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Mortgage insights · practical next steps
Mortgage news. Practical guidance from Richard.
I translate mortgage news and program details into practical questions, options, and next steps for buyers and homeowners—without hype or one-size-fits-all answers.
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National mortgage market index based on observed rate locks. For market context only — not an advertisement of an available rate or a personalized rate quote.
Mortgage & market news
Official sources checked daily. Dates below are the publishers’ release dates. Freddie Mac publishes its mortgage survey weekly; Federal Reserve headlines change when new statements are released.
Mortgage Rates Decrease to 7.32%
Read the official release ↗Last successful check: October 27, 2026
Federal Reserve issues FOMC statement
Read the official release ↗Last successful check: October 27, 2026
Headlines from external publishers, separate from Richard’s educational guides. Market information is not a personalized rate quote.
Mortgage blog by Richard Cilo
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.
Read the article →Past Articles & Guides
Recent perspectives from Richard. Explore the archive for more articles and guides.