Three Policy Ideas That Could Actually Fix Housing Affordability in America

Affordability is the biggest problem in real estate right now and the solutions being discussed are not enough. Zack Jones shares three specific policy ideas that could meaningfully move the needle on... ...more

Mortgage

April 15, 2026•7 min read

Are We Finally in a Buyer's Market? What Zack Jones Wants Every Buyer to Know

Inventory is up and homes are sitting longer but prices are not falling the way the data suggests. Zack Jones breaks down what is really happening in today's housing market and where prepared buyers c... ...more

Mortgage

March 17, 2026•5 min read

Home Sale Tax Rules Have Not Changed Since 1997: What Long-Term Homeowners Need to Know Now

The capital gains exclusion on home sales is still based on numbers from 1997, and lawmakers are finally talking about changing it. Zack Jones breaks down what long-term homeowners with big equity nee... ...more

Mortgage

March 10, 2026•5 min read

4 Common Mortgage Approval Hurdles in 2025—and How to Avoid Them

Getting pre-approved for a mortgage can feel like a huge win—and it is. But as Zack Jones explains on zackjonesmortgage.com, it's only the beginning of the homebuying journey. "I see it all the time,... ...more

Mortgage

November 10, 2025•2 min read

Rent vs. Buy in 2025: What’s Actually More Affordable?

If you're wondering whether to keep renting or finally buy a home in 2025, you're not alone. It’s one of the biggest financial decisions many Americans face—and on the surface, renting still seems che... ...more

Mortgage

November 10, 2025•2 min read

Will Mortgage Rates Drop Soon? Here’s the Real Picture for Buyers & Homeowners

Mortgage rates have been on a roller coaster lately, and with talk of a Federal Reserve rate cut, it’s natural to wonder: Are rates finally heading lower? As of September 2025, 30-year fixed mortgage ... ...more

Mortgage

October 02, 2025•2 min read

Is the 28% Rule Still Relevant for Homebuyers in 2025?

Understanding the 28% Rule For decades, financial advisors and mortgage lenders have used the “28% rule” as a benchmark for housing affordability. The rule states that your monthly housing costs—incl... ...more

Mortgage

September 23, 2025•3 min read

Market Update: Weak Jobs Report Brings Good News for Mortgage Rates

1. The Economy Is Cooling Job growth slowed more than expected, and previous months’ numbers were revised downward. This signals that the labor market is losing steam, which is exactly what the Feder... ...more

Mortgage

September 11, 2025•1 min read

Will Affordability Improve or Will Rates Drop Before Long?

With mortgage rates easing slightly in recent months, many hopeful buyers are asking the big question: is housing affordability about to improve, or are rates still too high to make a difference? The... ...more

Mortgage

September 11, 2025•2 min read