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                    <title><![CDATA[ Latest from Kiplinger in Mortgages ]]></title>
                <link>https://www.kiplinger.com/real-estate/mortgages</link>
        <description><![CDATA[ All the latest mortgages content from the Kiplinger team ]]></description>
                                    <lastBuildDate>Wed, 01 Apr 2026 10:05:00 +0000</lastBuildDate>
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                                <item>
                                                            <title><![CDATA[ Zombie Mortgages Are Back: Why Old Home Loans Are Resurfacing ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/real-estate/mortgages/zombie-mortgages-why-old-debt-is-coming-back</link>
                                                                            <description>
                            <![CDATA[ Forgotten second mortgages from the housing crash are reappearing — sometimes with bigger balances and foreclosure risk. ]]>
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                                                                        <pubDate>Wed, 01 Apr 2026 10:05:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                                                                                    <dc:creator><![CDATA[ Paige Cerulli ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/y2R3SCWfuatvQUi4i26ibY-1280-80.jpg">
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                                                            <title><![CDATA[ Mortgage Rates Are Rising Again — Here's What You Should Do  ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/mortgage-rates-are-rising-again-heres-what-it-means-for-buyers-and-refinancers</link>
                                                                            <description>
                            <![CDATA[ Geopolitical tension, inflation pressure and shifting demand are pushing rates higher. Here's how the housing market is reacting and what it means if you're planning to buy, sell or refinance. ]]>
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                                                                        <pubDate>Fri, 27 Mar 2026 10:15:00 +0000</pubDate>                                                                                                                                <updated>Mon, 30 Mar 2026 19:31:12 +0000</updated>
                                                                                                                                            <category><![CDATA[Selling A Home]]></category>
                                                    <category><![CDATA[Buying A Home]]></category>
                                                    <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Home]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Shopping]]></category>
                                                                                                                    <dc:creator><![CDATA[ Choncé Maddox ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/CvysyMm6LoHuTnuxLXGpYm-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Toy house on a red up arrow on a black background.]]></media:description>                                                            <media:text><![CDATA[Toy house on a red up arrow on a black background.]]></media:text>
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                                                            <title><![CDATA[ HELOC Rules Are Changing in 2026 ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/real-estate/mortgages/heloc-strategy-borrow-smart</link>
                                                                            <description>
                            <![CDATA[ New lender rules and shifting rates are changing how HELOCs work. Here’s how to compare options, avoid costly terms and borrow only what you need. ]]>
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                                                                        <pubDate>Sat, 21 Mar 2026 10:50:00 +0000</pubDate>                                                                                                                                <updated>Tue, 24 Mar 2026 20:30:51 +0000</updated>
                                                                                                                                            <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Home Improvement]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                                                                                    <dc:creator><![CDATA[ Paige Cerulli ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/u7nX32kfw4wf8Rp3AHenWE-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Dad teaching young daughter how bubble level tool works. ]]></media:description>                                                            <media:text><![CDATA[Dad teaching young daughter how bubble level tool works. ]]></media:text>
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                                                            <title><![CDATA[ The Best Week to Sell Your Home in 2026 Could Boost Your Price ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/the-best-time-to-sell-a-home</link>
                                                                            <description>
                            <![CDATA[ New data reveal the best week to sell your home in 2026 and how timing could boost your sale price. ]]>
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                                                                        <pubDate>Sat, 21 Mar 2026 10:15:00 +0000</pubDate>                                                                                                                                <updated>Tue, 24 Mar 2026 20:43:17 +0000</updated>
                                                                                                                                            <category><![CDATA[Selling A Home]]></category>
                                                    <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                                                                                    <dc:creator><![CDATA[ Choncé Maddox ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/B3jmPYCz3eULHBBKv3wBS5-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[House for sale concept]]></media:description>                                                            <media:text><![CDATA[House for sale concept]]></media:text>
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                                                            <title><![CDATA[ Americans, Even With Higher Incomes, Are Feeling the Squeeze ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/americans-even-with-higher-incomes-are-feeling-the-squeeze</link>
                                                                            <description>
                            <![CDATA[ A 50-year mortgage probably isn’t the answer, but there are other ways to alleviate the continuing sting of high prices ]]>
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                                                                        <pubDate>Mon, 02 Mar 2026 12:00:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                                                                                    <dc:creator><![CDATA[ Penelope Wang ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/B3GRcaaRuW8jzisjyyjbV9-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[a woman watching her investments on a computer]]></media:description>                                                            <media:text><![CDATA[a woman watching her investments on a computer]]></media:text>
                                <media:title type="plain"><![CDATA[a woman watching her investments on a computer]]></media:title>
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                                                            <title><![CDATA[ What Is an Assumable Mortgage and Could It Save You Thousands? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/real-estate/mortgages/what-is-an-assumable-mortgage</link>
                                                                            <description>
                            <![CDATA[ With mortgage rates still elevated, taking over a seller’s existing home loan could lower monthly payments — if the numbers work. ]]>
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                                                                        <pubDate>Wed, 25 Feb 2026 11:15:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Buying A Home]]></category>
                                                    <category><![CDATA[Selling A Home]]></category>
                                                    <category><![CDATA[Family Savings]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[How To Save Money]]></category>
                                                                                                                    <dc:creator><![CDATA[ Choncé Maddox ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/exwTKA2rSuz7CLHWx97Tjj-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Assumable mortgage concept. Home loan that allows a buyer to take over the seller s existing mortgage, including its terms, interest rate, and remaining balance. Real estate and finance]]></media:description>                                                            <media:text><![CDATA[Assumable mortgage concept. Home loan that allows a buyer to take over the seller s existing mortgage, including its terms, interest rate, and remaining balance. Real estate and finance]]></media:text>
                                <media:title type="plain"><![CDATA[Assumable mortgage concept. Home loan that allows a buyer to take over the seller s existing mortgage, including its terms, interest rate, and remaining balance. Real estate and finance]]></media:title>
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                                                            <title><![CDATA[ What to Watch for When Refinancing Your Home Mortgage ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/real-estate/mortgages/what-to-watch-for-when-refinancing-your-home-mortgage</link>
