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

Zack Jones

Published on: 10/11/2025

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," says Zack. "Buyers get pre-approved, then something shifts in their finances or paperwork, and the whole deal hits a wall." To help you avoid that outcome, here are the four most common hurdles buyers are facing in 2025—and what you can do to stay ahead of them.

Mortgage

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

Zack Jones

Published on: 10/11/2025

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 cheaper. In many U.S. cities today, renting costs about $900 less per month than buying a typical starter home. That’s a big difference, especially when budgets are tight and interest rates remain higher than what we saw just a few years ago.

Mortgage

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

Zack Jones

Published on: 02/10/2025

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 rates have slipped into the mid-6% range — but where they go next is far from certain. Understanding what really drives mortgage rates can help you make smart moves whether you’re buying, refinancing, or just watching the market.

Mortgage

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

Zack Jones

Published on: 23/09/2025

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—including mortgage payments, property taxes, homeowners insurance, and HOA dues—should not exceed 28% of your gross monthly income. It’s a simple way to ensure borrowers don’t overextend themselves financially.

Mortgage