Howard Financial @HowardFinancial

Why a Home With a Shared Septic System Can Complicate Mortgage Financing: A home can look perfect during a showing, but certain features of the property may create questions when it comes time to secure a mortgage. One situation buyers may not anticipate is… dlvr.​it/TVv6SQ

What’s Ahead For Mortgage Rates This Week – October 12th, 2026: The FOMC Minutes and Consumer Sentiment report were the most impactful calendar items last week, further reinforcing the Federal Reserve's resolve to bring inflation down to its 2% target rate. dlvr.​it/TVtL5M

Why Buying a Home From a Family Member Can Make the Mortgage More Complicated: Buying a home from a parent, grandparent, sibling, or another relative may seem easier than purchasing from a stranger. You already know the seller, may know the property's history,… dlvr.​it/TVrZzZ

What Happens to Your Mortgage When the Home Has an Unfinished Addition?: You find a home you love, but there is one unusual feature. Maybe the previous owner started adding a bedroom and never finished it. Perhaps a bathroom is partially remodeled, a garage… dlvr.​it/TVqll5

Why the Source of Your Down Payment Can Matter as Much as the Amount: You have calculated your down payment and know exactly how much money you plan to bring to the purchase. That is an important step, but there is another question buyers sometimes overlook:… dlvr.​it/TVpySF

Why Your Mortgage Approval Can Change When the Home Has an Accessory Dwelling Unit: An accessory dwelling unit can make a property especially appealing. A detached guest house, converted garage, basement apartment, or backyard unit might provide space for… dlvr.​it/TVp7Xc

What’s Ahead For Mortgage Rates This Week – October 5th, 2026: While the Core PCE Index came in at 3.​0%, below the expected 3.​3%, overall inflation remains well above the Federal Reserve's 2% target. With inflation still running above the Federal Reserve's… dlvr.​it/TVnKB7

What Happens When Your Closing Date Gets Pushed Back?: You scheduled the movers, arranged time off work, started packing, and expected to receive the keys on Friday. Then you learn that closing needs to be delayed. Even a short change in the closing date can… dlvr.​it/TVlLGp

Why the Money in Your Bank Account May Need a Paper Trail Before Closing: Having enough money in the bank is an important part of buying a home, but during the mortgage process, the amount in your account may not be the only consideration. In certain situations,… dlvr.​it/TVkP64

Why Changing Jobs for More Money Can Still Complicate a Home Purchase: Getting a new job with a higher salary sounds like good financial news, especially when you are preparing to buy a home. But if the change happens while you are applying for a mortgage, the… dlvr.​it/TVjWZr

How a Seller Credit Can Change the Cash You Need Without Changing the Home’s Price: When buyers negotiate the purchase of a home, price often gets most of the attention. But the final sales price is not the only number that can affect how much money a… dlvr.it/TVhhLm

What’s Ahead For Mortgage Rates This Week – September 28th, 2026: With a light week the previous week, only a few data reports will have any far reaching impact, with the M2 money supply and the Federal Reserve Balance sheet giving the most insight. dlvr.it/TVgstB

Why a Condo’s Finances Can Matter Almost as Much as Yours When Getting a Mortgage: When applying for a mortgage, buyers expect their income, credit, debts, assets, and employment to receive plenty of attention. Condo buyers can encounter another layer… dlvr.it/TVf0dj

What Happens When the House You Want Has a Solar Loan Attached to It?: Solar panels can be an appealing feature when shopping for a home, especially for buyers interested in energy efficiency. But seeing panels on the roof does not tell you who owns them… dlvr.it/TVdB2Q

Could Paying Off a Debt Before Applying for a Mortgage Actually Be the Wrong Move?: Paying off debt sounds like an obvious way to prepare for a mortgage. After all, fewer monthly obligations can improve cash flow and potentially help with mortgage… dlvr.it/TVcHzm

Why Your First Mortgage Payment Might Be Farther Away Than You Expect: After closing on a home, buyers may be surprised to discover that their first regular mortgage payment is not necessarily due a few weeks later. Depending on the closing date, there… dlvr.it/TVbS40

What’s Ahead For Mortgage Rates This Week – September 21st, 2026: Expectations that the Federal Reserve would raise rates to combat significant inflation have come to pass, with a modest 0.25% increase in the rate. The Federal Reserve has stated that it… dlvr.it/TVb1Pl

How Buying a Home With Someone You Are Not Married To Changes the Financial Conversation: Buying a home with a partner, friend, sibling, or other person can make homeownership possible sooner and allow two people to combine their financial resources. But… dlvr.it/TVWq0H

What Happens to Your Mortgage Options When a Home Does Not Appraise as Expected?: You have negotiated a purchase price, your offer has been accepted, and the mortgage process is moving forward. Then the appraisal comes back lower than expected. For… dlvr.it/TVVybK

Why the Type of Property You Buy Can Affect Your Mortgage Options: When buyers start thinking about mortgage options, they often focus on their own finances: income, credit, debts, savings, and down payment. But there is another part of the equation that… dlvr.it/TVV4CP