Emanuel Stewart - Reliant Home Lending

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Emanuel Stewart
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Could You Save Money by Refinancing Right Now?

Many homeowners assume that if they did not refinance when rates hit historic lows, they missed their chance. But the truth is, refinancing is not only about chasing the lowest possible rate. It is about improving your overall financial picture. Depending on your current loan, interest rate, and personal goals, refinancing could still save you money or help you reach new financial milestones.

The One Number More Important Than Your Credit Score for Mortgage Approval

When it comes to getting approved for a mortgage, most people immediately think of their credit score. While it is definitely important, there is another number that can play an even bigger role in your approval, our debt-to-income ratio. Also known as DTI, this number gives lenders a clearer picture of your ability to manage monthly payments and overall debt.

How to Talk to Your Parents About Co-Signing a Mortgage

Asking your parents to co-sign a mortgage can be one of the most vulnerable conversations you will ever have. It is not just about paperwork and finances, it is about trust, timing, and long-term commitment. Whether you are a first-time buyer or trying to qualify for better loan terms, a co-signer can make a big difference, but only if everyone involved is fully informed and comfortable.

Understanding the Fear Behind Mortgage Debt and How to Move Past It

Buying a home is one of the most exciting milestones in life, but the thought of taking on a mortgage often creates anxiety. The idea of owing hundreds of thousands of dollars can feel overwhelming, even if you are financially stable. If you have ever hesitated to move forward with a home loan out of fear, you are not alone. This emotional reaction is more common than many people realize.

What’s Ahead For Mortgage Rates This Week – July 14th, 2025

This was an extremely light release week with only the Consumer Credit Report. The amount of expected credit was expected to rise but only showed half the growth — a sign that things are still in stable condition. The most important reports will be featured with next week’s releases of inflation data in the Consumer Price Index (CPI) and the Producer Price Index (PPI), as well as the Federal Reserve’s Beige book. The Trump Administration has also further extended the pauses on the tariffs which has been a welcome relief.

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Reliant Home Lending
8550 United Plaza Boulevard Suite 702
Baton Rouge, LA 70809