Author: Heidi

New Super Jumbo Loan: Finance Up to $5M

In today’s dynamic real estate market, traditional loan limits often fall short for luxury buyers, investors, and high-income clients. That’s why Scout Lending is proud to introduce a new Super Jumbo loan program, offering financing up to $5 million with 30-year fixed-rate terms for purchases, refinances, and cash-out transactions. This powerful new product is designed […]

Housing Market Inventory: Key Insights for Homebuyers

As of April 2025, the U.S. housing market is shifting, with housing market inventory levels rising and noticeable changes happening across different regions. For buyers and borrowers, this changing landscape may present new opportunities if you know where to look and how to act. National Inventory Trends Housing inventory has increased by 30.9% year-over-year (as […]

Mortgage Application Surge as Interest Rates Continue to Decline

The mortgage market is experiencing a significant boost as interest rates continue to decline, leading to a mortgage application surge for both home purchases and refinancing. According to the Mortgage Bankers Association’s (MBA) weekly mortgage applications survey for the week ending March 7, 2025, mortgage applications rose by 11.2% on a seasonally adjusted basis compared […]

First-Time Home Buyers: Your Guide to Buying a Home in 2025

Buying your first home is an exciting milestone, but the process can also feel overwhelming—especially for first-time home buyers—with changing market trends, mortgage rates, and new real estate policies in 2025. If you’re considering purchasing your first home this year, it’s crucial to be well-prepared and informed about what to expect. This guide will walk […]

VA Construction Loan: Everything You Need to Know to Get Started

For many veterans and active-duty service members, homeownership is a significant milestone. Many know VA loans help buy homes, but they can also finance new home construction. This is where the VA Construction Loan comes in—a powerful option that allows eligible veterans to build a home from the ground up with little to no down […]

Mortgage Refinance: Unlock Your Financial Freedom

Your home is more than just a place to live—it’s one of your biggest financial assets. At Scout Lending, we understand that life changes quickly, and so do your financial goals. Whether you want to lower your monthly payment, shorten your loan term, or access home equity, mortgage refinance can help. It could be the […]

Mortgage Rates: How the Bond Market Signals Lower Rates Ahead

If you’re a homebuyer, homeowner, or investor, you may have heard recent discussions about the Federal Reserve potentially cutting interest rates in 2025. But did you know that the bond market plays a major role in influencing those decisions—and ultimately, the mortgage rates that affect your home financing? Understanding this connection can help you anticipate […]

Mortgage Requirements: How to Secure Approval in 2025

Buying a home is one of the most significant financial milestones in life, but qualifying for a mortgage can sometimes feel overwhelming—especially when it comes to mortgage requirements and income requirements. Lenders use specific criteria to determine if you can afford a loan, and understanding these requirements can help you prepare for a smooth mortgage […]

State Farm’s Rate Hike Rejected: Impact on the Real Estate Market

California Insurance Commissioner Ricardo Lara has denied State Farm’s request for emergency rate hikes, setting the stage for a major showdown between the state’s largest home insurer and regulatory authorities. State Farm’s Rate Hike proposal has ignited debate among industry experts, consumer advocates, and homeowners, many of whom are already struggling with home insurance availability […]

Home Loans for Teachers: Mortgage Programs

Teachers play a crucial role in shaping the future, yet many struggle to afford homes due to rising housing costs. Fortunately, several mortgage programs, grants, and home loans for teachers are available to help educators become homeowners. In this guide, we’ll cover the best teacher mortgage programs, how to find them, eligibility requirements, and tips […]