Here’s Why Mortgage Rates Are What They Are Right Now

If you're waiting for mortgage rates to fall a lot before you buy, you may be waiting a while. But before you get discouraged, there's a number working behind the scenes that's actually good for you right now. It's called the spread, and once you understand it, you may see today’s rates in a whole n

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McMinn Monday Market Update: Oxford Holds Value as Water Valley Buyers Gain

August 10, 2026 | By Lee McMinn, ALC | McMinn Realty Good Monday morning, Oxford and Water Valley. This week's numbers tell a split-market story. Oxford is closing about the same number of residential properties as last year but producing considerably more dollar volume. Water Valley's year-to-date

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The Case for Putting 20% Down on Your Next Home

If you’re planning to buy your next home soon, you’ve probably heard the old rule about saving 20% for your down payment.The truth is, you usually don’t have to. Plenty of loan options let qualified buyers put down much less. But a lot of repeat buyers are choosing to put down 20% anyway.So, why are

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