Vantage Spring 2025 Newsletter
MORTGAGE RATES, TARIFF NEWS, AND VOLATILITY WHEN IS IT A GOOD TIME TO REFINANCE?
When You Need A New Mortgage: Competition
Competition between lenders drives down costs and improves performance due to several key economic principles: 1. Lower Interest Rates & Fees When multiple lenders compete for the same borrowers, they are incentivized to offer the most attractive terms to win…
The Best Season to Buy a Home: A Seasonal Guide for Homebuyers
Buying a home is one of the biggest financial decisions you’ll ever make, and timing can significantly impact your experience and the deal you get. While the real estate market moves year-round, each season comes with its own advantages and…
Permanent Discount Points vs. Temporary Buydowns: Which is Right for You?
By Andy Harris, President of Vantage Mortgage Brokers When shopping for a mortgage, you may come across options to lower your interest rate either permanently or temporarily. These options, known as permanent discount points and temporary buydowns, can help reduce your monthly mortgage…
Rent vs. Buy: Making the Right Choice for Your Lifestyle and Finances
By Andy Harris, President of Vantage Mortgage Brokers The age-old debate of renting versus buying a home is one of the most significant financial decisions many people face. Both options have their benefits and drawbacks, and the best choice often…
Why Is My Credit Score Different From My Mortgage Lender?
By Andy Harris, President of Vantage Mortgage Brokers Consumers today have access to more information than ever before. Financial education and access to credit profiles have helped consumers improve or maintain their credit ratings and scores, but not without confusion…
Buying a Home in Today’s Market: What You Need to Know
By Andy Harris, President of Vantage Mortgage Brokers
How To Lock In The Best Mortgage Rate
By Andy Harris, President of Vantage Mortgage Brokers Every consumer has wanted the lowest mortgage rate since the beginning of loan amortization and monthly mortgage payments. No, you’re not unique. Everyone shares this common goal. Lower rates mean lower costs…
Vantage Mortgage Brokers’ Response to NAR settlement and support of Buyer’s Agents
In light of the NAR settlement, there is still plenty to work through on how lenders will handle this and the best ways to navigate this as a buyer’s agent. However, we wanted to give you a few resources to…
Summer 2023 Newsletter
This continues to be a volatile and challenging year for mortgage rates and housing inventory. With inflation reaching its highest levels in 40 years last year, the rise in rates was quick and unforgiving. While many would-be home sellers exist, they don’t…