News

Housing Tech Rundown

Realtor.com released a new feature to its home search capabilities that will let home searchers check out sound data down to the property level. The new feature, a noise indicator, is a first-of-its-kind feature among national real estate search sites, providing home shoppers with data at the property level, where others can only do so at a […]


Downpayment Assistance Can Help Bridge the Homeownership Gap

Richard Ferguson is president of CBC Mortgage Agency, a nationally-chartered housing finance agency and a leading source of downpayment assistance that helps low-income consumers, often in minority neighborhoods, achieve the dream of homeownership.Ferguson graduated from Brigham Young University with a degree in economics. He began his career as a loan officer in 1993, becoming a top […]


Mortgage Applications Skyrocket to Highest Level Since 2009 as Rates Tumble

Mortgage applications soared 55% last week from the week prior, and demand for refinances rose to an almost 11-year high, according to the Mortgage Bankers Association. The deluge came after rates fell to record lows because of uncertainty in the markets sparked by a spread of the coronavirus that causes COVID-19, said Joel Kan, an MBA economist.  “Market uncertainty […]


Here’s What it Would Take for Mortgage Rates to Sink Even Lower

Two weeks ago, I theorized for a Bankrate.com expert poll that the 10-year yield could go below 1% if headlines about coronavirus in the U.S. got worse.  Within those two weeks, the news did get worse, and this resulted in panic bond buying. Last week, I discussed for the first time in this cycle what I believe the 10-year […]


A Loan Officer’s Guide to Millennial Homebuyers

Social. Entitled. Tech-savvy. Creative.  However you might choose to describe them, there’s no doubt Millennials are playing a more critical role in the housing market than ever. And for community banks and credit unions, understanding them can be the difference between winning their business and losing it to fintech challengers. Millennials account for more than a […]


Mortgage Rates Plummet to 50-Year Low

Freddie Mac released the results of its Primary Mortgage Market Survey (PMMS), showing that the 30-year fixed-rate mortgage (FRM) averaged 3.29 percent this week, the lowest rate in the survey’s history which dates back to 1971. “The average 30-year fixed-rate mortgage hit a record 3.29 percent this week, the lowest level in its nearly 50-year history. […]


12 Spring Fix-Ups that Save You Money

1. Stain the Fence Photo by Barbeau Engh/California Redwood Association Why Now: Sunlight degrades the lignin that bonds wood fibers, allowing water to penetrate and causing the surface to gray. A semitransparent stain fortified with UV blockers can halt damage while giving pressure-treated pine a warm tone that mimics pricey hardwood. How to Do It: Knock debris […]


Hiring for the Sake of Diversity is not Enough

Today, women hold more public offices than at any point in history. For example, Chancellor of Germany Angela Merkel, Prime Minister of Bangladesh Sheikh Hasina, Prime Minister of Finland Sanna Marin, Prime Minister of New Zealand Jacinda Ardern, President of Singapore Halimah Yacob – these ladies are no longer anomalies. They are part of a […]


Response to Coronavirus

With the growing concern over the Coronavirus (Covid-19), Certified Credit is fully prepared to continue to provide you with excellent service, while ensuring the health and welfare of our team members. Certified Credit has the tested capability for our workers to work remotely and will implement on an as-needed basis with no impact to our […]


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