Rates dipped, applications slowed: strengthen your mortgage plan
An October 23 guide for New Jersey buyers: refresh the property budget, documents and offer timeline after the latest rate and application data.
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Past Articles & Guides
All published Mortgage Insights by Richard Cilo, ordered newest first with original publication dates.
Keep your mortgage? Compare three ways to use home equity
An October 16 guide for New Jersey homeowners: compare a HELOC, home-equity loan and cash-out refinance by total cost, cash needs and repayment risk.
Mortgage rates at 7.40%: should you pay points or keep your cash?
An October 9 guide for New Jersey buyers: weigh mortgage points, cash reserves and rate-lock terms after the latest Freddie Mac survey.
Your October mortgage checklist: compare offers before choosing a New Jersey home.
A practical October 6 checklist for New Jersey buyers: compare Loan Estimates, verify property costs and plan the cash you will keep after closing.
Mortgage rates rose again. Three decisions to review before your next offer.
This week’s market update, with practical questions about your payment, seller credits and cash reserves for a New Jersey home purchase.
A temporary 2-1 buydown: using seller support with a plan
A practical guide from Richard Cilo to temporary 2-1 mortgage buydowns and seller-funded purchase strategies.
Rates moved higher this week. Here is the plan—not the panic.
Richard Cilo explains the September 17, 2026 mortgage rate update and practical affordability levers for homebuyers.
Self-employed or complex income? Prepare the story early.
A mortgage approval-readiness guide from Richard Cilo for self-employed borrowers and people with complex income.
When an adjustable-rate mortgage deserves a closer look
Richard Cilo explains how adjustable-rate mortgages work and what buyers should compare before choosing an ARM.