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Hi, my name is Erik Sandstrom, and I’m the mortgage expert on LoanSafe.org. We have been offering free online mortgage help and tools specifically for consumers since 2007.

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New 2018 FHA Loan Limits

New 2018 FHA Loan Limits

There is good news for mortgage shoppers. The new FHA loan limits were released in December 2017 by The Department Housing and Urban Development (HUD) showing that in 2018 they have raised limits in many metro areas across the nation. FHA mortgages are very popular...

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Current Mortgage Rates for Wednesday January 3, 2018

Current Mortgage Rates for Wednesday January 3, 2018

Today's mortgage rates at some of the nation's top lenders are on the rise from yesterday's report. The current national average for the 30 year fixed mortgage is 3.99% and the 15-year mortgage is 3.44%. The 5-year adjustable-rate mortgage (ARM) average is 3.47% and 1...

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Mortgage Applications Decrease Over the Past Two Weeks

Mortgage Applications Decrease Over the Past Two Weeks

The Mortgage Bankers Association (MBA) said today that mortgage applications decreased over the past two weeks. Applications were down by 2.8% for the week ending December 29, 2017, which include adjustments for the Christmas holiday. The Index decreased 42% on an...

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Current Mortgage Rates for Tuesday January 2, 2018

Current Mortgage Rates for Tuesday January 2, 2018

Current mortgage rates at some of the nation's top lenders for this Tuesday afternoon are mostly mixed with rates staying the same or slightly on the rise. The national average for the 30 year fixed mortgage rate is 3.99% and the 15-year mortgage is 3.44%. The 5-year...

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What 2018 Tax Reform Means to Homeowners and Mortgages

What 2018 Tax Reform Means to Homeowners and Mortgages

On December 20, 2017, Congress passed the Tax Reform Act (formerly known as the Tax Cuts and Jobs Act or the “Act”).  With new reform comes new changes to the way we do business in real estate and how we are taxed on mortgages. In this article, I would like to list...

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Current Mortgage Rates for Friday December 29, 2017

Current Mortgage Rates for Friday December 29, 2017

The 30 year fixed mortgage is slowly on the rise, according to the latest report from Freddie Mac for the week ending December 28, 2017. Freddie said that the 30 year fixed mortgage rate averaged 3.99% with an average 0.5 point, an increase from last week’s report...

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November 2017 Home Sales Rise

November 2017 Home Sales Rise

Both new and existing single-family home sales went up in November. The National Association of Home Builders (NAHB) said this week that sales of new homes increased 17.5% to a seasonally adjusted annual rate of 733,000 units and the existing home sales rose just .2%...

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Current Mortgage Rates for Wednesday November 15, 2017

Current Mortgage Rates for Wednesday November 15, 2017

Current mortgage rates at the nation's top lenders for this Wednesday morning are mixed with rates going both up and down from yesterday's report. The national average for the 30 year fixed mortgage rate is 3.90% and the average rate for the 15-year mortgage is 3.24%....

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