                                                                            <description>
                            <![CDATA[ A smart refinance can save you thousands, but only if you know how to avoid costly pitfalls, calculate true savings and choose the right loan for your goals. ]]>
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                                                                        <pubDate>Sat, 10 Jan 2026 11:20:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Refinancing]]></category>
                                                    <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                                                                                    <dc:creator><![CDATA[ Paige Cerulli ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/y6bXaxMuSjVmCLsqSzRBjG-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Home Mortgage Refinance Application and pen and calculator]]></media:description>                                                            <media:text><![CDATA[Home Mortgage Refinance Application and pen and calculator]]></media:text>
                                <media:title type="plain"><![CDATA[Home Mortgage Refinance Application and pen and calculator]]></media:title>
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                                                            <title><![CDATA[ Builders Are Offering Big Mortgage Incentives — What Homebuyers Should Watch For ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/real-estate/buying-a-home/builder-mortgage-incentives-what-homebuyers-should-know</link>
                                                                            <description>
                            <![CDATA[ Builder credits and below-market mortgage rates can ease affordability pressures, but the savings often come with trade-offs buyers should understand before signing. ]]>
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                                                                        <pubDate>Sat, 10 Jan 2026 11:05:00 +0000</pubDate>                                                                                                                                <updated>Mon, 12 Jan 2026 18:54:00 +0000</updated>
                                                                                                                                            <category><![CDATA[Buying A Home]]></category>
                                                    <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                                                                                    <dc:creator><![CDATA[ Choncé Maddox ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/G6yMmfAUnwYfTQTqKAk6bG-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[New home under construction]]></media:description>                                                            <media:text><![CDATA[New home under construction]]></media:text>
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                                                            <title><![CDATA[ How Much Income You Really Need to Afford a $500,000 Home ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/real-estate/buying-a-home/how-much-income-you-need-to-afford-500k-home</link>
                                                                            <description>
                            <![CDATA[ As home prices increase, the income needed for a house is also climbing. We break down what you need to earn to afford a $500,000 home. ]]>
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                                                                        <pubDate>Tue, 16 Dec 2025 11:35:00 +0000</pubDate>                                                                                                                                <updated>Mon, 22 Dec 2025 16:28:45 +0000</updated>
                                                                                                                                            <category><![CDATA[Buying A Home]]></category>
                                                    <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                                                                                    <dc:creator><![CDATA[ Paige Cerulli ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/UZmo52UNuTXgjAdiaatyjF-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Yellow miniature model house and pink ceramic piggy bank on white line balanced on black and white finger]]></media:description>                                                            <media:text><![CDATA[Yellow miniature model house and pink ceramic piggy bank on white line balanced on black and white finger]]></media:text>
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                                                            <title><![CDATA[ Could Tax Savings Make a 50-Year Mortgage Worth It? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/taxes/tax-savings-on-50-year-mortgage</link>
                                                                            <description>
                            <![CDATA[ The 50-year mortgage proposal by Trump aims to address the housing affordability crisis with lower monthly mortgage payments. But what does that mean for your taxes? ]]>
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                                                                        <pubDate>Tue, 18 Nov 2025 14:57:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                                                                                    <dc:creator><![CDATA[ Kate Schubel ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/KKvUzc9azMLNQDncx4xGYD-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[the number 50 in gold numerals on a gray background]]></media:description>                                                            <media:text><![CDATA[the number 50 in gold numerals on a gray background]]></media:text>
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                                                            <title><![CDATA[ What to Know About Portable Mortgages ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/real-estate/mortgages/what-to-know-about-portable-mortgages</link>
                                                                            <description>
                            <![CDATA[ A closer look at how portable mortgages would work, who might benefit and why the concept is gaining attention amid high rates and limited supply. ]]>
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                                                                        <pubDate>Fri, 14 Nov 2025 19:42:43 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                                                                                    <dc:creator><![CDATA[ Carla Ayers ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/QmTrVMJUjUAgnsLyGEuvwn-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Real Estate Sign in Front of Model Home]]></media:description>                                                            <media:text><![CDATA[Real Estate Sign in Front of Model Home]]></media:text>
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                                                            <title><![CDATA[ I'm an Investment Adviser: Here's Why You Should Resist a Zero-Down Mortgage ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/real-estate/mortgages/why-you-should-resist-a-zero-down-mortgage</link>
                                                                            <description>
                            <![CDATA[ While it's certainly enticing, a zero-down mortgage comes with significant risks, especially if home values decline or you want to refinance. ]]>
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                                                                        <pubDate>Mon, 10 Nov 2025 10:40:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Jared Elson, Investment Adviser ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/2iG4GY2XA88PNtdHqTwh9W-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[The words &quot;no money down&quot; written in white on a black note in the center of wooden cutouts of houses.]]></media:description>                                                            <media:text><![CDATA[The words &quot;no money down&quot; written in white on a black note in the center of wooden cutouts of houses.]]></media:text>
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                                                            <title><![CDATA[ A New Kind of HELOC Lets Homeowners Fund Remodels on Their Terms ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/real-estate/home-improvement/trovy-home-renovation-financing</link>
                                                                            <description>
                            <![CDATA[ Finance home upgrades gradually, using the equity you already have. ]]>
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                                                                        <pubDate>Thu, 06 Nov 2025 18:02:45 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Home Improvement]]></category>
                                                    <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Refinancing]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                                                                                    <dc:creator><![CDATA[ Carla Ayers ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/iU3JSBbEvEtmprkyh4a6F5-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A couple painting walls and renovating their home, having fun. ]]></media:description>                                                            <media:text><![CDATA[A couple painting walls and renovating their home, having fun. ]]></media:text>
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                                                            <title><![CDATA[ Four Military Benefits That Have Helped My Family ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/family-savings/military-benefits-that-have-helped-my-family</link>
                                                                            <description>
