Blog Posts
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Consolidate Debt with a HELOC: Save Thousands
With credit card APRs averaging 22–25% and U.S. credit card debt hitting a record $1.3 trillion, millions of homeowners are…
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Spring Cleaning Season Is Here — Let’s Make It Actually Happen This Year 🌸
Ah, spring. The birds are singing, the flowers are blooming, and somewhere under that pile of mystery mail on your…
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HELOC vs. Cash-Out Refi: Which Is the Smarter Move Right Now?
If you’ve built up equity in your home, you’re sitting on a powerful financial tool. The question most homeowners face…
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Market Update — What the 10-Year Treasury Means for Mortgage Rates Right Now
The benchmark 10-year U.S. Treasury yield climbed to 4.37% today — and mortgage rates are following right along. The 30-year…
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The 10-Year Treasury Is Sending a Clear Signal. Here’s What It Means for Your Mortgage.
Market Update — March 26, 2026 The benchmark 10-year U.S. Treasury yield climbed to 4.37% today — its highest level…
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7 Tips for Move-Up Homebuyers in Today’s Market
You’ve built equity. Now you’re ready for more space, a better neighborhood, or a home that fits your life today.…
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Maximize Wellness: The Home Sauna Revolution in 2026
One of the hottest trends in housing in 2026 in Saunas and Wellness Rooms
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Where Rents Are Highest in America — And Why It Matters
HOUSING MARKET March 24, 2026 · 5 min read Greg Rutolo | NMLS # 34860 | email gregory.rutolo@loanfactory.com Your rent…
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The Silent Retirement Crisis Hidden Inside America’s Foreclosure Surge
Record numbers of Americans are draining their 401(k)s to stay in their homes — often without realizing there are far…
Greg Rutolo | Loan Factory 