The E Mortgage Capital Blog

The Mortgage Playbook

Expert guides, rate updates, and real talk on home financing, written by people who actually do this every day.

Straight from our loan officers

  • Rate & market updates
  • Home buying guides
  • Expert mortgage tips
  • Borrower success stories

Putting the ROAD Act into Action: What the Funding and HUD Challenges Mean for Homeowners

When I first heard about the ROAD Act and its ambitious goals for housing reform, my initial reaction was cautious optimism. After more than 20 years in residential mortgage lending, I have learned to...

Leadership Transition at IRES MLS: What It Means for Colorado Home Buyers and Veterans

If you have been following real estate news in Northern Colorado lately, you have probably heard about a significant leadership change at IRES MLS. Julie Dahl, a dedicated professional with 23 years...

Major Real Estate Leadership Moves Signal Midwest and South Central Growth Opportunities

As someone who has spent over a decade helping families achieve their homeownership dreams, I absolutely love keeping my finger on the pulse of what is happening in the real estate industry. And let...

Urban Infill Homebuilding Is Growing: What It Means for Buyers and Financing

There is something genuinely exciting happening in residential real estate right now, and it is reshaping how we think about homeownership in established neighborhoods. Urban infill homebuilding is...

What the Zillow Shareholder Lawsuit Means for the Housing Market and Your Mortgage Journey

If you have been following real estate news lately, you have probably heard about the shareholder lawsuit against Zillow related to their recent acquisition of Redfin. As someone who has been in the...

Housing Market Faces Headwinds as Mortgage Rates Move Above 7%: What Refinance Borrowers Need to Know

If you have been watching mortgage rates lately, you have probably noticed that we have crossed back above that psychological 7% threshold. I am not going to sugarcoat it for you. This is a...

DSCR Loans Are Booming, But Fragmented Underwriting Standards Demand Careful Navigation

If you have been paying attention to the real estate investment space lately, you have probably noticed that DSCR loans are having a major moment. Debt Service Coverage Ratio loans have become one of...

Airbnb’s $250 Million Housing Pledge: What This Means for Real Estate Investors and Homebuyers

When I first came to the United States from Cuba back in 2000, I never imagined I would be writing about major tech companies investing hundreds of millions of dollars into solving the housing crisis...

Colorado River Water Cuts Are Coming: What This Means for Housing in the Southwest

Growing up in California, I watched my parents navigate the real estate industry through all kinds of market conditions. Wildfires, earthquakes, economic downturns, you name it. But there is one...