                            <![CDATA[ Military life can be challenging for servicemembers and their families, but they're offered some significant financial benefits to help cushion the blow. ]]>
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                                                                        <pubDate>Sat, 01 Nov 2025 10:02:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Family Savings]]></category>
                                                    <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[College]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[How To Save Money]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Careers]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                                                                <author><![CDATA[ lisa.gerstner@futurenet.com (Lisa Gerstner) ]]></author>                    <dc:creator><![CDATA[ Lisa Gerstner ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/VYfMXsuUwyWfntpAX3uEnH-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Child hugging a military service member. ]]></media:description>                                                            <media:text><![CDATA[Child hugging a military service member. ]]></media:text>
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                                                            <title><![CDATA[ Selling a Haunted House? What You Have to Tell Buyers (and What You Don’t) ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/real-estate/selling-a-home/haunted-house-selling-disclosure-requirements</link>
                                                                            <description>
                            <![CDATA[ You don’t need ghosts to spook buyers, sometimes a home’s past is enough. Here’s what sellers should know about disclosure laws, pricing and perception when a property has a haunted history. ]]>
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                                                                        <pubDate>Tue, 28 Oct 2025 17:40:28 +0000</pubDate>                                                                                                                                <updated>Wed, 29 Oct 2025 18:30:01 +0000</updated>
                                                                                                                                            <category><![CDATA[Selling A Home]]></category>
                                                    <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                                                                                    <dc:creator><![CDATA[ Carla Ayers ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/kRcfBCA8AGKSu4M89PRBpA-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Abandoned house with closed shutters under a moody sky]]></media:description>                                                            <media:text><![CDATA[Abandoned house with closed shutters under a moody sky]]></media:text>
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                                                            <title><![CDATA[ A Vacation Home Sounds Dreamy, But Is It the Right Move for You? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/real-estate/buying-a-home/vacation-home-pros-cons</link>
                                                                            <description>
                            <![CDATA[ A vacation home can be a relaxing getaway or a financial burden. Learn the pros and cons of owning a second home and how to decide if it fits your goals. ]]>
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                                                                        <pubDate>Tue, 21 Oct 2025 10:22:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Buying A Home]]></category>
                                                    <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                                                                                    <dc:creator><![CDATA[ Dori Zinn ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/FaHPBNXnaxtux9fkgCZx7G-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Businesswoman enjoying a coffee break in her office]]></media:description>                                                            <media:text><![CDATA[Businesswoman enjoying a coffee break in her office]]></media:text>
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                                                            <title><![CDATA[ Where the Ultra-Rich Are Buying Real Estate Now ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/real-estate/where-the-ultra-rich-are-buying-real-estate-now</link>
                                                                            <description>
                            <![CDATA[ Why the ultra-rich are flocking to new corners of the world — and what their moves reveal about real estate hot spots. ]]>
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                                                                        <pubDate>Fri, 03 Oct 2025 10:17:00 +0000</pubDate>                                                                                                                                <updated>Mon, 06 Oct 2025 19:30:25 +0000</updated>
                                                                                                                                            <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Mortgages]]></category>
                                                                                                                    <dc:creator><![CDATA[ Paige Cerulli ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/8c9d6gkadWdgBzGduPn9LA-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[View from a luxury apartment in NYC]]></media:description>                                                            <media:text><![CDATA[View from a luxury apartment in NYC]]></media:text>
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                                                            <title><![CDATA[ Sell, Borrow or Stay? How to Use Home Equity in Retirement ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/real-estate/mortgages/youve-built-home-equity-smart-retirement-moves-to-protect-and-use-it</link>
                                                                            <description>
                            <![CDATA[ Learn how to preserve your property's value, tap equity for income and make smart choices about downsizing, renting or leaving a legacy. ]]>
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                                                                        <pubDate>Fri, 26 Sep 2025 10:48:00 +0000</pubDate>                                                                                                                                <updated>Thu, 09 Apr 2026 18:04:47 +0000</updated>
                                                                                                                                            <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Home]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Shopping]]></category>
                                                                                                                    <dc:creator><![CDATA[ Choncé Maddox ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/8EHDFkrsQK6P6UaAJHk5nK-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Couple laying tile floor in new home. ]]></media:description>                                                            <media:text><![CDATA[Couple laying tile floor in new home. ]]></media:text>
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                                                            <title><![CDATA[ Mortgage Refinance in 2025? These Tax Breaks Can Boost Your Savings ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/taxes/mortgage-refinance-tax-breaks</link>
                                                                            <description>
                            <![CDATA[ Refinancing your mortgage comes with tax implications, but also opportunities to deduct certain expenses on your return. ]]>
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                                                                        <pubDate>Fri, 19 Sep 2025 14:17:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Tax Deductions]]></category>
                                                    <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                                                                                    <dc:creator><![CDATA[ Gabriella Cruz-Martínez ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/Nf5ywaqvnzT2o4aCHDAv77-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Woodgrain background with  toy house and refinance on a tag.]]></media:description>                                                            <media:text><![CDATA[Woodgrain background with  toy house and refinance on a tag.]]></media:text>
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                                                            <title><![CDATA[ Falling Interest Rates: What They Mean for Homeowners, Savers and Investors ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/interest-rates/rate-drop-winners-and-losers</link>
                                                                            <description>
                            <![CDATA[ As interest rates fall, homeowners may celebrate while savers feel the pinch. Here’s what the change could mean for your money. ]]>
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                                                                        <pubDate>Thu, 18 Sep 2025 18:29:42 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Interest Rates]]></category>
                                                    <category><![CDATA[High Yield Savings Accounts]]></category>
                                                    <category><![CDATA[Savings Accounts]]></category>
