Before you pop the champagne to ring in 2026, there are a few strategic moves you can make right now that will pay off big time in the new year. Whether you are planning to buy a home next year, refinance, or just want to start 2026 on solid financial footing, here is your end-of-year checklist:

Refinancing your mortgage can feel like a maze. You want to save money, but the process seems complicated. Don’t worry! With the right strategies, you can make smart moves that put more cash in your pocket and reduce your stress (along with your monthly payments).Town Team Mortgage is here to guide you through the best options. Barry and Zach offer top-notch customer service, a wide range of loan products, and the lowest rates around.

Thinking about buying a home in 2026? 🏡 Start strong with these 5 smart steps—from boosting your credit score to getting pre-approved. #HomeBuyingTips #MortgageMadeEasy #TownTeamMortgage

As we close out 2025, the mortgage market is entering a period of relative calm. After months of volatility driven by inflation reports, Federal Reserve decisions, and shifting housing demand, December is shaping up to be a month of stability. For buyers, sellers, and homeowners, this pause offers a chance to reassess strategies and prepare for the opportunities that 2026 may bring. 📉 Mortgage Rates: Holding Steady After Autumn Swings 30-Year Fixed Rates:  After dipping in N

Happy Thanksgiving Week from Town Team Mortgage! As you may have heard, the recent government shutdown (which ended on Nov 12) has created a significant backlog in Washington. The result? The massive data feast we were expecting has been largely postponed. Here is what you need to know about this unusual week and how to use it to your advantage.

Shopping for a mortgage can feel like a maze. You’re bombarded with numbers, terms, and offers that all seem to blur together.

The new week brings a modestly improving backdrop for buyers and homeowners. Rates eased from recent peaks, inventory is trending higher than last year, and the Federal Reserve cut its policy rate by 25 basis points

Buying a home is a big deal, and picking the right mortgage loan can feel overwhelming. Town Team is here to help you through every step!

Mortgage rates just dropped to their lowest point in nearly a year, creating an opening for both buyers and refinancers. Here’s what’s driving the change and how to act strategically before the window closes.

Buying a home is a big deal, and qualifying for a loan can feel like a maze. But it doesn’t have to be that way. With the right info and a trusted partner like Town Team Mortgage, you can cut through the confusion and get the keys to your new place faster. Barry and Zach at Town Team Mortgage are pros who know the ins and outs of the mortgage world. They’re here to help you find the best rates, loan options, and customer service you deserve. Let’s break down what you need to

As the government shutdown stretches into its second week, Americans are noticing more than just empty desks at federal buildings. The ripple effects are touching everything from economic data releases to court schedules; and even this month’s view of the night sky.

At 12:01 a.m. on October 1, 2025, federal funding lapsed, triggering a government shutdown.  This is the first shutdown since 2018–2019.

The housing and mortgage landscape is at an inflection point. Borrowing costs, supply shifts, and buyer behavior are all in flux. For buyers, sellers, and refinancers alike, understanding where we stand now (and where we may go) is essential.

Tips for Choosing the Best Mortgage Option for You Picking the right mortgage isn’t just about the lowest rate. Here are some practical tips to help you decide.

The Federal Reserve announced a 0.25% rate cut this week (the first in years). While small, the move marks a turning point in monetary policy. For homebuyers, homeowners, and anyone managing debt, it’s worth taking a closer look at how this shift could impact your wallet.

The dog days of summer are here. Mortgage market keeps shifting, but the skies over Chicago this weekend promise a show worth looking up for. Whether you're checking out open houses or camped out by the lakefront, here’s your quick update on what’s happening in housing, the economy, and our hometown.

August 2025 Market Pulse: Opportunity Amid Uncertainty for Buyers & Homeowners. The U.S. housing market continues its complex evolution; marked by easing mortgage rates, slow-building inventory, and fragmented regional trends. For those prepared, it could be a moment to act with optimism and confidence.

With summer in full swing, the latest economic data offers a mixed but encouraging picture for current and future homeowners.

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July 2025 Financial Check-In: What Smart Homebuyers Should Know Right Now