The Lock-In Effect Is Loosening: A Quiet Shift in the Housing Market
For the last several years, one phrase has shaped the housing conversation more than almost any other: the mortgage rate lock-in effect.
During the pandemic, millions of homeowners locked in historically low mortgage rates—many below 3%. While that was great news at the time,...
Mortgage Rates Moving Lower — A Positive Shift for 2026
Across the early weeks of 2026, mortgage interest rates in the U.S. have started to trend downward, offering a more encouraging environment for homebuyers, homeowners, and local partners alike. After a period of higher borrowing costs in 2024 and much of 2025, these changes reflect...
How to Save for a Down Payment Faster: 10 Practical Tips
Buying a home is one of the biggest milestones—and for many buyers, saving for a down payment is the biggest hurdle. As trusted mortgage partners, we're here to help buyers feel prepared, confident, and informed throughout the process.
At BankFirst Mortgage, we believe small,...
2026 Credit Score Playbook: The Biggest Changes
You may have heard some buzz about credit scores changing, and there’s truth to it. 2026 is shaping up to be a year of transition in how lenders evaluate borrowers, especially when it comes to mortgages. The good news? The basics of healthy credit haven’t changed, which makes...
How Much House Can You Afford? A Guide to Making Smart Homebuying Decisions
Buying a home is one of the biggest financial decisions you’ll make, and understanding how much you can afford is key to setting yourself up for success. At BankFirst, our expert lenders are here to guide you through the process, ensuring you find a loan that fits your financial...
Powered By LenderHomePage.com