Mortgage Hub: How Mortgage Financing Actually Works
Mortgage rates and loan programs are often discussed as if they are simply numbers that change on a screen. In reality, mortgage financing sits at the intersection of financial markets, household balance sheets, regulation, and human decision-making. Understanding how mortgages work requires more than tracking daily rate moves — it requires understanding how loans are priced, how credit flows through the system, and why affordability changes over time. The Mortgage Hub provides a clear, plain-language foundation for understanding how mortgage financing actually works, why rates move, how loan programs fit together, and what truly matters for borrowers and homeowners across different market environments...