Mortgage Lab September 2026 — Sellers Are Blinking First
Volume 11 · September 1st, 2026 Something is shifting in the resale market, and it’s opening a real window for investors — not homeowners, investors. Flipped properties are sitting longer, sellers are cutting prices at a record pace, and a growing share of rehabbers are quietly deciding to keep and rent instead of sell at […]
Mortgage Lab August 2026 — Don’t Touch Your Low Rate
Volume 10 · August 1st, 2026 If you own a home with a first mortgage rate between 3% and 5%, you own the most valuable financial asset most Americans will ever hold — and the market just gave you another reason to protect it. On July 23rd, the 10-year Treasury yield broke past 4.7% — […]
The Mortgage Lab · July 2026 — BofA Flips to Three Hikes
Bank of America just flipped from cuts to three hikes. What the fracturing “wait for rates” consensus means for your refi math — for investors and homeowners.
The Mortgage Lab · June 2026 — Rates Reverse, Congress Acts & the Bridge-to-DSCR Play
Rates jumped three-quarters of a point on Iran headlines, Congress passed a bill capping institutional single-family buyers, and the bridge-to-DSCR structure became the default for serious investors. Plus: the DSCR Pricing Engine launches.
The Mortgage Lab · May 2026 — The Fix & Flip Recovery and the HELOC Moment
Fix-and-flip sentiment hits a multi-year high, inventory growth finally slows, and HELOCs surge as investors tap equity without touching sub-5% first mortgages.
The Mortgage Lab · April 2026 — The Refi Window & the Rental Tailwind
The rate you locked in 2022–2023 is almost certainly beatable today. The refi math, the strengthening rental demand picture, and the four moves investors are executing this spring.
The Mortgage Lab · March 2026 — Fed Shift, Rate Odds & What It Means for You
Kevin Warsh is nominated to succeed Jerome Powell as Fed Chair. How the leadership shift flows through to mortgage pricing — and our strategy for borrowers in a measured-adjustment environment.
The Mortgage Lab · February 2026 — What Smart Borrowers Are Doing Right Now
The Fed holds steady, but borrower behavior is shifting: refinancing, restructuring, and deploying equity because the math finally makes sense. Why this is a plan-and-execute market, not a wait-and-see one.
The Mortgage Lab · January 2026 — The 2026 Housing Market Outlook
2026 shapes up as the year housing normalizes: modest price growth, easing rates, rising sales, and the start of the “Great Housing Reset” — and what it all means for your mortgage planning.
The Mortgage Lab · December 2025 — Year-End Mortgage Moves That Matter
Rates near two-year lows, a Fed cut in sight, and the year-end moves smart investors and homeowners make while everyone else pauses for the holidays.