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Mortgage & Real Estate Insights

Stay informed with the latest mortgage rate updates, market trends, and home buying strategies from licensed mortgage advisor Joseph (NMLS #1577754). Expert insights for Bergen County and beyond.

URGENT UPDATE
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Featured Article

Buyer Strategy
September 14, 2025
8 min read

Assumable Mortgages: The Hidden Gem for Bergen County Buyers in Today's 6.35% Rate Market

Discover how assumable mortgages can help Bergen County buyers secure sub-6% rates when current markets hover at 6.35%. Learn about VA, FHA, and USDA loan assumptions that could save you $1,000+ monthly.

6.12%
30-Year Fixed
15-Year Fixed:5.40%
Weekly Change:-0.19%
Rates as of September 9, 2025

Latest Articles

Stay up to date with the latest mortgage industry news, market analysis, and home buying strategies.

Urgent Update
September 12, 2025

Fed Rate Decision Next Week: What Bergen County Homebuyers Should Do This Weekend

Federal Reserve meets September 17th with 89% chance of rate cut. Bergen County homebuyers have a critical 72-hour window to position themselves. Get pre-approved, lock rates, and prepare your offer strategy this weekend.

6 min read
Market Update
September 8, 2025

Mortgage Rates Hit 11-Month Low: What Bergen County Buyers Need to Know

30-year fixed rates dropped to 6.12% this week, the lowest since October 2023. With the Fed meeting next week and weak job numbers, here{`'`}s what Bergen County homebuyers need to know about this opportunity.

5 min read
Market Analysis
September 4, 2025

Bergen County Housing Market: 72% of Homes Selling Above Asking Price

The Bergen County market remains competitive with most homes selling above asking price. Learn strategies to win in this competitive landscape.

4 min read
Buyer Programs
August 31, 2025

First-Time Buyer Programs: Up to $22,000 in Down Payment Assistance

Discover available first-time homebuyer programs offering substantial down payment assistance in NJ, NY, PA, and CT.

6 min read
Loan Comparison
August 27, 2025

FHA vs. Conventional Loans: Which is Right for You in 2025?

Compare FHA and conventional loan options, including new guidelines and benefits for different borrower profiles.

7 min read
VA Loans
August 24, 2025

VA Loan Benefits: Zero Down Payment Home Buying for Veterans

Comprehensive guide to VA loan benefits, including no down payment, no PMI, and competitive rates for eligible veterans.

5 min read

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