                                                    <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Refinancing]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Savings]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                                                                                    <dc:creator><![CDATA[ Choncé Maddox ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/HaKNTvqTHTA2z2Xc5DvVr8-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A scale with the percent symbol being lowered]]></media:description>                                                            <media:text><![CDATA[A scale with the percent symbol being lowered]]></media:text>
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                                                            <title><![CDATA[ Refinance Applications Surge as Mortgage Rates Tumble ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/real-estate/mortgages/mortgage-market-shift-refinance-apps-up</link>
                                                                            <description>
                            <![CDATA[ The window to refinance is reopening as mortgage rates hit their lowest level in nearly a year. Here’s what the market shift means for homeowners. ]]>
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                                                                        <pubDate>Thu, 18 Sep 2025 17:29:44 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Refinancing]]></category>
                                                    <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                                                                                    <dc:creator><![CDATA[ Paige Cerulli ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/Nf5ywaqvnzT2o4aCHDAv77-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Woodgrain background with  toy house and refinance on a tag.]]></media:description>                                                            <media:text><![CDATA[Woodgrain background with  toy house and refinance on a tag.]]></media:text>
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                                                            <title><![CDATA[ Cash vs. Mortgage: How to Pay for Your Second Home ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/real-estate/paying-for-second-home-cash-or-mortgage</link>
                                                                            <description>
                            <![CDATA[ Should you buy your second home outright or finance it with a loan? Weigh the pros, cons and tax implications before making the leap. ]]>
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                                                                        <pubDate>Wed, 17 Sep 2025 17:25:18 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Mortgages]]></category>
                                                                                                                    <dc:creator><![CDATA[ Dori Zinn ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/D3efMSCw86ye2C37VrmHDJ-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A hand holding cash in front of a new house with keys]]></media:description>                                                            <media:text><![CDATA[A hand holding cash in front of a new house with keys]]></media:text>
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                                                            <title><![CDATA[ Mortgage Rates Dip to Year-Low as Jobs Data Disappoints ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/real-estate/mortgages/mortgage-rates-fall-as-jobs-data-weakens</link>
                                                                            <description>
                            <![CDATA[ With August job growth falling short of expectations, markets drive 30-year mortgage interest rates down, opening refinance and homebuying opportunities. ]]>
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                                                                        <pubDate>Wed, 17 Sep 2025 16:45:07 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                                                                                    <dc:creator><![CDATA[ Paige Cerulli ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/TjaLXFfHLziE9pQv7Xy563-1280-80.jpg">
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                                                            <title><![CDATA[ I'm an Investment Strategist: This Is How the Fed's Next Rate Move Could Impact Your Wallet ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/how-the-feds-next-rate-move-could-impact-your-wallet</link>
                                                                            <description>
                            <![CDATA[ Interest rate cuts might be coming, which could affect everything from your credit card debt to your mortgage. It's smart to prepare now — here's how. ]]>
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                                                                        <pubDate>Fri, 12 Sep 2025 09:40:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Interest Rates]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                                                                <author><![CDATA[ bradley.thompson@newcanaangroup.com (Bradley Thompson, CFA®) ]]></author>                    <dc:creator><![CDATA[ Bradley Thompson, CFA® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/hqyJsStmQQdgsX9ksPhj6o-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[An older couple look happy as they work on paperwork at their dining room table.]]></media:description>                                                            <media:text><![CDATA[An older couple look happy as they work on paperwork at their dining room table.]]></media:text>
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                                                            <title><![CDATA[ Can You Afford a Million-Dollar Home on a $250,000 Salary? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/real-estate/mortgages/can-you-afford-a-million-dollar-home-on-a-usd250-000-salary</link>
                                                                            <description>
                            <![CDATA[ It’s more than the sticker price — mortgage rates, down payments, taxes and debt all factor into whether a million-dollar home fits your budget. ]]>
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                                                                        <pubDate>Thu, 11 Sep 2025 18:48:37 +0000</pubDate>                                                                                                                                <updated>Tue, 23 Sep 2025 14:44:49 +0000</updated>
                                                                                                                                            <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Buying A Home]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                                                                                    <dc:creator><![CDATA[ Paige Cerulli ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/MDzqgRLBKBJPzNZsMYatfJ-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A &quot;for sale by owner&quot; sign in the yard of a home.]]></media:description>                                                            <media:text><![CDATA[A &quot;for sale by owner&quot; sign in the yard of a home.]]></media:text>
                                <media:title type="plain"><![CDATA[A &quot;for sale by owner&quot; sign in the yard of a home.]]></media:title>
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                                                            <title><![CDATA[ Lock or Float? How to Decide on Your Mortgage Rate ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/real-estate/mortgages/mortgage-rate-lock-vs-float</link>
                                                                            <description>
                            <![CDATA[ Mortgage rates move daily, here’s how to know if you should lock in a rate now or let it float until closing. ]]>
                                                                                                            </description>
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                                                                        <pubDate>Thu, 04 Sep 2025 10:08:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Buying A Home]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                                                                                    <dc:creator><![CDATA[ Dori Zinn ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/KqkdNHmSZWzY7aiiKkLzYd-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A house floating in a bubble]]></media:description>                                                            <media:text><![CDATA[A house floating in a bubble]]></media:text>
                                <media:title type="plain"><![CDATA[A house floating in a bubble]]></media:title>
                                                    </media:content>
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                                                            <title><![CDATA[ The Role of a Mortgage Underwriter in Buying a Home ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/real-estate/role-of-a-mortgage-underwriter-in-buying-a-home</link>
                                                                            <description>
                            <![CDATA[ From fast-track approvals to manual reviews, here’s what to expect (and how to avoid delays) in the underwriting process. ]]>
                                                                                                            </description>
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                                                                        <pubDate>Wed, 03 Sep 2025 16:57:04 +0000</pubDate>                                                                                                                                <updated>Mon, 08 Sep 2025 20:03:33 +0000</updated>
                                                                                                                                            <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Mortgages]]></category>
