The Mortgage Files

Nationally syndicated mortgage news and advice from Senior Loan Officer Scott Sheldon.

On Hold or Just Unsure? Why You Wanted to Buy in the First Place

By Scott Sheldon / March 12, 2026

Every so often, someone gets pre-approved, looks at homes, runs numbers… and then says, “We’re going to press pause.” That’s okay. But before going on hold, there’s an important question worth asking: What made you want to buy a home in the first place? Because most people don’t wake up randomly and decide to take…

Should You Buy a Home Now Or Wait for Lower Rates in 2025?

By Scott Sheldon / April 10, 2025

Should you Buy a Home Now at 6.5% to 7% Interest, or Wait? Let’s address the elephant in the room: mortgage interest rates. If you’re asking, “Are rates going to drop soon, or should I buy now at 6.5–7%?” you’re not alone. This question is everywhere right now, and honestly—it’s a fair one. Rates have…