A Tale of Two Mortgages

FEATURED

Data Reports

2026 Refinance Mortgage Closing Cost Data Report

The national average total closing costs for a refinance mortgage transaction were $2,207. This is an average of 0.67% of the refinance loan amount.

FEATURED

Something Not Right

Boris really, really, really likes title.

FEATURED

Full Disclosure

June 2026 Full Episode

Summer is JUST around the corner, and we’re loving the sunshine and warmth as we discuss all things mortgage, housing, and title. Join Jim, Alayna, and Tim for the June 2026 episode of Full Disclosure!

LISTEN NOW

All Posts

All posts Data Reports Deeper Thoughts Full Disclosure A Tale of Two Mortgages Loan Estimate Challenges Everything Else

A Tale of Two Mortgages

Alluring Fantasy

Horace pitches Octavia on an alternate reality.

VIEW POST

A Tale of Two Mortgages

Another Rate Cut

Another rate cut comes down from on high.

VIEW POST

A Tale of Two Mortgages

Too Easy

Horace’s conscience takes a crack at Octavia.

VIEW POST

A Tale of Two Mortgages

Conscience

Horace’s conscience offers counsel amid a moral conundrum.

VIEW POST

A Tale of Two Mortgages

The Time Has Come

Rates are trending down. Horace is pumped.

VIEW POST

A Tale of Two Mortgages

Big Dreams

Horace discusses the big dreams he used to have.

VIEW POST

A Tale of Two Mortgages

Go Fish

Horace and Octavia play “Go Fish.” Things get deep.

VIEW POST

A Tale of Two Mortgages

To Sell or Not to Sell

Octavia reckons with the lock-in effect.

VIEW POST

A Tale of Two Mortgages

Pressure

Horace and Octavia ponder the pressure that comes with increases in quality.

VIEW POST

SIGN UP FOR THE LODESTAR REPORT NEWSLETTER

Read our CEO Jim Paolino’s Deeper Thoughts and get the latest mortgage industry news.