Bock Mortgage Group - Michael Bock and Theresa NeSmith

Michael Bock June 24, 2025

Renting vs. Owning the National Homeownership Month Edition

June is National Homeownership Month and there is no better time to look at the long-term financial benefits of owning a home compared to renting. As a mortgage professional, I often speak with clients who are unsure whether to keep renting or make the leap into homeownership. The decision can feel overwhelming, but when you break down the numbers and look at the bigger picture, the advantages of buying a home are clear.

Michael Bock June 23, 2025

What’s Ahead For Mortgage Rates This Week – June 23rd, 2025

With the passing of the FOMC rate decision, it has become clear that the Federal Reserve is taking a wait-and-see approach to the current situation regarding tariff policies. Although the vast majority of economists around the world have made predictions about what lies ahead, the effects have not yet been pronounced. Many of the recent tariff changes have also been revoked or put on pause for the largest industries, leaving many markets uncertain about the future. The key takeaway is that conditions will likely remain steady for now. The only other data release offering insight into what’s to come is the notable decline in U.S. retail sales, reflecting a reduction in consumer activity.

Michael Bock June 20, 2025

The Top 5 Mortgage Myths Debunked for National Homeownership Month

June is National Homeownership Month, a time to shine a spotlight on the opportunities and advantages of owning a home. It is also the perfect moment to clear up some of the most common myths that hold people back from pursuing a mortgage. Many potential buyers delay their homeownership dreams because of outdated beliefs or misinformation. Let’s break down the top five myths and explain what is really true in today’s mortgage world.

Michael Bock June 19, 2025

How to Build Credit For a Mortgage Starting This National Homeownership Month

June is National Homeownership Month, a time to celebrate the dream of owning a home and offer guidance to those preparing to take that important step. One of the most impactful things you can do right now is to begin building or improving your credit. If you plan to purchase a home in the next 6 to 12 months, the work you do today could make a major difference in the loan terms you receive later.

Michael Bock June 18, 2025

Celebrating National Homeownership Month and How First-Time Buyer Programs Make It Possible

June is National Homeownership Month, a time to celebrate the dream of owning a home and spotlight the many programs designed to help first-time buyers turn that dream into reality. For many Americans, the biggest challenge to buying a home is coming up with the funds for a down payment or qualifying for a loan. Fortunately, there are a wide variety of mortgage options and assistance programs available to make homeownership more achievable.

Michael Bock June 17, 2025

The Emotional Rewards of Homeownership and Why It’s Worth Celebrating in June

June is National Homeownership Month, a time not only to talk about the practical steps toward owning a home but also to reflect on the emotional rewards that make the journey worth it. As a mortgage professional, I spend a lot of time working with numbers such as credit scores, down payments, and interest rates. But the most powerful part of homeownership is what cannot be measured with a calculator.