Blog
What we're seeing in the market, how loan products actually work, and what the headline rate quote isn't telling you.
Policy Update
June 2, 2026 · NewThe biggest condo-lending reset since Surfside.
Lender Letter LL-2026-03 rewrites project standards and insurance requirements. What's already in effect, what kicks in this August, and the 10%→15% reserve change that lands in 2027 — itemized for realtors and buyers.
Market Pulse
May 30, 2026 · NewRates holding the range. Inventory loosening in the suburbs.
30Y fixed at 6.53%, 10Y around 4.45%, Fed in pause mode. What's moving in Philly, South Jersey, Northern Delaware, and Northern Maryland — and what to tell clients this week.
Rate Education
A dangerous question if not prepared.
Quotes can vary by 3% on the same day for the same buyer. How a "low" rate hides points and junk fees — and why APR is the consumer disclosure that levels the playing field.
Products
DSCR, bank statement, asset depletion, non-warrantable condos.
The old Fannie/Freddie box doesn't fit every buyer. A plain-English tour of the in-house products Rate underwrites, closes, and funds directly.