What Really Moves Mortgage Rates in 2026?
Rich FlaneryPublished on: 25/02/2026
Mortgage rates aren't set by the Fed or 10-year Treasury. Learn how mortgage-backed securities drive rates and why waiting costs money.
Mortgage & Real Estate
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Rich Flanery
Mortgage Rates Hit a Three-Year Low—and the Window Is Quietly Open
Rich FlaneryPublished on: 21/01/2026
Mortgage rates hit three-year lows with refinance applications up 128% year-over-year. Learn when refinancing makes sense and how to evaluate your opportunity.
Mortgage & Real Estate
Why Housing Affordability Needs a Bigger Fix
Rich FlaneryPublished on: 18/12/2025
Discover why 50-year mortgages won't solve housing affordability. Learn the real issues: excessive fees, bloated regulation, and mortgage rate structures that need reform.
Mortgage & Real Estate
"Portable Mortgages": Great Soundbite, Bad Fit for Today's System
Rich FlaneryPublished on: 11/12/2025
Discover why portable mortgages sound good but don't fit the U.S. mortgage-backed securities system. Learn how blockchain could enable portable mortgages in the future.
Mortgage & Real Estate