Marcus Webb
Mortgage Editor
NMLS Licensed (TX #847291)
18 Articles Published
About Marcus
I spent 9 years originating mortgages in the Austin area before burning out on sales quotas. Moved to writing because I got tired of watching people sign documents they didn't understand. Now I explain the stuff loan officers don't have time (or incentive) to explain.
Areas of Expertise
Experience
Started at a small mortgage broker in 2012, moved to a credit union in 2018. Left the industry in 2022 to focus on education. Still keep my license active.
Articles by Marcus
Current Mortgage Rates: What Borrowers Need to Know
Current mortgage rates are at 6.29% for 30-year fixed loans. Discover what's driving rates today and how to secure the best deal on your home loan.
Read Article →First-Time Homebuyer's Guide: Essential Steps to Homeownership
First-time buyers now represent only 24% of the market. Learn the strategies successful buyers are using to overcome today's challenges and achieve homeownership.
Read Article →15-Year vs 30-Year Mortgage: Which Saves You More?
The choice between a 15 and 30-year mortgage can mean a $150,000 difference in total interest paid. Understand the math behind both options and which fits your financial situation.
Read Article →Should You Refinance? A Complete Decision Guide
Refinancing is up 111% year-over-year, but is it right for you? Learn when refinancing makes sense and how to calculate your break-even point.
Read Article →Home Equity Loans vs HELOC: Complete Comparison Guide
Understand the key differences between home equity loans and HELOCs, current rates around 7-9%, and which option best fits your financial needs.
Read Article →FHA Loans Explained: Everything First-Time Buyers Need to Know
FHA loans require only 3.5% down and accept credit scores as low as 580. Learn how FHA loans work, their pros and cons, and whether one is right for you.
Read Article →VA Loans Explained: The Ultimate Guide for Veterans and Military
VA loans offer 0% down, no PMI, and competitive rates for eligible veterans. Discover how to maximize this powerful benefit and achieve homeownership.
Read Article →Jumbo Loans Explained: Requirements, Rates, and Strategies
Buying a home above $766,550 requires a jumbo loan. Learn the stricter requirements, typical rates around 6.5-7%, and strategies to qualify for luxury home financing.
Read Article →Reverse Mortgages: Complete Guide for Seniors
Reverse mortgages let homeowners 62+ access home equity without monthly payments. Understand how they work, current rates around 6-7%, and whether one is right for you.
Read Article →ARM Mortgages: When Adjustable Rates Make Sense
ARMs offer lower initial rates than fixed mortgages but carry adjustment risk. Learn how 5/1, 7/1, and 10/1 ARMs work and when they save money.
Read Article →Investment Property Financing: A Complete Guide
Investment property loans have higher rates and stricter requirements than primary residence loans. Learn qualification criteria and financing strategies.
Read Article →Green Energy Home Loans: Financing Solar and Efficiency
Special financing programs help homeowners install solar panels and energy-efficient upgrades. Learn about FHA PowerSaver, PACE loans, and solar financing.
Read Article →USDA Rural Housing Loans: Zero Down in Eligible Areas
USDA loans offer 0% down financing for homes in eligible rural and suburban areas. Learn income limits, property requirements, and how to qualify.
Read Article →Bridge Loans: Temporary Financing for Home Transitions
Bridge loans provide short-term financing when buying a new home before selling your current one. Learn costs, risks, and alternatives.
Read Article →Construction Loans: Building Your Custom Home
Construction loans finance building a home from the ground up. Learn how construction-to-permanent loans work, qualification requirements, and cost management.
Read Article →Loan Modification Programs: Avoiding Foreclosure
Facing mortgage default? Loan modifications can reduce payments and save your home. Learn eligibility, process, and success strategies.
Read Article →HELOC vs Home Equity Loan: Choosing the Right Option
Home equity lines of credit and home equity loans both tap your equity but work differently. Learn which option fits your needs and current rates.
Read Article →How to Compare Mortgage Lenders: A Step-by-Step Guide
Shopping for a mortgage? Learn how to effectively compare lenders, understand rate quotes, and negotiate the best terms for your home loan.
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