The Fed Signals Higher for Longer So Focus on the Negotiating Power You Actually Have Right Now
Cooler competition means real leverage now. David Norris explains why buying now beats waiting on rates. ...more
mortgage
July 08, 2026•3 min read
New Credit Scoring Models Are Now Allowed for Mortgages and Here Is What Buyers Need to Know
VantageScore 4.0 counts rent and utility payments. David Norris explains who benefits and by how much. ...more
mortgage
July 08, 2026•3 min read
Why the Iran Conflict Pushed Mortgage Rates Higher and Why the Peace Framework Is Bringing Relief
Oil routes reopen and rates ease from peak. David Norris explains the chain reaction behind rates now. ...more
mortgage
July 07, 2026•3 min read
76 Percent of Buyers Now Trust AI to Shop Their Mortgage and Here Is What That Data Really Means
AI shops fast but misses nuance. David Norris explains why combining AI and a loan officer wins deals. ...more
mortgage
July 06, 2026•3 min read
A Price Cut Does Not Mean Every Seller Is Motivated to Take a Lowball and Here Is What Does
Not every cut means lowball room. David Norris explains where real negotiating leverage actually is. ...more
mortgage
June 12, 2026•4 min read
Adjustable Rate Mortgages Are Not the Problem Not Understanding How They Work Is the Problem
Lower payment now, risk later. David Norris explains when ARMs make sense and when they do not. ...more
mortgage
June 05, 2026•4 min read
May Was a Frustrating Month for Rate Watchers and Here Is What Buyers Should Do About It
One hot inflation report moved rates fast. David Norris explains how to buy when numbers make sense. ...more
mortgage
June 05, 2026•4 min read
Homeowners Insurance Is Killing Deals Before Closing and Here Is How to Protect Yourself
Insurance costs are derailing closings. David Norris explains when and how to shop before you sign. ...more
mortgage
June 04, 2026•4 min read
Your Fixed Rate Did Not Change But Your Mortgage Payment Did and Here Is Exactly Why
Taxes and insurance change your payment even with a fixed rate. David Norris explains what to do. ...more
mortgage
June 04, 2026•4 min read
David Norris
Branch Manager / Sr. Mortgage Banker
NMLS #996450
Norris Mortgage Team
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