The Federal Reserve announced a 0.25% rate cut yesterday, and the headlines immediately started flying. Anytime the Fed makes a move, people assume mortgage rates will react the same way. But here’s the truth:

👉 The Fed’s rate cut and mortgage rates are not directly connected.
👉 Mortgage rates …

If you’ve been watching the housing market and wondering why inventory feels so tight, there’s a simple but powerful reason behind it: the mortgage lock-in effect. It’s shaping buyer behavior, seller decisions, and the overall pace of the market across North Texas and the entire country.

Here’s what …

Fannie Mae Just Made It Easier to Qualify for a Home Loan — Here’s What You Need to Know

For years, many hopeful homebuyers have been stopped in their tracks by one number: 620.

That’s been the minimum credit score required for conventional loans backed by Fannie …

Fed Cuts Rates: What It Means for Mortgage Rates and Homebuyers

By Texan Heritage Realty Group | Fathom Realty
Tradition • Integrity • Excellence

What Happened?

Yesterday, the Federal Reserve announced its first interest rate cut since December 2024, lowering the federal funds rate by …

📉 Mortgage Rates Hit Best Levels Since May — Is Now the Time to Buy?

There’s good news on the horizon for homebuyers — mortgage rates have reached their lowest levels since early May! For anyone waiting for signs of a more affordable market, this may …