                                                                                                                    <dc:creator><![CDATA[ Dori Zinn ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/XyyyvtGkkEgz9HfSKKCtkG-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A couple embracing in front of their new home]]></media:description>                                                            <media:text><![CDATA[A couple embracing in front of their new home]]></media:text>
                                <media:title type="plain"><![CDATA[A couple embracing in front of their new home]]></media:title>
                                                    </media:content>
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                                                            <title><![CDATA[ My Mortgage Rate is 6.5%. Should I Refinance If Rates Fall By Half a Point ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/real-estate/mortgages/when-to-refinance</link>
                                                                            <description>
                            <![CDATA[ Thinking about refinancing your mortgage? Here's what you need to consider. ]]>
                                                                                                            </description>
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                                                                        <pubDate>Sat, 30 Aug 2025 11:00:00 +0000</pubDate>                                                                                                                                <updated>Fri, 03 Apr 2026 16:01:32 +0000</updated>
                                                                                                                                            <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                                                                                    <dc:creator><![CDATA[ Choncé Maddox ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/rGTMM2wZAVKdsZP9GY8Uk7-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Mortgage refinance application form ]]></media:description>                                                            <media:text><![CDATA[Mortgage refinance application form ]]></media:text>
                                <media:title type="plain"><![CDATA[Mortgage refinance application form ]]></media:title>
                                                    </media:content>
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                                                                                        </item>
                                <item>
                                                            <title><![CDATA[ How Home Appraisals Work — and What the Final Value Means ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/real-estate/mortgages/how-home-appraisals-work</link>
                                                                            <description>
                            <![CDATA[ From comps to contingencies, here’s what a home appraisal reveals about your property’s true worth. ]]>
                                                                                                            </description>
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                                                                        <pubDate>Thu, 28 Aug 2025 11:00:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                                                                                    <dc:creator><![CDATA[ Dori Zinn ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/KzBfLTvw3iTG7bZwB4nMg-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A home appraiser evaluating a home&#039;s exterior]]></media:description>                                                            <media:text><![CDATA[A home appraiser evaluating a home&#039;s exterior]]></media:text>
                                <media:title type="plain"><![CDATA[A home appraiser evaluating a home&#039;s exterior]]></media:title>
                                                    </media:content>
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                                                            <title><![CDATA[ The 28% Rule for Housing: Does It Still Work in Today’s Market? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/real-estate/buying-a-home/does-28-percent-rule-still-work</link>
                                                                            <description>
                            <![CDATA[ Rising home prices and stubborn mortgage rates put this long-standing rule to the test. ]]>
                                                                                                            </description>
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                                                                        <pubDate>Fri, 22 Aug 2025 10:43:00 +0000</pubDate>                                                                                                                                <updated>Mon, 01 Sep 2025 18:00:39 +0000</updated>
                                                                                                                                            <category><![CDATA[Buying A Home]]></category>
                                                    <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                                                                                    <dc:creator><![CDATA[ Paige Cerulli ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/jvZEQf6Nf8YR935eYfYTvi-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Hands counting money over a calculator]]></media:description>                                                            <media:text><![CDATA[Hands counting money over a calculator]]></media:text>
                                <media:title type="plain"><![CDATA[Hands counting money over a calculator]]></media:title>
                                                    </media:content>
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                                                            <title><![CDATA[ Why Billionaires Like Elon Musk and Mark Zuckerberg Borrow Instead of Paying Cash for Homes ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/real-estate/mortgages/why-the-ultra-rich-dont-always-pay-cash</link>
                                                                            <description>
                            <![CDATA[ Some of the wealthiest Americans opt for mortgages as a strategic way to preserve liquidity, leverage investments and reduce tax exposure. ]]>
                                                                                                            </description>
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                                                                        <pubDate>Wed, 16 Jul 2025 10:00:00 +0000</pubDate>                                                                                                                                <updated>Thu, 12 Mar 2026 21:32:39 +0000</updated>
                                                                                                                                            <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Real Estate Investing]]></category>
                                                                                                <author><![CDATA[ laura@everydaybythelake.com (Laura Gariepy) ]]></author>                    <dc:creator><![CDATA[ Laura Gariepy ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/y2zsM5rEuNAD5QDfGrgu2P-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Retired couple enjoying time in their beautiful backyard.]]></media:description>                                                            <media:text><![CDATA[Retired couple enjoying time in their beautiful backyard.]]></media:text>
                                <media:title type="plain"><![CDATA[Retired couple enjoying time in their beautiful backyard.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/y2zsM5rEuNAD5QDfGrgu2P-1280-80.jpg" />
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                                                            <title><![CDATA[ How to Choose a Mortgage Lender in Five Steps ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/real-estate/mortgages/how-to-choose-a-mortgage-lender</link>
                                                                            <description>
                            <![CDATA[ Not all lenders are created equal — here’s how to compare offers, rates and terms with confidence. ]]>
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                                                                        <pubDate>Fri, 27 Jun 2025 20:02:55 +0000</pubDate>                                                                                                                                <updated>Mon, 09 Feb 2026 18:58:03 +0000</updated>
                                                                                                                                            <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Buying A Home]]></category>
                                                    <category><![CDATA[Home]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Shopping]]></category>
                                                                                                                    <dc:creator><![CDATA[ Dori Zinn ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/kM8YCYSJf36hi6BqNpeqVj-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A couple discussing their mortgage options with their broker.]]></media:description>                                                            <media:text><![CDATA[A couple discussing their mortgage options with their broker.]]></media:text>
                                <media:title type="plain"><![CDATA[A couple discussing their mortgage options with their broker.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/kM8YCYSJf36hi6BqNpeqVj-1280-80.jpg" />
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                                                            <title><![CDATA[ How the Federal Reserve Affects Mortgage Rates — and What It Means for Homebuyers in 2026 ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/real-estate/mortgages/how-the-federal-reserve-affects-mortgage-rates</link>
                                                                            <description>
