Timothy Moore Articles

• Homebuyers
• October 1, 2026

The No. 1 Reason You Might Not Want to Root for Falling Mortgage Rates

Homebuyers likely don’t want rates to drop to pandemic-era lows below 3%. That’s not only unlikely, but also a bad sign for the economy.

• Homebuyers
• August 11, 2026

What the New Fannie Mae and Freddie Mac Rules Mean for Condo Buyers in 2026 and Beyond

New rules require lenders to take a deeper look at the financial health and structural condition of condominium developments before approving Conventional loans.

• Homeowners
• July 31, 2026

Want to Lower Your Monthly Mortgage Payment? Here’s How a Mortgage Recast Can Save You Money

A mortgage recast typically lowers your monthly housing payments because you’re making a large, lump-sum payment toward your remaining loan balance.

• Homebuyers
• July 28, 2026

Can You Buy a Home with Cryptocurrency? What Homebuyers Need to Know About Bitcoin Mortgages

While most buyers can’t hand over cryptocurrency to pay for a home, you may be able to use these assets in other ways to qualify for financing or cover upfront costs.

• Housing News
• July 15, 2026

Here’s Where the Housing Market Is Headed in the Second Half of 2026

The housing market heading into the second half of 2026 looks quite different from the rollercoaster of recent years. And in many ways, that’s a good thing.

• Homebuyers
• July 13, 2026

Thinking About Buying a Foreclosed Home? Here’s What You Need to Know Before You Close

The number of U.S. homes falling into foreclosure is on the rise. For budget-conscious buyers, this might seem like an opportunity to score a bargain home for much less than market value.

• Homebuyers
• May 14, 2026

One-Time Close Construction Loans: How to Build and Finance a Home (With Minimal Stress)

One of the best resources for building your own home is a One-Time Close (OTC) Construction Loan. These loans let you finance the land purchase and construction costs together and automatically convert to a traditional mortgage loan when the home is built.

• Homebuyers
• May 5, 2026

Why Mortgage Rates Can Change Overnight and What You Can Do About It

Why do interest rates move so much, and so fast? And what can you do to protect yourself? Here’s what you need to know.

• Homebuyers
• April 21, 2026

Bank Statement Loans: How Self-Employed Borrowers Can Get a Mortgage

If you’re self-employed, a freelancer, a gig worker, or a small business owner, you may not have the traditional income documentation lenders typically require. That’s where bank statement loans come in.

• Homebuyers
• March 30, 2026

The 28/36 Rule for Mortgages: Why You Need to Understand These Numbers Before Buying a Home

Lenders often use the 28/36 mortgage rule to ensure you can afford a home. You can also use this rule to set your own budget before you begin home shopping.