Mortgage Rates Just Hit a Nine Month High and Here Is What Buyers Need to Know Right Now

Rates up a quarter percent in one week. Geoff Ricker at Bay Capital explains what to do next. ...more

mortgage

May 19, 2026•4 min read

Why Mortgage Rates Jumped Again and How Prepared Buyers Are Using the Volatility to Win

Rates dipped then climbed back up. Geoff Ricker explains why and how to be ready to lock. ...more

mortgage

May 08, 2026•3 min read

The Biggest Mortgage Credit Scoring Change in 30 Years Just Took Effect and It Could Change Everything for You

VantageScore 4.0 and FICO 10T are now live. Geoff Ricker explains what changed for buyers. ...more

mortgage

May 08, 2026•4 min read

The Fed Held Rates Steady Again and Here Is What It Actually Means for Your Mortgage

Fed stable, no June meeting. Geoff Ricker at Bay Capital explains what buyers should do now. ...more

mortgage

May 08, 2026•4 min read

New Construction Inventory Just Hit a 9.7 Month Supply and Buyers Who Know This Are Winning

Builders are sitting on nearly 10 months of inventory and nearly two thirds are actively offering incentives to close deals. Geoff Ricker at Bay Capital Mortgage explains how smart buyers are stacking... ...more

mortgage

April 03, 2026•5 min read

First-Time Buyers Have More Leverage Right Now Than They Have Had in Years

More inventory, slower sales, and sellers making concessions are creating real opportunity for first-time buyers. Geoff Ricker at Bay Capital Mortgage explains how to take advantage of today's market ... ...more

mortgage

April 02, 2026•5 min read

Home Prices Down Nationally for the First Time Since 2012: What That Number Actually Means for Buyers

The first national home price decline since 2012 made headlines but the real story is far more local than national. Geoff Ricker at Bay Capital Mortgage breaks down what the data actually shows and wh... ...more

mortgage

April 02, 2026•4 min read

How the War With Iran Is Affecting Your Mortgage Rate Right Now

Oil prices surged, inflation fears returned, and mortgage rates jumped after briefly dipping below 6 percent. Geoff Ricker at Bay Capital Mortgage explains the chain reaction from geopolitics to your ... ...more

mortgage

April 01, 2026•4 min read

The Homeowners Insurance Problem That Is Quietly Killing Deals Before Closing in 2026

Rising insurance premiums are derailing home closings at the worst possible moment. Geoff Ricker explains how this hidden deal-killer works and what every buyer must do to protect their transaction be... ...more

mortgage

March 12, 2026•5 min read