Blog Posts
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Best Home Improvements Before Selling: Projects That Attract Multiple Offers
Strategic home improvements that maximize your sale price — including the high-ROI projects that attract multiple offers and the money-wasting…
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Why an Investment Property May Be Your Smartest Retirement Asset
Stocks fluctuate. Pensions are rare. But brick and mortar has funded comfortable retirements for generations. Here’s a clear-eyed look at…
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HELOC Explained: Calculate Your Interest-Only Payments Quickly
Learn how to calculate monthly interest-only payments on a Home Equity Line of Credit (HELOC). Discover how a HELOC can…
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How Credit Scores Impact Your Mortgage Costs
You’ve been saving for a down payment. But this three-digit number could end up mattering just as much — maybe…
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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…
Greg Rutolo | Loan Factory 