Fixed vs. Adjustable Rate Mortgages in 2026: When an ARM Actually Makes Sense
With fixed rates still above 6%, adjustable-rate mortgages are making a comeback. Here's when an ARM is smart, when it's risky, and how to decide for your situation.
Blog topic
Mortgage Tips
9 articles from Cedar Home Loans on mortgage tips.
Articles
Can AI Underwrite a Mortgage in 47 Seconds? What Recent Reporting Actually Shows
Recent reporting on a new AI underwriting tool made a big claim: a mortgage decision in 47 seconds. Here's what those articles actually described, what part of the process is being sped up, and what borrowers still need to understand.
When Refinancing Actually Makes Sense in Today's Market
With rates where they are, the old refinance rules don't apply. Here's when it still makes sense—and when it definitely doesn't.
How to Actually Improve Your Credit Score Before Applying for a Mortgage
Your credit score directly impacts your interest rate. Here's what actually works to improve it in the months before you apply.
The Ins and Outs of Mortgage Broker Fees: What You Need to Know
Understanding mortgage broker fees is crucial for making informed decisions about your home loan. Learn about different fee structures, what's negotiable, and how to ensure you're getting fair value for the services provided.
Debt-to-Income Ratios Explained: The Number That Decides Your Loan Approval
Your DTI ratio is often more important than your credit score for mortgage approval. Here's how it works and how to improve yours.
Identifying Red Flags: Signs of a Bad Mortgage Broker
Learn how to protect yourself from unscrupulous mortgage brokers by identifying key warning signs. Discover what separates reputable brokers from those who may not have your best interests at heart.
10 Ways to Expedite the Mortgage Closing Process
Discover proven strategies to speed up your mortgage closing process. Learn expert tips for preparing documentation, working with professionals, and avoiding common delays to get into your new home faster.
Self-Employed Mortgage Guide for Mountain Property Buyers 2025
Navigate the mortgage process as a self-employed buyer in Colorado's mountain communities. Learn about documentation requirements, qualification strategies, and lender expectations.
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