Nate Owens

Loan Officer

NMLS# 2535370

Nate Owens Loan Officer

Blog

Mortgage Basics for First-Time Home Buyers

Mortgage Basics for First-Time Home Buyers

Thinking about buying your first home? You're not alone — and it’s more doable than you might think. If you're unsure where to begin or how financing works, this guide breaks it down in clear terms. What Is a Mortgage? A mortgage is a loan you

Sep 18, 2025 | Purchasing a Home

Did Today’s Fed Rate Cut Lower Mortgage Rates? Not So Fast.

Did Today’s Fed Rate Cut Lower Mortgage Rates? Not So Fast.

What Happened Today? The Federal Reserve announced a 0.25% rate cut in today’s FOMC meeting. That might sound like great news for mortgage rates… but don’t be too quick to celebrate. Despite the headlines, mortgage rates actually worsen

Sep 17, 2025 | Interest Rates Economy

Does Refinancing your Mortgage Make Sense?

Does Refinancing your Mortgage Make Sense?

Is your current mortgage rate still working for you? If you're paying more than necessary, now might be a good time to consider refinancing. Even a small drop in your interest rate can make a noticeable difference in your monthly payments — and your

Sep 16, 2025 | Interest Rates

Creative Ways to Fund a Down Payment (First-Time Homebuyers Guide)

Creative Ways to Fund a Down Payment (First-Time Homebuyers Guide)

Creative Ways to Fund Your Down Payment as a First-Time Homebuyer Saving for a down payment doesn’t have to take forever. As a first-time homebuyer, you actually have several paths to fund your down payment—some you may not have considered. T

Sep 13, 2025 | Purchasing a Home VA Loans FHA Conventional USDA Down Payment

Remembering the Lives Lost on 9/11

Remembering the Lives Lost on 9/11

Today, we pause to remember the lives lost and the bravery shown on September 11, 2001. More than two decades later, the memory of that day continues to resonate deeply across our nation. We honor the nearly 3,000 individuals who lost their lives, the fir

Sep 11, 2025 |

Why Buying a Duplex Makes Financial Sense

Why Buying a Duplex Makes Financial Sense

Buying a duplex lets you live in one unit while collecting rent from the other. It's a smart way to reduce housing costs while building wealth through real estate. Why Duplex Living Makes Financial Sense Living in a duplex while renting the other unit can

Sep 09, 2025 | Purchasing a Home