                            <![CDATA[ Learn how interest rate changes affect your monthly payments and what buyers should watch for this year. ]]>
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                                                                        <pubDate>Mon, 16 Jun 2025 17:39:35 +0000</pubDate>                                                                                                                                <updated>Mon, 16 Mar 2026 22:11:02 +0000</updated>
                                                                                                                                            <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                                                                                    <dc:creator><![CDATA[ Dori Zinn ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/2ETvj529fi6nmaYgTZ33rE-1280-80.jpg">
                                                            <media:credit><![CDATA[Bloomberg / Contributor]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Jerome Powell speaking at a news conference following the December Federal Open Market Committee meeting. ]]></media:description>                                                            <media:text><![CDATA[Jerome Powell speaking at a news conference following the December Federal Open Market Committee meeting. ]]></media:text>
                                <media:title type="plain"><![CDATA[Jerome Powell speaking at a news conference following the December Federal Open Market Committee meeting. ]]></media:title>
                                                    </media:content>
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                                                            <title><![CDATA[ Check Your Mailbox: Wells Fargo Settlement Payments Have Begun ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/real-estate/mortgages/wells-fargo-settlement-payments-have-begun</link>
                                                                            <description>
                            <![CDATA[ Wells Fargo settlement customers whose mortgages were placed in forbearance without their permission should keep an eye on the mail, as checks are going out. ]]>
                                                                                                            </description>
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                                                                        <pubDate>Thu, 08 May 2025 10:00:00 +0000</pubDate>                                                                                                                                <updated>Wed, 20 Aug 2025 16:21:09 +0000</updated>
                                                                                                                                            <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Paige Cerulli ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/LCeDmTLSHVzu3p5ZW7GK6R-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Wells Fargo]]></media:description>                                                            <media:text><![CDATA[Wells Fargo]]></media:text>
                                <media:title type="plain"><![CDATA[Wells Fargo]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/LCeDmTLSHVzu3p5ZW7GK6R-1280-80.jpg" />
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                                                            <title><![CDATA[ How Does the 10-Year Treasury Yield Affect Mortgage Rates? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/real-estate/buying-a-home/how-does-the-10-year-treasury-yield-affect-mortgage-rates</link>
                                                                            <description>
                            <![CDATA[ Where the 10-year Treasury yield moves, mortgage rates follow. Learn why they are connected and how they impact homebuyers. ]]>
                                                                                                            </description>
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                                                                        <pubDate>Wed, 30 Apr 2025 10:00:00 +0000</pubDate>                                                                                                                                <updated>Fri, 23 Jan 2026 21:30:10 +0000</updated>
                                                                                                                                            <category><![CDATA[Buying A Home]]></category>
                                                    <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                                                                                    <dc:creator><![CDATA[ Sean Jackson ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/rAfumC4z4Eo4MC6Wwt5Syi-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Red House Object And Percentage Sign In Front Of Grey Defocused Background ]]></media:description>                                                            <media:text><![CDATA[Red House Object And Percentage Sign In Front Of Grey Defocused Background ]]></media:text>
                                <media:title type="plain"><![CDATA[Red House Object And Percentage Sign In Front Of Grey Defocused Background ]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/rAfumC4z4Eo4MC6Wwt5Syi-1280-80.jpg" />
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                                                            <title><![CDATA[ The True Cost of Owning a Second Home: What to Consider Before You Buy A Vacation Home ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/real-estate/cost-of-owning-a-second-home</link>
                                                                            <description>
                            <![CDATA[ What to consider before buying a vacation home, including mortgages, insurance, taxes, and upkeep. ]]>
                                                                                                            </description>
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                                                                        <pubDate>Sat, 29 Mar 2025 12:00:00 +0000</pubDate>                                                                                                                                <updated>Tue, 24 Jun 2025 20:36:16 +0000</updated>
                                                                                                                                            <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Buying A Home]]></category>
                                                    <category><![CDATA[Mortgages]]></category>
                                                                                                                    <dc:creator><![CDATA[ Dori Zinn ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/SzPHvauTtSoKHVVFX6bqj4-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Family playing cards in their cabin.]]></media:description>                                                            <media:text><![CDATA[Family playing cards in their cabin.]]></media:text>
                                <media:title type="plain"><![CDATA[Family playing cards in their cabin.]]></media:title>
                                                    </media:content>
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                                                            <title><![CDATA[ What to Expect in the Rest of This Year's Housing Market ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/real-estate/housing-market-what-to-expect-the-rest-of-this-year</link>
                                                                            <description>
                            <![CDATA[ Most likely, mortgage rates will stay above 6%, and home prices will climb moderately. But that shouldn't dissuade buyers who are ready to make a move. ]]>
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                                                                        <pubDate>Sun, 23 Mar 2025 11:05:00 +0000</pubDate>                                                                                                                                <updated>Mon, 24 Mar 2025 19:22:02 +0000</updated>
                                                                                                                                            <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Buying A Home]]></category>
                                                    <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Selling A Home]]></category>
                                                                                                                    <dc:creator><![CDATA[ Robyn A. Friedman ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/vwPo5YCxwPxcNHuT7LzzJM-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A key and key chain dangle from the lock of a home as home buyers move in.]]></media:description>                                                            <media:text><![CDATA[A key and key chain dangle from the lock of a home as home buyers move in.]]></media:text>
                                <media:title type="plain"><![CDATA[A key and key chain dangle from the lock of a home as home buyers move in.]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/vwPo5YCxwPxcNHuT7LzzJM-1280-80.jpg" />
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                                                            <title><![CDATA[ How to Use Good Debt (While Identifying and Avoiding Bad Debt) ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/how-to-use-good-debt-and-avoid-bad-debt</link>
                                                                            <description>
                            <![CDATA[ Not all debt is bad, but knowing the difference between good debt and bad debt and how to use them can help you get ahead financially and stay ahead. ]]>
                                                                                                            </description>
