Market Updates
What factors are affecting the market right now, published every week by licensed Texas Brokers.
Mortgage rates follow inflation, and track the 10-year Treasury yield closely, when Treasury yields rise, mortgage rates typically follow. When we track markets and advise clients, it matters that we’re analyzing the data that actually drives pricing rather than the headline everyone else is watching.
Rates shown are industry averages, not quotes from J. Charles Lending. Our rates tend to run slightly below average. This is not a commitment to lend.
Jumbo Loans
If the home you have your eye on costs more than what a standard mortgage will cover, a jumbo loan might be exactly what…
PUBLISHED AUG 2026 ANALYSISAlternative Documentation
As we shared in a couple other posts, sometimes the buyer is able to purchase a home but the needed documentation may not line…
PUBLISHED AUG 2026 COMPARISONUSDA Loans
The Great Depression was the catalyst for many of the agencies and programs we know today. Initial relief was aimed at helping farmers and…
PUBLISHED AUG 2026 COMPARISONFirst Time Home Buyers
Buying your first home is one of the biggest decisions of your life. It can also be exciting, create anxiety, along any number of…
UPDATED AUG 2026 COMPARISONInvestment Properties
Originally attributed to Andrew Carnegie, and repeated by countless economic studies, trade groups and financial analysts, 90% of all millionaires built at least part…
UPDATED AUG 2026 COMPARISONFHA Loans
Congress created the Federal Housing Administration in 1934 and became part of the U.S. Department of Housing and Urban Development in 1965. The US…
UPDATED AUG 2026 COMPARISONConventional Loans
There are two government sponsored entities that are the back-bone of conventional loans. Fannie Mae and Freddie Mac write the guidelines and are the…
UPDATED AUG 2026 COMPARISONBank Statement Loan
What is a Bank Statement Loan? A Bank Statement Loan is typically for self-employed individuals and borrowers with non-traditional income. This type of loan…
UPDATED AUG 2026 COMPARISONVA Home Loan
Article 1 Section 8 of the United States Constitution calls for Congress to raise and support armies and to provide and maintain a navy.…
UPDATED AUG 2026 EXPLAINERWhy a Fed rate cut doesn’t lower your mortgage rate.
The federal funds rate is an overnight rate. A mortgage is a 30-year loan. Here's the only real link between them, why the Fed follows the market rather than leading it, and what the record since 2020 actually shows.
PUBLISHED AUG 2026