https://www.7lockslending.com/blog daily 0.75 2025-12-18 https://www.7lockslending.com/blog/what-would-make-adjustable-rate-mortgages-arms-more-attractive-again monthly 0.5 2025-12-18 https://www.7lockslending.com/blog/what-do-fed-rate-cuts-mean-for-mortgage-rates monthly 0.5 2025-12-10 https://images.squarespace-cdn.com/content/v1/641c9ce62c60520d1e405abd/1765377783724-68DTF997V70U7JXS4RZX/unsplash-image-UqILKDhWiFw.jpg Blog - What Do Fed Rate Cuts Mean For Mortgage Rates? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/641c9ce62c60520d1e405abd/12fab41d-3a46-4557-9fea-89a22891206f/Fed+and+Mortgage+Rates.jpg Blog - What Do Fed Rate Cuts Mean For Mortgage Rates? - Make it stand out * See outline below for explanation. https://www.7lockslending.com/blog/escrow-accounts monthly 0.5 2025-09-25 https://www.7lockslending.com/blog/what-does-the-one-big-beautiful-bill-mean-for-mortgages-and-housing monthly 0.5 2025-08-19 https://images.squarespace-cdn.com/content/v1/641c9ce62c60520d1e405abd/e97550e4-ed2c-40c5-b30f-cada930f53af/One+Big+Beautiful+Bill.jpg Blog - What does the One Big Beautiful Bill mean for mortgages and housing? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.7lockslending.com/blog/due-diligence-fee-vs-earnest-money-deposit monthly 0.5 2025-07-28 https://images.squarespace-cdn.com/content/v1/641c9ce62c60520d1e405abd/f331124b-7bf6-4f49-832d-2361285d6c57/Due+Dil+vs+EMD+Chart.jpg Blog - Due Diligence Fee vs. Earnest Money Deposit - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/641c9ce62c60520d1e405abd/e2fb6ce2-c213-47a2-8f9d-1da5ed3ef03a/Due-Diligence-Period-Consumer-Version-10.16.20_Page_1.jpg Blog - Due Diligence Fee vs. Earnest Money Deposit - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/641c9ce62c60520d1e405abd/86d931d3-aa0a-4ecb-917b-967cb83d1242/Due-Diligence-Period-Consumer-Version-10.16.20+Pg2_Page_2.jpg Blog - Due Diligence Fee vs. Earnest Money Deposit - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.7lockslending.com/blog/sustainability-summit-2025 monthly 0.5 2025-07-22 https://images.squarespace-cdn.com/content/v1/641c9ce62c60520d1e405abd/b086e930-217d-4d3b-8d67-3b69c35157f2/Sustainability+Summit+Vendor+Registration+%281%29.jpg Blog - Sustainability Summit 2025 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.7lockslending.com/blog/is-buying-still-cheaper-than-renting-just-one-metro-calls-yesfor-now monthly 0.5 2025-07-17 https://www.7lockslending.com/blog/big-change-coming-to-mortgage-credit-reports monthly 0.5 2025-07-09 https://www.7lockslending.com/blog/seller-concessions monthly 0.5 2025-06-25 https://images.squarespace-cdn.com/content/v1/641c9ce62c60520d1e405abd/86eed2b1-7e77-4833-bcc8-bf2d89caef18/Seller+Concessions.jpg Blog - Seller Concessions (Paid Closing Costs) - Make it stand out Concession Guidelines by Loan Program https://www.7lockslending.com/blog/how-to-avoid-trigger-leads monthly 0.5 2025-06-03 https://images.squarespace-cdn.com/content/v1/641c9ce62c60520d1e405abd/1748979495130-8ZLWCEX0XV1MBQ8QQAE9/unsplash-image-WEDDt-u3q3o.jpg Blog - How To Avoid Trigger Leads If you've recently applied for a mortgage or had your credit pulled by a lender, you may have noticed an influx of unsolicited calls, texts, or emails from other lenders offering competing loan products. What you're likely experiencing is the result of a marketing practice known as trigger leads. https://www.7lockslending.com/blog/new-area-median-incomes-for-2025 monthly 0.5 2025-05-19 https://images.squarespace-cdn.com/content/v1/641c9ce62c60520d1e405abd/9073e25d-fdfd-43cc-bc86-e2b15d80022d/2025+Area+Median+Incomes.jpg Blog - New Area Median Incomes for 2025 - Make it stand out * Source: Fannie Mae - Income Lookup Tool https://www.7lockslending.com/blog/student-loan-changes monthly 0.5 2025-04-25 https://www.7lockslending.com/blog/home-value-performance-during-and-after-recessions