Inflation Came in Hotter Than Expected Today and Here Is What That Means for Mortgage Rates Right Now
Hot inflation pushes Treasury yields higher and pressures mortgage rates. Geoff Ricker explains what buyers should do now. ...more
mortgage
October 14, 2026•2 min read
You Do Not Need 20 Percent Down to Buy a Home and Here Are the Four Loan Options That Prove It
VA zero down, USDA zero down, FHA 3.5%, conventional 3%. Geoff Ricker explains every low down payment option available now. ...more
mortgage
October 05, 2026•2 min read
The Fed Does Not Set Mortgage Rates and Here Is What Actually Drives Them Up and Down
Bond market and inflation move rates not the Fed. Geoff Ricker explains why waiting for a Fed cut can backfire. ...more
mortgage
September 18, 2026•3 min read
You Do Not Need 20 Percent Down to Buy a Home and This Belief Is Keeping Too Many Buyers Waiting
Loan programs, DPA, seller concessions reduce upfront costs. Geoff Ricker explains your real down payment options. ...more
mortgage
September 02, 2026•2 min read
Should You Buy Now or Wait for Mortgage Rates to Drop and Here Is the Honest Answer
Lower rates bring more buyers and higher prices. Geoff Ricker explains why timing beats rate chasing now. ...more
mortgage
September 02, 2026•2 min read
Mortgage Rates Are Starting to Ease as Oil Prices Drop and Here Is What to Watch This Week
Tensions ease, oil drops, rates improve slightly. Geoff Ricker explains what the Fed meeting means now. ...more
mortgage
July 31, 2026•3 min read
27 Years as a Loan Officer and Geoff Ricker Still Leads With Honest Guidance and On-Time Closings
27 years, every loan type, on-time closings. Geoff Ricker at Bay Capital explains what he commits to you. ...more
mortgage
July 30, 2026•2 min read
Condo Financing Guidelines Are Changing in August and Here Is What Buyers and Sellers Need to Know
15% reserves, more project scrutiny after Aug 3. Geoff Ricker explains how to check your condo first. ...more
mortgage
July 22, 2026•3 min read
Do Not Wait Until You Find the Right Home to Start the Mortgage Process and Here Is Why
Pre-approval before house hunting wins deals. Geoff Ricker at DMV Loans explains how to get ready fast. ...more
mortgage
July 21, 2026•2 min read
