Research & Analysis
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VA Loan Limits by State and County: 2026
Veterans with full VA loan entitlement have had no VA-imposed loan limit at all since January 1, 2020, under… Read more
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Are Online Mortgage Lenders Cheaper on Closing Costs? Here’s What’s Actually Comparable
Most of what shows up in your total closing costs, appraisal, title insurance, taxes, escrow, is priced by third… Read more
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How Many Veterans Use VA Loan Benefits?
The Department of Veterans Affairs (VA) guaranteed 528,340 home loans in fiscal year 2025, a 26.9% increase over fiscal… Read more
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Nonbank Lenders Originate Two-Thirds of All U.S. Mortgages. Here’s Why
Nonbank lenders, mortgage companies that are not banks or credit unions, originated 64.2% of home purchase loans in the… Read more
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Best Mortgage Lenders With the Lowest Rates in 2026, According to Real Data
Most mortgage rate comparisons are built on advertised rates, numbers lenders carefully calibrate to look competitive while burying the… Read more
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2025 mortgage interest rate forecast
See how Tomo Mortgage’s head of Capital Markets breaks down the latest mortgage rate forecasts, predictions, and outlooks for… Read more
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Homebuyer Stress in America: 2025
Today’s mortgage rates aren’t extreme, but they feel that way to homebuyers, prolonging searches and increasing stress. The real… Read more
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How the biggest lenders quietly drove up mortgage fees and why it matters for homebuyers
Mortgage fees have climbed in recent years—but not evenly. New data from Tomo TrueRate shows that the largest mortgage… Read more
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California mortgage rate forecast: 2025
See how Tomo Mortgage’s head of Capital Markets breaks down the latest mortgage rate forecasts, predictions, and outlooks for… Read more
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North Carolina mortgage rate forecast: 2025
See how Tomo Mortgage’s head of Capital Markets breaks down the latest mortgage rate forecasts, predictions, and outlooks for… Read more
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Ripoff Rates: Cost of picking an overpriced lender grows 3.5x since 2018
A lot of people assume that all mortgage lenders offer the same rates. After all, interest rates are set… Read more
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Report: How climate risk shapes property values across the U.S.
Download the report As extreme weather events and climate change increasingly captures the attention of homebuyers in the U.S.,… Read more
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Will home prices ever drop?
OK, homes are really, really expensive right now. Affordability is rough in cities like Denver or Washington DC but… Read more
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Will the housing market crash? Here’s what you need to know
Let’s be real—there’s a lot of fear-mongering in the media about a housing crash. You’ve probably seen headlines like… Read more
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What’s the average age of a first-time homebuyer?
You might be asking: if I don’t own a home by the time I’m 30 am I totally failing… Read more
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Trump vs. Harris: Who has a better plan for homebuyers?
Over the past 5 years, home prices have surged by over 50%. It’s no surprise that presidential candidates, Kamala… Read more
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Agent commissions post-NAR’s disclosure: what you need to know
Starting August 17, 2024, the real estate commission landscape is changing big time. The NAR (National Association of Realtors)… Read more
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On the Market: Waterfront Homes in Florida
There are so many places to own a waterfront home in Florida, the choices can be overwhelming. We help… Read more
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On the Market: Waterfront Homes in California
Huntington Beach, Mission Viejo, Newport Beach and San Clemente are the four waterfront towns we highlight in California. Read more
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On the Market: Waterfront Homes in New York
We have created a short-list of waterfront homes for sale in New York State and included some tips for… Read more