Recent Articles
Mortgage Rates Hold Near Yearly Lows as Market Awaits Next Data
The average 30-year fixed mortgage rate is hovering near 3-year lows as bond markets hold steady amid limited economic data. Learn why rates remain low and what could move them next.
Published on 10/22/2025
Gen Z and the Dream of Homeownership: Adapting to a Challenging Market
A new Realtor.com survey reveals that 1 in 5 Gen Z adults say housing affordability is their top life concern. Learn how young buyers are adapting, saving, and staying determined to achieve homeownership.
Published on 10/15/2025
Mortgage Rates Tick Up Slightly as Bonds Weaken and MBS Underperform
On October 9, 2025, the average 30-year fixed mortgage rate edged slightly higher to 6.38% after a weaker 30-year Treasury auction and mild MBS underperformance. Rates remain stable within a narrow range as the government shutdown continues.
Published on 10/10/2025
Mortgage Rates Holds Steady After Weak Jobs Report
On October 1, 2025, the average 30-year fixed mortgage rate held at 6.37% after weak private payroll data. Bigger shifts may follow when the delayed government jobs report is released.
Published on 10/01/2025
3 Reasons Home Affordability Is Improving This Fall
Affordability is finally improving this fall thanks to lower average 30-year fixed mortgage rates, slower home price growth, and rising wages. Learn why now could be the right time to buy.
Published on 09/26/2025
Hard Money Loan Hacks: Quick Cash Solutions for Your Next Property Investment
Hard money loans offer fast, asset-based financing ideal for time-sensitive real estate deals like auctions, fix-and-flips, and emergency repairs. With quick approval (7-14 days) and fewer credit requirements, they allow investors to leverage property value rather than credit scores. These loans can cover both acquisition and renovation costs in one transaction, but a clear exit strategy—like selling or refinancing—is crucial. While they come with higher interest rates and fees, hard money loans provide a competitive edge, and Trinity Capital Funding offers the fast, flexible funding investors need to seize opportunities.
Published on 09/19/2025
Mortgage Rates Hit Yearly Lows—Then Jump After the Fed Cut. Here’s What Happened (and Why Applications Just Surged)
After touching yearly lows early in the week, the average 30-year fixed rose following the Fed’s rate cut—thanks to the dot plot and Powell’s comments. Still, mortgage applications just saw their biggest weekly jump since 2021 as homeowners reacted to earlier rate declines. Here’s what it means for buyers and homeowners.
Published on 09/19/2025
Mortgage Rates Near 11 Month Lows—What’s Next With the Fed?
The average 30-year fixed is holding near the lowest levels since October 2024 after a weak jobs report and cooler inflation. Here’s why—and what to watch at next week’s Fed meeting.
Published on 09/12/2025
Why Mortgage Rates Move: What Every Homebuyer Should Know
Mortgage rates are holding near 10-month lows—but don’t assume they’ll stay there. Learn why rates move, what drives them, and what smart buyers and homeowners should do next.
Published on 09/03/2025
Mortgage Rates Holding Steady… For Now
After Powell's Jackson Hole speech, mortgage rates hit their lowest levels since Oct 2024. But don’t get too comfortable—more movement could be coming after Friday’s inflation data and next week's jobs report.
Published on 08/27/2025
Lower Rates? Don’t Relax Just Yet
Mortgage rates stayed mostly flat this week, holding near 10-month lows. Here’s what happened from August 18–20 and why upcoming economic data could shake things up.
Published on 08/20/2025
Tap Into Your Home’s Potential: Flexible Home Equity Lines of Credit with Trinity Capital Funding
A Home Equity Line of Credit (HELOC) lets homeowners access their property’s equity with lower interest rates than credit cards or personal loans. Trinity Capital Funding offers flexible, tailored solutions for home improvements, debt consolidation, and more. Our expert team ensures the best rates and personalized service in Portland, Salem, Eugene, and beyond. Start your journey to financial freedom with Trinity Capital Funding today.
Published on 08/19/2025
FHA Loan: A Comprehensive Guide to Affordable Homeownership
FHA loans are a great option for prospective homebuyers, offering lower down payments and flexible credit requirements, making them especially attractive to first-time buyers and those with less-than-perfect credit. With a minimum down payment of just 3.5%, these government-backed loans provide an easier path to homeownership, particularly in markets like Portland, Oregon, where home prices can be high. Despite common misconceptions, FHA loans are available to both first-time and repeat buyers, and they often carry lower interest rates compared to conventional loans, though mortgage insurance premiums can increase over time.
Published on 08/19/2025
Mortgage Rates at 10-Month Lows! Big Opportunity!
Mortgage rates are holding near 10-month lows after early August’s jobs report and mixed inflation data. Here’s what homebuyers and homeowners need to know.
Published on 08/14/2025
Discover a Stunning Victorian Gem in South Portland: A Dream Home Awaits
Discover charm, stunning views, and endless possibilities with this beautiful Victorian gem at 117 S Arthur St, Portland, OR 97201. Located in the heart of South Portland, this 8-bedroom, 3.5-bath historic beauty combines classic elegance with modern practicality. Whether you're looking for a home, business space, or a live-work area, this property offers the perfect opportunity for your vision.
Published on 08/13/2025
First-Time Homebuyer? These Grant Loans Could Be Your Golden Ticket
Purchasing your first home can be challenging, especially when it comes to down payments and closing costs. Thankfully, first-time homebuyers in 2025 can benefit from grant loans that reduce financial pressure. These grants, which don't require repayment, are a valuable resource for low- to moderate-income families looking to enter the housing market with confidence.
Published on 08/13/2025
The Ultimate Guide to Zero Down Home Loans: VA, USDA, and More
Saving for a down payment is often a major hurdle for potential homeowners. Fortunately, specialized zero down home loans are making homeownership more accessible by allowing borrowers to finance 100% of their home purchase. These mortgage options provide flexibility, enabling buyers to use their cash reserves for other needs while eliminating the need for a down payment.
Published on 08/11/2025
Doctors, Here’s How to Score a Loan Tailored Just for You!
Doctor loans are specialized home loans designed for medical professionals, including students, residents, fellows, and established doctors. These loans address challenges such as high student loan debt, limited credit history, and financial changes after residency. They often offer low or no down payment options, avoid private mortgage insurance (PMI), and feature flexible underwriting for student loan debt, making them a valuable financial tool for medical professionals.
Published on 08/11/2025
Rates Just Hit a 10-Month Low!
Mortgage rates just hit their lowest levels since October 2024 following a big shift in the bond market. Here’s why it matters for homebuyers and homeowners.
Published on 08/05/2025
Multi-Family Homes: How to Turn One Property into Multiple Income Streams
Investing in multi-family houses is a powerful strategy for building wealth and generating passive income. Unlike single-family homes, multi-family properties—such as duplexes, triplexes, and small apartment buildings—allow you to collect rent from multiple tenants. This setup provides a more stable income stream and reduces the risk of vacancies. Whether you're a seasoned or beginner real estate investor, multi-family properties offer a solid model for financial growth.
Published on 07/30/2025