BOE Beaches

09/22/2026

A new season could mean a new address.

Cooler weather. Changing leaves. New possibilities. If a new home is part of your plans this fall, now is a great time to get your financing game plan in place.

Homebuyer Tip: Get pre-approved before you start seriously house hunting. It can help you understand your buying power and shop with more confidence when the right home comes along.

Ready to see what your next season could look like? Let’s talk.

09/19/2026

WHAT MAKES UP A MONTHLY MORTGAGE PAYMENT?

You’ve probably heard the term PITI—but what does it actually mean?

P — Principal
The portion of your payment that goes toward paying down the amount you borrowed.

I — Interest
The cost of borrowing the money for your home loan.

T — Taxes
Property taxes assessed by your local government. When escrowed, a portion is collected with your monthly mortgage payment.

I — Insurance
Homeowners insurance helps protect your home and property. When escrowed, it may also be included in your monthly payment.

Principal + Interest + Taxes + Insurance = PITI

Buyer Tip: Don’t focus only on the home’s purchase price. Understanding your estimated total monthly housing payment can give you a much clearer picture of what fits comfortably into your budget.

Have mortgage questions? That’s what I’m here for.

09/18/2026

Higher oil prices, inflation concerns, and expectations for more Fed rate hikes pushed mortgage rates higher during the week ending September 18, 2026. Bank of England Mortgage is an Equal Housing Lender.

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09/16/2026

Your first step doesn't have to be buying a home. It can simply be making a plan.

One of the biggest mistakes first-time buyers make? Waiting too long to ask questions.

You don’t need perfect credit, a huge down payment, or every detail figured out before talking with a lender.

Starting the conversation early can help you:

Understand where you stand financially
Learn about potential loan and down payment options
Identify things you may want to work on

And here’s the matching post:
Create a realistic plan and timeline

Even if homeownership is months—or longer—away, knowing your next steps can make the process feel a whole lot easier.

Not ready to buy? That’s okay. You can still get ready.

09/13/2026

Sometimes the right home has room for more generations.

Home can mean more than an address. For some families, it means having grandparents nearby, sharing everyday moments, helping one another, and creating memories across generations.

If multigenerational living is part of your future, the right home—and the right financing plan—can help make room for everyone.

Homebuyer Tip: Talk with your lender early about your plans. Knowing your budget and financing options can help you focus your search on homes that fit your family’s needs.

More family. More memories. More reasons to love where you live. ❤️

09/11/2026

Rates remained elevated during the week ending September 11, 2026, as oil prices pushed higher and inflation worries persisted. Bank of England Mortgage is an Equal Housing Lender.

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09/11/2026

Today, we remember the lights that never fade. Let's honor the strength and unity that emerged in our nation that day. Some of us watched it unfold. All of us carry it forward. Bank of England Mortgage is an Equal Housing Lender.

09/07/2026

Wishing you a time of rest and relaxation before we all get back to work. You deserve it! Bank of England Mortgage is an Equal Housing Lender.

09/04/2026

SEPTEMBER IS REALTOR® SAFETY MONTH

Realtors spend their days meeting new people, visiting unfamiliar properties, and helping clients navigate one of life’s biggest decisions.

This month, Bank of England Mortgage would like to remind you that their safety deserves the same attention they give their clients.

Here’s to looking out for the people who help our communities find their way home.

09/04/2026

Rates moved higher during the week ending September 4, 2026, due to rising bond yields and expectations of a possible September Fed policy rate hike. Bank of England Mortgage is an Equal Housing Lender.

Markets in a Minute