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Before you start house hunting, getting preapproved for a mortgage can make all the difference. At KC Mortgage Duo, we believe in making every step clear—preapproval shows you exactly how much you can borrow by reviewing your credit, income, debts, and assets. This isn’t just paperwork: a preapproval letter gives your offer real strength with…

Indigenous Peoples’ Day celebrates, recognizes, and honors the beautiful traditions and cultures of the Indigenous People We take a stand for and support the indigenous people on this day. We should also offer our support to those who invest and uplift the indigenous communities.

With mortgage rates holding steady above 7%—the 30-year fixed currently sitting at 7.12%—it’s understandable to feel cautious about making a move. Inflation and recent Fed decisions have kept rates elevated, but there’s more to the story for buyers this fall. We’re seeing home prices drop about 5% compared to summer, and a slower market with…

We know firsthand how tight lending standards have become, with home sales sitting near a 31-year low—something we see affecting families across our KC communities. High mortgage rates and rising costs are real hurdles, especially for those working hard to qualify. While new credit scoring models that count rent and utility payments are a welcome…

As we guide our clients through the path to homeownership, we’re always focused on the factors that shape affordability. Across the U.S., what really matters isn’t just one thing, but the way lower mortgage rates, steady income growth, and a slowdown in home-price increases work together to create opportunities. The affordability index takes a close…

We know how important it is to have clarity when planning your next move—whether you’re buying your first home, investing, or considering a refinance. Right now, mortgage rates are holding steady near 7%, and unless inflation eases enough to shift the Fed’s approach, we may see these rates persist through the end of the year.…

With mortgage rates holding above 7% and the market watching closely for the Fed’s next steps, many future homeowners are feeling the squeeze on affordability. At KC Mortgage Duo, we’ve seen how higher Treasury yields can affect borrowing costs—but also how being informed can strengthen your position. A recent study suggests that if you’re planning…

Buying a home in the current market can feel daunting—especially with mortgage rates hovering near 6%. Compared to 2021, that’s a 33% reduction in purchasing power, making every dollar count more than ever. We’ve seen firsthand how factors like credit scores, private mortgage insurance, and overall debt can shape your monthly payment and long-term costs.…

When it comes to making that first move toward homeownership, understanding your down payment options is key. In 2025, we saw the median down payment for U.S. homebuyers land at 19%. For first-timers, it averaged around 10%, while repeat buyers typically put down 23%. The type of loan you choose can impact these numbers—some programs…

Forecasting mortgage rates is always a key concern for anyone considering homeownership, and we know how important it is to make sense of the numbers. Recent data-driven projections show that mortgage rates, which track closely with the 10-year U.S. Treasury yield, are likely to hover around 6% through 2027. If the economy manages a gentle…