — not those who wait for perfect conditions.
If you want to explore your options, Medallion Funds helps with:
✔ Conventional, FHA, VA mortgages
✔ Jumbo mortgages
✔ Investor DSCR loans
✔ Commercial bridge & SBA loans
✔ Private lending solutions
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© 2023-2024 Bill Rapp, Medallion Funds LLC, Director of Capital Advisory
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