monthly 0.5 2025-04-08 https://images.squarespace-cdn.com/content/v1/641c9ce62c60520d1e405abd/92c5ccec-76d3-45a9-8f4e-8ba69603c733/Home+Values+After+Recession.png Blog - Home Value Performance During and After Recessions - Make it stand out Source: MBS Highway / Case-Shiller 4/3/25 https://www.7lockslending.com/blog/1mgkvxjqkvu8yplhorztae8gdty71d monthly 0.5 2025-04-08 https://www.7lockslending.com/blog/fed-day-comes-and-goes monthly 0.5 2025-01-29 https://images.squarespace-cdn.com/content/v1/641c9ce62c60520d1e405abd/d92ad36e-75e0-4dc5-9238-367f97fa8b35/Fed+Day+1-29.jpg Blog - Fed Day comes and goes! - Make it stand out Perspective on the direction of mortgage rates. https://www.7lockslending.com/blog/what-do-i-need-for-my-taxes monthly 0.5 2025-01-28 https://images.squarespace-cdn.com/content/v1/641c9ce62c60520d1e405abd/6b3ea7d2-5895-4ff6-bfdc-e741031ce5f8/Tax+Time.jpg Blog - What do I need for my taxes? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.7lockslending.com/blog/special-purpose-credit-program-down-payment-assistance monthly 0.5 2025-01-31 https://images.squarespace-cdn.com/content/v1/641c9ce62c60520d1e405abd/6eef4bba-0064-4e3f-90cf-bd6c92d25ccc/HomeReady+First+-+MSAs.png Blog - Are You a First Time Home Buyer Relocating? $6,500 could be yours! - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.7lockslending.com/blog/2025-housing-and-mortgage-rates-forecast monthly 0.5 2025-01-16 https://images.squarespace-cdn.com/content/v1/641c9ce62c60520d1e405abd/28e4b8fb-8355-4af5-8ce7-b7e7ad1cfd04/2025+MBS+Forecast.jpg Blog - 2025 Housing and Mortgage Rates Forecast - Make it stand out Information is opinion only. https://www.7lockslending.com/blog/should-i-wait-for-future-fed-rate-cuts-before-refinaning monthly 0.5 2024-09-17 https://images.squarespace-cdn.com/content/v1/641c9ce62c60520d1e405abd/1726601238380-F5LQKFUAUAMTRX42ZPHN/unsplash-image-5fNmWej4tAA.jpg Blog - Should I Wait For Future Fed Rate Cuts Before Refinaning? - This is the million-dollar question. Rates have dropped, and industry experts suggest that these lower rates already account for the expected Fed rate cut. Will we see more movement after the Fed acts? What about potential future rate cuts in the coming months or a year from now? The answer depends on your current rate and the potential savings you could realize now versus waiting. While you don't want to be a serial refinancer, there’s no reason you can’t refinance again if rates drop low enough to make it worthwhile. https://images.squarespace-cdn.com/content/v1/641c9ce62c60520d1e405abd/1726601465009-KJKMCR8X72N376IMFG5E/unsplash-image-yIIFNiEKkYI.jpg Blog - Should I Wait For Future Fed Rate Cuts Before Refinaning? - 3 Key Points: How much do you lose in the monthly payment savings while you wait? How much higher interest do you pay while you wait? What could the savings do if you applied it to other needs? https://images.squarespace-cdn.com/content/v1/641c9ce62c60520d1e405abd/1726601785256-EBGKWC8S903DF2EZ0MQX/unsplash-image-gcsNOsPEXfs.png Blog - Should I Wait For Future Fed Rate Cuts Before Refinaning? - Factors To Consider: Current vs. Expected Rates: Predicting what rates will do in the future comes with uncertainty. Trying to time the market for the lowest point is not a winning formula. Your Financial Situation: Evaluate your current mortgage terms, including the interest rate, remaining balance, and how long you plan to stay in your home. Compare these with potential new terms. Market Trends: Keep an eye on broader economic trends and how they might affect mortgage rates. Sometimes, rates might not drop as much as expected even after a Fed cut due to other economic factors. Refinancing Costs: Consider the costs associated with refinancing, such as discount points and closing costs. Do the potential savings outweigh these