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                                                                        <pubDate>Wed, 12 Feb 2025 10:30:00 +0000</pubDate>                                                                                                                                <updated>Thu, 13 Feb 2025 15:10:59 +0000</updated>
                                                                                                                                            <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[student debt]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                                                                <author><![CDATA[ plan@kedrec.com (Mike Decker, NSSA®) ]]></author>                    <dc:creator><![CDATA[ Mike Decker, NSSA® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/nJEuvvK9XCr9Bwujc5W3XX-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A thumbs-up and a thumbs-down against a sunset.]]></media:description>                                                            <media:text><![CDATA[A thumbs-up and a thumbs-down against a sunset.]]></media:text>
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                                                            <title><![CDATA[ Can You Get a Mortgage In Retirement? And Should You? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/can-you-get-a-mortgage-in-retirement</link>
                                                                            <description>
                            <![CDATA[ With interest rates still stubbornly high and home prices elevated, here’s how a retiree living on a fixed income can land a decent mortgage. ]]>
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                                                                        <pubDate>Fri, 17 Jan 2025 11:00:20 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                                                                <author><![CDATA[ brianoco101@gmail.com (Brian O&#039;Connell) ]]></author>                    <dc:creator><![CDATA[ Brian O&#039;Connell ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/BQ9WvL43jyjPizwGrTMk68-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A retired couple considering a mortgage in retirement sit on the floor of their new house with their dog and moving boxes all around them. ]]></media:description>                                                            <media:text><![CDATA[A retired couple considering a mortgage in retirement sit on the floor of their new house with their dog and moving boxes all around them. ]]></media:text>
                                <media:title type="plain"><![CDATA[A retired couple considering a mortgage in retirement sit on the floor of their new house with their dog and moving boxes all around them. ]]></media:title>
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                                                            <title><![CDATA[ Should You Buy a Vacation Home? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/should-you-buy-a-vacation-home</link>
                                                                            <description>
                            <![CDATA[ If you vacation to a beloved destination again and again, purchasing a home there may be a smart move — but don’t overlook the costs and effort that go into it. ]]>
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                                                                        <pubDate>Sun, 29 Dec 2024 14:30:00 +0000</pubDate>                                                                                                                                <updated>Mon, 20 Oct 2025 22:50:49 +0000</updated>
                                                                                                                                            <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Mortgages]]></category>
                                                                                                <author><![CDATA[ emma.patch@futurenet.com (Emma Patch) ]]></author>                    <dc:creator><![CDATA[ Emma Patch ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/tx3jtdUXeUzNtfdJxw4Ukk-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Smoky Mountain Log Cabins line up for a view of the mountains.]]></media:description>                                                            <media:text><![CDATA[Smoky Mountain Log Cabins line up for a view of the mountains.]]></media:text>
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                                                            <title><![CDATA[ Could the Election Affect Mortgage Rates? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/real-estate/mortgages/could-the-election-affect-mortgage-rates</link>
                                                                            <description>
                            <![CDATA[ Here's what to know about the election's impact on mortgage rates. ]]>
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                                                                        <pubDate>Tue, 01 Oct 2024 18:51:01 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                                                                <author><![CDATA[ erin.bendig@futurenet.com (Erin Bendig) ]]></author>                    <dc:creator><![CDATA[ Erin Bendig ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/YYDyHsgVrUy9PUZpq9DQZa-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Model house next to stacks of coins and underneath a question mark.]]></media:description>                                                            <media:text><![CDATA[Model house next to stacks of coins and underneath a question mark.]]></media:text>
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                                                            <title><![CDATA[ With Mortgage Rates Falling, Here's How Much You Could Save ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/real-estate/mortgages/mortgage-rates-falling-how-much-you-could-save</link>
                                                                            <description>
                            <![CDATA[ As mortgage rates fall, you could potentially save thousands over the life of your loan. ]]>
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                                                                        <pubDate>Thu, 26 Sep 2024 16:35:48 +0000</pubDate>                                                                                                                                <updated>Thu, 26 Sep 2024 16:53:16 +0000</updated>
                                                                                                                                            <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                                                                <author><![CDATA[ erin.bendig@futurenet.com (Erin Bendig) ]]></author>                    <dc:creator><![CDATA[ Erin Bendig ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/N8xJeunKYAUxB9uS9LX85J-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Woman holds an arrow down over model of the house and stack of coins.]]></media:description>                                                            <media:text><![CDATA[Woman holds an arrow down over model of the house and stack of coins.]]></media:text>
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                                                            <title><![CDATA[ Before Buying Your First Home, Get These Three Ducks in a Row ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/real-estate/before-buying-your-first-home-get-these-ducks-in-a-row</link>
                                                                            <description>
                            <![CDATA[ With mortgage rates higher than we're used to, making sure you can comfortably afford to buy your first home is more important than ever. ]]>
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                                                                        <pubDate>Thu, 19 Sep 2024 09:30:48 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Buying A Home]]></category>
                                                    <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ david.johnston@amwellridge.com (David W. Johnston, CFP®) ]]></author>                    <dc:creator><![CDATA[ David W. Johnston, CFP® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/yhyHBmiQFmDBrtiTdcyADR-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Three ducklings in a row.]]></media:description>                                                            <media:text><![CDATA[Three ducklings in a row.]]></media:text>
                                <media:title type="plain"><![CDATA[Three ducklings in a row.]]></media:title>
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                                                            <title><![CDATA[ Should You Refinance Your Mortgage Now That the Fed Just Cut Rates? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/real-estate/mortgages/should-you-refinance-your-mortgage-now-that-the-fed-just-cut-rates</link>
                                                                            <description>
                            <![CDATA[ The Fed just cut rates, so mortgage refinance rates will be cheaper. Should you act now, or wait? ]]>
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                                                                        <pubDate>Wed, 18 Sep 2024 19:31:42 +0000</pubDate>                                                                                                                                <updated>Wed, 10 Dec 2025 21:12:40 +0000</updated>
                                                                                                                                            <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Home Equity Loans]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/MnEWZrjmgLrhVtXd58kPTg-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[refinance your mortgage under a magnifying glass]]></media:description>                                                            <media:text><![CDATA[refinance your mortgage under a magnifying glass]]></media:text>
