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Mortgage Education

🏡 The Fed Doesn’t Set Mortgage Rates — Here’s What Really Drives Them

Home Buying Mortgage Advice Mortgage Tips St. Louis Mortgages // admin // October 9, 2025 // no comments

A St. Louis mortgage advisor meeting with homebuyers near the Gateway Arch, discussing mortgage rates and loan options.

Many believe the Fed sets mortgage rates — but it doesn’t. Learn what actually drives mortgage rates, and how St. Louis buyers can benefit.

The new TILA / RESPA (TRID) mortgage disclosure

Credit & Debt Educational // admin // March 13, 2015 // no comments

The following post is mostly applicable to real estate agents

Dear Real Estate Partners,

I received an email earlier today from a lender with whom I’ve been working for over ten years. They suggested that we email this important information to our realtor partners, with the link to NAR’s post and video. Here it goes:
Today’s Important Message:
For once. For the first time in recorded…

Conventional vs. FHA financing: Which is Cheaper? | St. Louis

Educational // admin // March 12, 2012 // no comments

The U.S. Department of Housing and Urban Development (HUD) announced on February 27 that mortgage insurance premiums on FHA loans are set to rise starting April 1, increasing the cost of these mortgages to all new purchase and refinance borrowers.

Lenders say that borrowers who can qualify for conventional financing may actually find the monthly payments are lower (even if they must…