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Happy Flag Day | All that we are, arises with our thoughts.

Flag Day is the American flag's birthday party every June 14th! Flag Day was proclaimed in 1916 but officially recognized in 1949. Talk about a late celebration! Betsy Ross, a seamstress, sewed the first flag. Imagine if designers today made flag-inspired outfits!

Why Are Mortgage Rates Stuck at Such High Levels?

The current average 30-year mortgage rate is 7.09%, leading to fewer buyers due to high costs and elevated home prices. Mortgage rates have increased significantly since 2022, but the Federal Reserve plans to cut rates in 2024, potentially lowering mortgage rates. To secure the best mortgage rate, shop around, improve credit score, and keep debts low relative to income. Continue to full article

What is Mortgage Refinancing? How Does it Work?

John and Kacie are freelance writers for Newsweek's personal finance team. They have contributed to various outlets and have expertise in personal finance. Mortgage refinancing involves replacing your current mortgage with a new one, offering benefits like lower interest rates and shorter repayment terms. Refinancing can also allow you to switch lenders, change loan types, or access cash from your home equity. Continue to full article

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