KNOWLEDGE CENTER

Thinking about buying, selling, or refinancing in 2026? Here’s what today’s mortgage rates, home prices, and Fed policy mean for you—and how to take advantage of it.

OnPoint Mortgage, LLC aims to make the home loan process simple and transparent by helping borrowers understand key costs such as mortgage points and closing costs.

Our late-2025 look at the Fed, mortgage rates, and what buyers and homeowners should consider. For current conditions, see our 2026 Housing Market Outlook.

Refinancing now could save you thousands. Learn why waiting for lower rates might cost more than it saves, and explore smart mortgage options from OnPoint.

In today’s competitive market, time isn’t just an inconvenience—it’s leverage. The faster you can close, the stronger your offer looks, the smoother the process feels, and the less risk there is of losing the home you’ve fallen in love with. At OnPoint Mortgage, LLC, speed of closing isn’t just a perk—it’s part of our identity.

You don’t need 20% down to buy a home. Many buyers can qualify with just 3%, 3.5%, or even 0% down. While 20% has its benefits, it’s not a requirement, and saving that much could delay homeownership unnecessarily. Focus on the right strategy, not just the down payment.

The fundamental distinction is that a bank's job is to sell its own products, while a broker's job is to put your goals first and find the best fit from a wide range of options.