Debunking Media Fear-Mongering: Real Estate, Jobs, and Reclaiming Happiness | Steve McNeal Mortgage First Capital Mortgage Inc. – Truth in Home Loans Empowering Tennesseans with Fact-Based Homeownership | Steve McNeal, NMLS #XXXXX Debunking Media Fear-Mongering: Real Estate, Jobs, and the Assault on American Happiness Published: November 14, 2025 | By Steve McNeal | 5-Min Read […]
Trump’s proposed 50-year mortgage has dominated the headlines and confused first-time buyers. On the surface, it looks like a simple way to shrink the payment. But when you dig into the math, the long-term cost, and how slowly equity builds, a very different picture appears. In this article, I walk through the numbers and show you smarter ways to get payment relief without signing up for half a century of debt.
Buyers waiting for a “perfect rate” may pay more later. This guide shows agents how to move hesitant clients into action—using current data, clear scripts, and proven strategies—so they lock value before competition returns.
Mortgage Rates and Affordability 2025: Act with Confidence Updated October 2025 · First Capital Mortgage Inc. This refresh brings together our recent posts on mortgage rates and affordability 2025 and shows buyers and agents exactly how to win now – no guesswork, just a clear plan. Readiness wins: full pre-approval, program flexibility, speed, and local […]
Fed Rate Cut Mortgage Rates 2025: What It Means Fed Rate Cut Mortgage Rates 2025: What It Means for You The Fed rate cut mortgage rates 2025 outlook is coming into focus. Markets remain cautious, so mortgage rates can be sticky and volatile even as the Fed eases policy. Below is a clear plan for […]
Interest Rates, Housing Inventory & Jobs – Central Valley Real Estate Outlook 2025 How they affect our business and buyers. What to expect: lower rates for homes and a steady job market with increasing wages. Don’t believe everything the news is telling us. First off, interest rates are lower and going down in the United […]
Empower Your Clients to Build Wealth Now The Central Valley isn’t just a market – it’s a gateway to stability and growth. With debunked depreciation myths, rising inventory, unmatched affordability, and a thriving lifestyle, 2025 is ripe for buyers. Encourage clients: “Don’t let headlines hold you back. Data shows values are climbing steadily, and buying […]