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Understanding Mortgages and Inflation and How Borrowers Can Benefit

October 28, 2025 by Rilian Ball

Inflation affects nearly every part of the economy, from grocery prices to the cost of borrowing. For homeowners and buyers, understanding how inflation impacts mortgage rates and payments can be a powerful advantage. While rising prices can feel discouraging, there are strategic ways borrowers can benefit during inflationary periods. How Inflation Impacts MortgagesWhen inflation rises, the value of money decreases, and interest rates increase. This is because lenders want to protect the value … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: Financial Planning, Inflation, Mortgages

What’s Ahead For Mortgage Rates This Week – October 27th, 2025

October 27, 2025 by Rilian Ball

While the government shutdown remains ongoing, inflation data for both the CPI and PPI has been released, indicating that inflation came in below expectations. It’s worth noting that under the new policy, more data will be simulated rather than collected from broader sources, there is still a significant degree of data collection. This was followed by the Consumer Sentiment report, which suggests that the economy may be gaining momentum again, as sentiment has risen and broken its recent … [Read more...]

Filed Under: Financial Reports Tagged With: Financial Report, Jobless Claims, Mortgage Rates

What’s Ahead For Mortgage Rates This Week – October 27th, 2025

October 27, 2025 by Rilian Ball

While the government shutdown remains ongoing, inflation data for both the CPI and PPI has been released, indicating that inflation came in below expectations. It’s worth noting that under the new policy, more data will be simulated rather than collected from broader sources, there is still a significant degree of data collection. This was followed by the Consumer Sentiment report, which suggests that the economy may be gaining momentum again, as sentiment has risen and broken its recent … [Read more...]

Filed Under: Financial Reports Tagged With: Financial Report, Jobless Claims, Mortgage Rates

How to Lower Payments Without Refinancing

October 24, 2025 by Rilian Ball

Many homeowners want to reduce their monthly mortgage payments but hesitate to refinance. Refinancing can come with closing costs, new loan terms, and time-consuming paperwork. The good news is that there are several ways to lower your payment without refinancing.  Recast Your MortgageOne option is a mortgage recast. This allows you to make a large lump-sum payment toward your principal balance, which lowers your monthly payments for the remainder of the loan. The benefit is that your … [Read more...]

Filed Under: Mortgage Tips Tagged With: Homeownership, Mortgage Savings, Mortgage Tips

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Rilian Ball


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NMLS # 202687

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Rilian Ball
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