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Blog Articles

By NJ+Marketing Team December 3, 2025
With negative-equity rates rising sharply among builder-financed FHA loans, buyers should approach “too-good-to-be-true” rates with caution.
November 24, 2025
50-year mortgages are dominating the headlines, so we're breaking down the pros and cons of long-term, fixed-rate loans for our borrowers.
By NJ+Marketing Team November 19, 2025
If you're looking to lower your monthly payment or shorten your loan term post-closing, you have some options, including a mortgage recast or a refinance.
By NJ+Marketing Team November 12, 2025
Starting Nov. 16, 2025, Fannie Mae is eliminating its 620 minimum middle credit score requirement for purchase and refinance home loan credit decisions.
By NJ+Marketing Team November 6, 2025
With Luminate Bank’s Stand-Alone Home Equity Line of Credit (HELOC), you can borrow what you need, when you need it, without changing your existing mortgage.
By NJ+Marketing Team October 30, 2025
Many people believe that mortgage rates are tied to the Federal Reserve’s rate changes; fixed-rate mortgage rates are more closely tied to the 10-year Treasury yield