John Lake's (johnlake2) Blog

Beyond the manicured lawns and the white-picket lines, Where the scent of the jasmine and salt air entwines, We gather this morning as the bugle notes play, To remember the cost of the ground where we stay.A home is a harbor, a legacy built, Free from the shadow of burden or guilt, It’s the deed ...

Whether you should refinance right now depends on two factors: what your current rate is and what you’re trying to achieve.With today's 30-year refinance rates averaging around 6.81% (as of May 18, 2026), the strategy has changed compared to last year. Here is how to decide if the timing is right...

The "market whiplash" you saw Thursday and Friday is a classic reaction to high expectations meeting a complicated reality. The President’s trip to Beijing was a massive event, but instead of bringing "peace and low prices," it highlighted some persistent economic headwinds. Here is why the mortg...