As the leaves turn and the air grows crisper, few people think “now’s the time to buy a house.” But for homebuyers who are ready, autumn often presents some of the best opportunities of the year. At Northpoint Mortgage, we see fall as a season of possibility, and we’d like to explain why.

Owning a home is one of life’s biggest investments, but protecting that investment doesn’t always require a major budget or contractor. In fact, a few seasonal habits and DIY checks can help you catch small issues before they turn into major (and expensive) problems.

On September 5, 2025, an important milestone in consumer protection became law. The Homebuyers Privacy Protection Act of 2025, better known as the “trigger leads bill”, was signed into law and will take effect on March 5, 2026. This legislation is designed to give borrowers more control over their personal information and to put an end to a frustrating practice that many homebuyers and homeowners know all too well.

Refinancing your mortgage can sound like a daunting task, but for many homeowners, it’s the key to saving money, creating financial flexibility, or achieving long-term goals. The decision to refinance is highly personal, it hinges on your individual financial situation and goals. While lower interest rates might be the first thing that comes to mind when considering refinancing, there are many other scenarios where it makes sense.

For many families, choosing a new home isn’t just about square footage or curb appeal, it’s about setting their kids up for long-term success. If you’re considering a move to be in a better school district, you’re not alone. School quality is one of the top reasons families relocate. But while it can be a smart investment in your child’s future, there’s a lot more to consider than test scores and rankings.

High-tech upgrades are transforming the way we live at home—adding comfort, security, and energy efficiency. From smart security systems and voice-controlled assistants to automated lighting and intelligent appliances, today’s innovations give homeowners more control and convenience than ever. Whether you’re upgrading your current home or buying new, these trends can boost comfort, save money, and increase your property’s value.

As a real estate agent, your value goes beyond finding the perfect home—clients rely on you for guidance through every step, including financing. While you don’t need to be a mortgage expert, understanding key loan programs like FHA, VA, USDA, Jumbo, and first-time buyer options can set you apart. Knowing how to match buyers with the right loan builds trust, sets clear expectations, and creates a smoother path to closing.

Becoming a homeowner is an exciting milestone, but with great property comes great responsibility! From fixing leaky faucets to hanging picture frames, having the right tools on hand can save you time, money, and frustration. Whether you're a first-time buyer or just moved into a new place, here’s a roundup of essential tools every new homeowner should keep in their toolbox.

Not everyone fits the mold of a traditional mortgage borrower. That’s where Non-QM (Non-Qualified Mortgage) loans come in. Designed for those with non-traditional income—like self-employed individuals, investors, or high-net-worth borrowers—Non-QM loans offer flexible qualification options using bank statements, assets, or rental income. They’re a smart alternative for financially sound borrowers who need a different approach to home financing.