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The Future Blog

Deep dives on pricing, capital markets, AI in lending, and what it takes to modernize the mortgage business.

How much home can you actually afford?

Before you fall in love with a listing, figure out the number that keeps you comfortable. Here's how lenders think about affordability — and how to set your own budget.

Marty LuckenbachJune 2026 · 5 min read

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Latest articles

Loan Basics

Fixed vs. adjustable rate: which is right for you?

A fixed rate never changes; an adjustable rate can move after a few years. Which one fits depends on how long you'll keep the loan.

June 2026 · 4 min read

Rates

How to get the lowest mortgage rate you qualify for

Your rate isn't luck — it's a handful of factors you can influence. Here's what actually moves the needle.

June 2026 · 5 min read

First-Time Buyers

The first-time homebuyer's step-by-step guide

From pre-approval to keys in hand — a plain-English walkthrough of buying your first home without the overwhelm.

May 2026 · 6 min read

Closing

Closing costs, explained line by line

Closing costs surprise a lot of first-time buyers. Here's what they cover, what they typically run, and how to keep them down.

May 2026 · 5 min read

Refinancing

When does refinancing actually make sense?

Refinancing can lower your payment, shorten your term, or tap equity — but only if the math works. Here's how to know.

May 2026 · 5 min read

Credit

How your credit score shapes your mortgage

Your credit score influences whether you qualify and what rate you get. Here's what counts — and how to give yours a boost before you apply.

April 2026 · 4 min read

Loan Types

Conventional, FHA, VA, USDA: which loan fits you?

Different loan programs fit different buyers. Here's a plain-English guide to the main options and who each one is built for.

April 2026 · 6 min read

Home Buying

How much of a down payment do you really need?

The '20% down' rule is more myth than requirement. Here's what down payments actually look like — and the trade-offs of putting down less.

March 2026 · 4 min read

Rates

Should you buy points to lower your rate?

Paying for points lowers your rate — but only pays off if you keep the loan long enough. Here's how to run the break-even.

March 2026 · 4 min read

Home Buying

What to expect from application to closing

A clear timeline of the mortgage process — what happens at each stage, and how to keep your loan moving.

February 2026 · 5 min read