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                                                            <title><![CDATA[ Is It Better to Pay Off Your Mortgage or Invest? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/real-estate/mortgages/is-it-better-to-pay-off-your-mortgage-or-invest</link>
                                                                            <description>
                            <![CDATA[ Determine if paying off your mortgage early is a wise decision for you. ]]>
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                                                                        <pubDate>Mon, 16 Sep 2024 04:01:02 +0000</pubDate>                                                                                                                                <updated>Wed, 15 Jan 2025 17:42:08 +0000</updated>
                                                                                                                                            <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                                                                                    <dc:creator><![CDATA[ Ameriprise Financial ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/5G8py75L2hhwcozrgsb9BW-1280-80.jpg">
                                                            <media:credit><![CDATA[Ameriprise Financial, Inc.]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Couple on Couch ]]></media:description>                                                            <media:text><![CDATA[Couple on Couch ]]></media:text>
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                                                            <title><![CDATA[ Will the Fed Rate Cut Lower Mortgage Rates? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/interest-rates/will-a-fed-rate-cut-lower-mortgage-rates</link>
                                                                            <description>
                            <![CDATA[ A Federal Reserve interest rate cut is one of many influences on mortgage rates, along with inflation, job growth and a shrinking or thriving economy. ]]>
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                                                                        <pubDate>Thu, 12 Sep 2024 15:59:46 +0000</pubDate>                                                                                                                                <updated>Thu, 19 Sep 2024 21:27:40 +0000</updated>
                                                                                                                                            <category><![CDATA[Interest Rates]]></category>
                                                    <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                                                                <author><![CDATA[ upnorthwriter@icloud.com (Kathryn Pomroy) ]]></author>                    <dc:creator><![CDATA[ Kathryn Pomroy ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/owtDh2pKwEfyDhURwoLKWV-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Federal Reserve Board Chairman Jerome Powell speaks during a news conference after a Federal Open Market Committee meeting on Jan. 29, 2020, in Washington, D.C. The Fed announced June 15 that it would raise its benchmark interest rate by 75 bps.]]></media:description>                                                            <media:text><![CDATA[Federal Reserve Board Chairman Jerome Powell speaks during a news conference after a Federal Open Market Committee meeting on Jan. 29, 2020, in Washington, D.C. The Fed announced June 15 that it would raise its benchmark interest rate by 75 bps.]]></media:text>
                                <media:title type="plain"><![CDATA[Federal Reserve Board Chairman Jerome Powell speaks during a news conference after a Federal Open Market Committee meeting on Jan. 29, 2020, in Washington, D.C. The Fed announced June 15 that it would raise its benchmark interest rate by 75 bps.]]></media:title>
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                                                            <title><![CDATA[ Why a 15-Year Mortgage Could Be the Key to a Larger Nest Egg ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/real-estate/why-a-15-year-mortgage-could-lead-to-a-larger-nest-egg</link>
                                                                            <description>
                            <![CDATA[ Your mortgage payments would be higher, yes, but you'd save quite a lot on interest and be mortgage-free 15 years sooner, freeing assets for other investments. ]]>
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                                                                        <pubDate>Sun, 08 Sep 2024 09:30:19 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Buying A Home]]></category>
                                                    <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Dave Liniger ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/kptwgPAVx86bMBCT4Q9HqN-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Muscled arms are drawn on a blue background behind a piggybank.]]></media:description>                                                            <media:text><![CDATA[Muscled arms are drawn on a blue background behind a piggybank.]]></media:text>
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                                                            <title><![CDATA[ 10 Housing Markets That Could Benefit the Most From Reduced Mortgage Interest Rates ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/real-estate/mortgages/housing-markets-benefit-most-lower-mortgage-rates</link>
                                                                            <description>
                            <![CDATA[ These are the top 10 metro areas where the most mortgages are unlocked by lower rates. Plus, the magic number for mortgage rates. ]]>
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                                                                        <pubDate>Thu, 05 Sep 2024 20:01:56 +0000</pubDate>                                                                                                                                <updated>Mon, 02 Jun 2025 18:07:50 +0000</updated>
                                                                                                                                            <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                                                                <author><![CDATA[ erin.bendig@futurenet.com (Erin Bendig) ]]></author>                    <dc:creator><![CDATA[ Erin Bendig ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/3F4oGzwHB2n8NbEavtaiJZ-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Hand holding a miniature house with a dollar sign speech bubble on yellow background.]]></media:description>                                                            <media:text><![CDATA[Hand holding a miniature house with a dollar sign speech bubble on yellow background.]]></media:text>
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                                                            <title><![CDATA[ A Different Way to Approach Your Mortgage in Retirement ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/different-approach-to-your-mortgage-in-retirement</link>
                                                                            <description>
                            <![CDATA[ Conventional wisdom says don't carry any mortgage into retirement, and if you can manage that debt-free feat, good for you. But there are other options. ]]>
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                                                                        <pubDate>Wed, 28 Aug 2024 09:35:58 +0000</pubDate>                                                                                                                                <updated>Fri, 30 Aug 2024 19:22:45 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Reverse Mortgages]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Jerry Golden, Investment Adviser Representative ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/soEf5HGa3tdRVRc6DUyDAf-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[An aerial view of an older woman hanging laundry outside to dry.]]></media:description>                                                            <media:text><![CDATA[An aerial view of an older woman hanging laundry outside to dry.]]></media:text>
                                <media:title type="plain"><![CDATA[An aerial view of an older woman hanging laundry outside to dry.]]></media:title>
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                                                            <title><![CDATA[ Mortgage Rates Drop to Lowest Level Since April 2023. Should You Refinance? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/real-estate/mortgages/mortgage-rates-drop-to-lowest-level-in-2024</link>
                                                                            <description>
                            <![CDATA[ Mortgage rates drop to 6.34%, the lowest level they've been in over a year. ]]>
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                                                                        <pubDate>Thu, 08 Aug 2024 20:18:35 +0000</pubDate>                                                                                                                                <updated>Thu, 08 Aug 2024 20:25:27 +0000</updated>
                                                                                                                                            <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                                                                <author><![CDATA[ erin.bendig@futurenet.com (Erin Bendig) ]]></author>                    <dc:creator><![CDATA[ Erin Bendig ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/9kVbf6FuMgkXpmHMAhvqQC-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Collage with hands holding a house model and cash.]]></media:description>                                                            <media:text><![CDATA[Collage with hands holding a house model and cash.]]></media:text>
                                <media:title type="plain"><![CDATA[Collage with hands holding a house model and cash.]]></media:title>
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