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Michael Bock and Theresa NeSmith

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Michael Bock January 12, 2026

What’s Ahead For Mortgage Rates This Week – January 12th, 2026

The trade deficit dropped significantly this month, resulting in the smallest gap in the last 16 years. This has been entirely driven by the ongoing gold rush and, to a much less impactful degree, businesses working their way around high tariffs. The unemployment reports, however, have shed another light, showing a steady trend of unemployment rising and reaching a four-year high as of last week.

Filed Under: Financial Reports Tagged With: Financial Report, Jobless Claims, Mortgage Rates

Michael Bock January 9, 2026

Why Closing Old Credit Accounts Can Hurt Your Mortgage Approval

When you are preparing to buy a home, it is natural to want your credit profile to look clean and organized. Many buyers think closing old credit accounts will improve their score, simplify their finances, and make them appear more responsible to lenders. In reality, closing old accounts can have the opposite effect. Those accounts play a much bigger role in your credit profile than most people realize and shutting them down can create sudden changes that impact your mortgage approval.

Filed Under: Home Buyer Tips Tagged With: Credit Health, Home Buying 101, Mortgage Tips

Michael Bock January 8, 2026

What to Know About Fractional Homeownership and Mortgages

Fractional homeownership is becoming more popular as buyers look for creative ways to enjoy a second home or vacation property without taking on the full cost. Instead of owning one home entirely, you purchase a fraction of the property and share ownership with several other people. While the idea sounds simple, fractional ownership comes with unique rules, financing challenges, and long-term commitments that every buyer should understand before moving forward.

Filed Under: Mortgage Tips Tagged With: Fractional Ownership, Mortgage Tips, Vacation Homes

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Michael Bock
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Michael NMLS #1749855
Theresa NMLS #1996065

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Michael Bock | NMLS #1749855
Theresa Bock | NMLS #1996065
Licensed Mortgage Loan Originators
Bock Mortgage Group LLC. | NMLS# 2504921

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Florida · Clearwater, FL · Pinellas County, FL · Brandon, FL · Pasco, FL · Saint Petersburg, FL · Wesley Chapel, FL · Riverview, FL · Tampa, FL

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