costs. A low cost loan means there is less risk should rates drop further and you want to refinance again. There are no free loans; however, there are ways to structure that minimize the cost. The PAR Interest Rate means that there are no Discount Points charged but you do pay other closing costs such as lender fees, appraisal, closing attorney, etc. If you select a slightly higher than PAR rate, a discount credit will be offered which is a credit in the form of a dollar amount used to offset closing costs. For example, let’s say you can get a 5.5% par rate and the closing costs are $2,500. At 5.75%, you may receive a credit that translates to $2,500 to offset the closing costs. Review your options with a mortgage professional. https://www.7lockslending.com/blog/nar-settlement-agent-commissions-and-impact-on-buying-a-home monthly 0.5 2024-08-05 https://www.7lockslending.com/blog/wake-county-property-tax-bills-have-arrivedouch monthly 0.5 2024-08-01 https://images.squarespace-cdn.com/content/v1/641c9ce62c60520d1e405abd/1722525990756-QLIDOH9SQI7WBOV6YF03/unsplash-image-05XcCfTOzN4.jpg Blog - Wake County Property Tax Bills Have Arrived…Ouch!!! - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.7lockslending.com/blog/home-equity-loan-vs-home-equity-line-of-credit monthly 0.5 2024-07-22 https://www.7lockslending.com/blog/what-is-a-recast monthly 0.5 2024-07-16 https://www.7lockslending.com/blog/home-appreciation-remains-strong monthly 0.5 2024-06-06 https://images.squarespace-cdn.com/content/v1/641c9ce62c60520d1e405abd/c0b53e4c-30cf-451e-b25f-a413f35f8f60/Home+Appreciation+April+-+Core+Logic.jpg Blog - Home Appreciation Remains Strong - Make it stand out *Source: CoreLogic https://www.7lockslending.com/blog/wealth-creation-through-housing monthly 0.5 2024-05-07 https://images.squarespace-cdn.com/content/v1/641c9ce62c60520d1e405abd/3a3197f2-fdbc-449e-87da-7ecc1daf5ea9/7%25.jpg Blog - Wealth Creation through Housing - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.7lockslending.com/blog/get-a-little-spring-in-your-step-if-you-are-planning-on-buying-this-spring monthly 0.5 2024-03-12 https://www.7lockslending.com/blog/worried-about-increases-to-property-tax-and-homeowners-insurance-in-wake-county-nc monthly 0.5 2024-03-02 https://images.squarespace-cdn.com/content/v1/641c9ce62c60520d1e405abd/e1721f0a-8624-4726-8427-fc940fd64266/Wake+Co+Revenue+Calc+Data.png Blog - Worried about increases to property tax and homeowners insurance in Wake County, NC? - Enter your Real Estate ID found on your Property Tax Card * Note that when you run this estimator this will only show Wake County taxes, NOT the city you are located in so your TOTAL tax bill will be higher because you have to include your city taxes. https://www.7lockslending.com/blog/are-you-a-relocating-first-time-homebuyer monthly 0.5 2025-03-27 https://images.squarespace-cdn.com/content/v1/641c9ce62c60520d1e405abd/02da0fec-ed4b-43f9-ac40-b6f27b76cd98/MSA+Map.jpg Blog - ** Program Discontinued by FHFA ** Are you a relocating First Time Home Buyer? - Current verifiable residence must be in designated MSA MSA(Metropolitan Statistical Area) Map https://images.squarespace-cdn.com/content/v1/641c9ce62c60520d1e405abd/2f34dde1-fd98-4c33-b4b2-e5253ae4f9ab/HomeReady+First+-+MSAs.png Blog - ** Program Discontinued by FHFA ** Are you a relocating First Time Home Buyer? - MSA - City Listings Contact us to do a specific address search. stevew@7lockslending.com https://www.7lockslending.com/blog/tax-time-is-here-what-do-you-need monthly 0.5 2024-01-19 https://www.7lockslending.com/blog/property-tax-assessments-wake-county monthly 0.5 2024-01-19 https://www.7lockslending.com/blog/did-you-purchase-a-home-in-2023-with-a-higher-interest-rate monthly 0.5 2023-12-29 https://www.7lockslending.com/blog/should-you-buy-or-sell-during-the-holidays monthly 0.5 2023-12-02 