Bock Mortgage Group - Michael Bock and Theresa NeSmith

Michael Bock June 5, 2025

The Impact of Inflation on Mortgage Rates and Home Affordability

Inflation has made a loud and lasting entrance into our daily lives. From groceries to gas prices, everything seems more expensive. One of the most significant areas where inflation leaves its mark is in the housing market, particularly mortgage rates and home affordability. As inflation continues to fluctuate, many potential homebuyers are left wondering how it all connects, and what it means for their financial future.

Michael Bock June 4, 2025

How to Pay Off Your Mortgage 10 Years Early Without Extra Payments

If you’re like most homeowners, the idea of paying off your mortgage early sounds amazing–more freedom, fewer monthly expenses, and peace of mind. But what if you could shave 10 years off your mortgage without making extra payments each month? Sounds too good to be true? It’s not! There are smart strategies that don’t require more money out of pocket, just a little planning and a fresh approach.

Michael Bock June 3, 2025

Will Multiple Mortgage Applications Hurt Your Credit Score?

When you are ready to buy a home, it is natural to shop around for the best mortgage rate and terms. But you may have heard that submitting multiple loan applications can damage your credit score and throw a wrench in your homebuying plans. Here is the truth behind hard inquiries, rate shopping, and how to protect your credit while securing the best deal.

Michael Bock June 2, 2025

What’s Ahead For Mortgage Rates This Week – June 2nd, 2025

The PCE Index release–the Federal Reserve’s preferred inflation indicator–has shown favorable results. However, the overwhelming sentiment remains one of uncertainty due to the ongoing trade wars. With these conflicts still in full swing, inflation is expected to rise in the near future at a faster-than-anticipated pace. Following the recent trade truce with China, consumer sentiment has improved, though the long-term impact remains uncertain. As expected, consumer spending has declined noticeably, as the tariffs have led to short-term price increases.

Michael Bock May 30, 2025

What Every Homebuyer Should Know About How Are Property Taxes Calculated

When buying a home, it’s easy to focus on the down payment and mortgage rate, but don’t overlook property taxes. They can significantly affect your monthly payment and long-term budget and understanding how they’re calculated is key to making smart homebuying decisions.

We will break down the basics and highlight a few often-missed factors that could influence how much you’ll pay.

Michael Bock May 29, 2025

Sweet Loans for Every Taste: Which Mortgage Treat Is Right for You?

Let’s face it, picking the right mortgage can feel overwhelming. But what if we made it more fun? Think of home loans like candy bars: each one has a distinct flavor, a specific audience, and its own perfect time and place. Whether you’re buying your first home, building your dream house, or tapping into retirement equity, there’s a mortgage match made just for you.