Bock Mortgage Group - Michael Bock and Theresa NeSmith

Michael Bock February 25, 2026

How Adjustable-Rate Mortgages Work and When They Make Sense

Adjustable-rate mortgages often create hesitation because borrowers focus on the word adjustable. However, these loans can serve a strategic purpose when aligned with specific financial timelines. An adjustable-rate mortgage typically offers a fixed introductory period followed by periodic rate adjustments based on market indexes. Understanding how these loans are structured helps borrowers determine whether the flexibility outweighs potential variability.

Michael Bock February 24, 2026

Why Your Morning Routine Matters More Than Your Mortgage Rate

Interest rates get headlines. Payment amounts get attention. Yet neither one determines whether your mortgage will feel sustainable five years from now. What truly determines long-term satisfaction is how your financing decision supports your daily routine.

Michael Bock February 23, 2026

What’s Ahead For Mortgage Rates This Week – February 23rd, 2026

The Federal Reserve’s preferred inflation indicator has come in showing that inflation is still running hotter than expected. This creates a difficult position for the Federal Reserve as it tries to balance interest rate cuts while managing inflation at the same time. Despite previous rate adjustments, inflation has remained stubbornly high.

Michael Bock February 20, 2026

The Hidden 60 Day Window That Can Change Your Mortgage Outcome

Most borrowers believe mortgage qualification is determined primarily by long term financial history. Credit scores, employment consistency, and income trends absolutely matter. However, there is a shorter window that often carries disproportionate influence. The 60 days before you apply can either strengthen your file or introduce unnecessary friction into the underwriting process.

Michael Bock February 19, 2026

Using Your Mortgage as a Built-In Wealth Discipline Tool

Most people view a mortgage as a liability. While it is technically debt, it can also function as a structured financial discipline system that builds long term equity. When approached intentionally, a mortgage becomes more than a payment. It becomes a framework for consistent wealth accumulation.

Michael Bock February 18, 2026

The Emotional Budget Behind Every Mortgage Decision

When buyers evaluate a mortgage, they focus heavily on qualification numbers. Income, debts, credit scores, and approval amounts dominate the conversation. Pre-approval letters feel like the finish line. But there is another factor that often gets ignored, and it carries just as much weight over time. Emotional affordability.