https://www.7lockslending.com/blog/columbus-day-celebrate-exploration monthly 0.5 2023-10-09 https://images.squarespace-cdn.com/content/v1/641c9ce62c60520d1e405abd/08dbe8ce-afb3-42e6-bf70-6e29472229a5/Santa+Maria+Trip+Pic.JPG Blog - Columbus Day - Celebrate Exploration - Celebrate Explorers Past and Present. Santa Maria replica docked at Madeira Island, Portugal. https://images.squarespace-cdn.com/content/v1/641c9ce62c60520d1e405abd/2dd7e160-fb53-4fb6-814e-5422bce693da/Steve+Portugal.JPG Blog - Columbus Day - Celebrate Exploration - Make it stand out Lisbon, Portugal - The Portuguese were history’s early explorers with a huge impact on the world. https://images.squarespace-cdn.com/content/v1/641c9ce62c60520d1e405abd/62c08a8d-affb-420c-81b4-4a3fc671b203/Heliosphere.png Blog - Columbus Day - Celebrate Exploration - Make it stand out Voyager Mission - Traveling beyond our planets over 14 Billion miles away launched in 1977 and still going! https://images.squarespace-cdn.com/content/v1/641c9ce62c60520d1e405abd/0aeff40d-d213-4a3d-8c7b-97f5b368f6e6/Veredo+do+Pico+Ruivo.JPG Blog - Columbus Day - Celebrate Exploration - Make it stand out Vereda do Pico Ruivo, Madeira, Portugal. https://www.7lockslending.com/blog/temporary-buydown-program monthly 0.5 2023-10-04 https://www.7lockslending.com/blog/choosing-a-lender-makes-a-difference monthly 0.5 2023-06-20 https://www.7lockslending.com/blog/1-down-purchase-program monthly 0.5 2024-02-20 https://www.7lockslending.com/blog/fhfa-to-update-area-medium-income-limits monthly 0.5 2023-06-05 https://www.7lockslending.com/blog/national-homeownership-month monthly 0.5 2023-06-01 https://www.7lockslending.com/blog/favorable-news-for-mortgage-rates monthly 0.5 2023-05-10 https://www.7lockslending.com/blog/2019/3/11/on-letting-go-zfyzn monthly 0.5 2023-04-06 https://images.squarespace-cdn.com/content/v1/641c9ce62c60520d1e405abd/1680798393321-5VJ0D3ZB7CNDQJ22EMOQ/iStock-1470664921.jpg Blog - Will artificial intelligence change the mortgage industry? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.7lockslending.com/blog/2019/3/11/toxic-xwg9l monthly 0.5 2023-04-06 https://images.squarespace-cdn.com/content/v1/641c9ce62c60520d1e405abd/1680813724468-R1BYFQPSIOXTIH8EC512/unsplash-image-uSPjZzYwXO4.jpg Blog - Comparing apples to apples with builder closing costs incentives - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.7lockslending.com/blog/2019/3/11/boundaries-scjzw monthly 0.5 2025-12-10 https://images.squarespace-cdn.com/content/v1/641c9ce62c60520d1e405abd/1680812797388-71FAW1627QQ9WC9VVBSA/unsplash-image-7lvzopTxjOU.jpg Blog - What do Fed rate increases mean for home mortgage rates? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.7lockslending.com/blog/2019/3/11/change-kxp65 monthly 0.5 2023-04-06 https://images.squarespace-cdn.com/content/v1/641c9ce62c60520d1e405abd/1680813187639-A94GP7ETO631GU81HU5Z/unsplash-image-OQMZwNd3ThU.jpg Blog - How to get rid of PMI - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.7lockslending.com/blog/2019/3/11/okay-to-fail-2dt9w monthly 0.5 2023-04-06 https://images.squarespace-cdn.com/content/v1/641c9ce62c60520d1e405abd/1680813333372-HITOZ5Z7MMHCSOAF5U21/unsplash-image-yIIFNiEKkYI.jpg Blog - The no closing cost loan - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.7lockslending.com/blog/2019/3/11/say-yes-9h3e3 monthly 0.5 2023-04-06 https://images.squarespace-cdn.com/content/v1/641c9ce62c60520d1e405abd/1680813507642-H3L3TTG6952DVN2UFV2I/unsplash-image-npxXWgQ33ZQ.jpg Blog - Key home refinancing facts - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.7lockslending.com/home daily 1.0 2026-03-06 https://images.squarespace-cdn.com/content/v1/641c9ce62c60520d1e405abd/70d3af43-79cb-49ee-9d12-a453d6212797/Best+mortgage+rate+north+carolina.png Home 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