Housing & Real Estate

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September 30, 2026
Boldly Financial
Analysis, Housing & Real Estate

The Week Fair Isaac’s Monopoly Broke

For decades, buying a home in America meant paying tribute to one number. Not your income, not your down payment, not your employment history. Your FICO score. If you...

September 28, 2026
Boldly Financial
Analysis, Housing & Real Estate

The 7% Mortgage Is Back, and Washington Has a $50,000 Idea About It

The average 30-year fixed mortgage rate climbed to 7.03% in the week ending September 24, according to Freddie Mac’s Primary Mortgage Market Survey (Freddie Mac). That is up from...

September 27, 2026
Boldly Financial
Analysis, Housing & Real Estate

7.49%: What the Mortgage Spike Means for Buyers, Sellers, and Everyone Renting

Imagine a young couple sitting at their kitchen table this fall, a pre-approval letter on the counter and a listing they love open on a laptop. The math worked...

September 26, 2026
Boldly Financial
Housing & Real Estate, News

Mortgage Rates Crossed 7 Percent Again. Builders Answered With Discounts.

The number landed on Thursday: 7.03 percent. That is the average 30-year fixed mortgage rate for the week ending September 24, according to Freddie Mac’s weekly survey, up from...

September 24, 2026
Boldly Financial
Guides, Housing & Real Estate

Mortgage Rates Just Hit 6.95%. Here Is How 5% Treasury Yields Reach Your Monthly Payment.

The average 30-year fixed mortgage rate climbed to 6.95% in the week ending September 17, up from 6.76% the week before and 6.26% a year ago, Freddie Mac reported....

September 21, 2026
Boldly Financial
Guides, Housing & Real Estate

Why Mortgage Rates Follow the Bond Market, Not the Fed

The question The Federal Reserve raised its benchmark interest rate to a range of 3.75 to 4 percent on September 16. So why do mortgage rates sometimes barely move...

September 19, 2026
Boldly Financial
Analysis, Housing & Real Estate

The Housing Market’s Long, Strange Freeze — and Why the Fed’s Hike Keeps It Frozen

There’s a young family I keep thinking about. Not anyone in particular — just the composite of so many people I hear from. They’re doing everything right. Two incomes,...

September 18, 2026
Boldly Financial
Housing & Real Estate

Lennar’s Warning Shot: When a 5% World Meets the American Dream

There’s a young couple — let’s call them Marcus and Elena — who spent their spring Saturdays the way so many hopeful buyers do: touring model homes, collecting glossy...

September 17, 2026
Boldly Financial
Housing & Real Estate

Oil Takes a Breather at $105 — Don’t Mistake It for Relief

The day after the Federal Reserve raised interest rates for the first time in more than three years, the price of oil did something it had not done in...

September 16, 2026
Boldly Financial
Housing & Real Estate

The Frozen American Dream

There is a particular kind of silence that falls over a “For Sale” sign when nobody is calling. A real estate agent friend of mine described it to me...