A rate-and-term refinance involves refinancing an existing mortgage to lower interest rates or modify loan terms without ...

The economy is posing problems for many Americans. Inflation has remained stubborn for months, and a growing number of Americans are struggling with rising credit card debt. The number of Americans ...

A cash-out refinance replaces your current mortgage with a new, larger one. It includes the remaining balance of your original loan plus an additional amount that you’ll withdraw in cash. This cash ...

After years of elevated borrowing costs, homeowners finally began to see some relief in late 2025. The Federal Reserve's December rate cut, the third of the year, capped off a series of moves that ...

Jason Ruedy, known as The Home Loan Arranger, is a Colorado mortgage expert with over three decades of experience helping Americans achieve homeownership and financial stability. His client-focused ...