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HSH in the News | Today's Mortgage Rates

Meet Our Expert

Keith Gumbinger_HSH

Keith Gumbinger, Vice President, HSH.com

A 25-year expert observer of the mortgage and consumer debt industries, Keith has been cited in tens of thousands of articles covering a wide range of consumer finance topics. These articles have appeared in publications and outlets including The Wall Street Journal, USA Today, Money Magazine, The New York Times, Kiplinger publications, US News and World Report, BusinessWeek, Forbes, Bottom Line Publications and dozens of local newspapers. He has been a featured guest on NPR Radio and Oprah Winfrey's XM Radio program with Jean Chatzky, and has been seen on CNBC, CNN and the national news broadcasts for ABC, CBS and NBC television networks.

Keith has authored or co-authored a number of consumer guides on first mortgages, refinancing, home equity, mortgage prepayment and more, and is the primary researcher and writer for HSH.com's MarketTrends newsletter. He has contributed expertise to a number of books written by Jane White, Beth Kobliner, John Dorfman and others.

Working at the intersection of markets and people, and with a unique ability to explain today's complex consumer finance environment in simple human language, Keith helps writers and reporters better serve readers and viewers by providing practical, useful knowledge to these audiences as they struggle to understand the numerous choices they face when managing debt.

From the Federal Reserve's latest actions down to evaluating a local lenders latest offerings, Keith can help lend clarity and perspective to a confusing, difficult marketplace.

Meet Our Editorial Staff

Tim Manni_HSH

Tim Manni, Managing Editor

Tim Manni is the Managing Editor for HSH.com, and is also the author of their daily blog, which concentrates on the latest developments in the mortgage and housing markets. Tim's work with HSH.com has been featured in several other media outlets, including the Wall Street Journal, Forbes and MarketWatch.com.
Gina Pogol_HSH

Gina Pogol, Staff Writer

Gina Pogol has been writing about mortgage and finance since 1994. In addition to a decade in mortgage lending, she has worked as a business credit systems consultant for Experian and as an accountant for Deloitte. She graduated with High Distinction from the University of Nevada with a BS in Financial Management.
Peter Miller

Peter Miller, Staff Writer

Peter G. Miller is syndicated to more than 100 newspapers and operates the real estate news site, OurBroker.com.

Meet Our Contributing Authors

Steve

Steve Bergsman

Steve Bergsman is a freelance writer in Arizona and author of several books. His latest book, "After the Fall: Opportunities and Strategies for Real Estate Investing in the Coming Decade," has been ranked as a top-selling real estate investment book for the Amazon Kindle e-reader.
Margarette Burnette_HSH

Margarette Burnette

Margarette Burnette is an Atlanta-based freelance writer who specializes in personal finance and real estate topics. In her 12 years of corporate and journalistic experience, she's written for dozens of publications, including Good Housekeeping, American Express, Essence, Black Enterprise and many others.
AC

Aaron Crowe

Aaron Crowe is a freelance writer in San Francisco. He has worked as a writer and editor for websites and newspapers, most recently covering personal finance for WalletPop.com. He has also written for Bankrate, AARP and was one of the initial writers at AOL Housing, covering the housing and rental markets.
Marcie_Geffner_HSH

Marcie Geffner

Marcie Geffner is a freelance real estate reporter and writer whose news stories, features and columns have been published by dozens of newspapers, magazines and Web sites. She is a former managing editor of Inman News, senior editor of California Real Estate magazine and board member of the National Association of Real Estate Editors (NAREE).
Dan Green

Dan Green

Dan Green is a loan officer with Waterstone Mortgage in Cincinnati, and the author of the nationally-recognized mortgage blog, TheMortgageReports.com. As well as serving the purchase and refinance needs of his clients, Dan speaks to national audiences about mortgage rates and the mortgage market. Follow him on Twitter at @mortgagereports.
Constance_Guske_HSH

Constance Gustke

Constance Gustke is a New York-based journalist who writes about business topics. She was a Fortune reporter, Forbes.com contributor and Worth features editor. Gustke is also a regular contributor to CNBC.
Kerry Hannon

Kerry Hannon

Kerry Hannon is the author of “What's Next? Follow Your Passion and Find Your Dream Job” and covers careers, retirement and personal finance issues for a variety of national publications, including USA Today, AARP, Forbes.com and CBS MoneyWatch. She is based in Washington, DC.
Alexandra Kay_HSH

Alexandra Kay

Alexandra Kay is a freelance writer and researcher who has been contributing to magazines for ten years. Her previous experience includes three years as staff researcher for World News Tonight Saturday/Sunday. Alex holds a master's degree in print journalism and a second master's in teaching English.
Lynnette

Lynnette Khalfani-Cox

Lynnette Khalfani-Cox, The Money Coach®, is a personal finance expert, television and radio personality, and the author of numerous books, including the New York Times bestseller “Zero Debt: The Ultimate Guide to Financial Freedom.” A former Wall Street Journal reporter for CNBC, Lynnette has appeared on such national TV programs as The Oprah Winfrey Show, Dr. Phil, The Today Show and Good Morning America. She can frequently be seen as a guest commentator on CNN, MSNBC, ABC and FOX Business Network. Follow Lynnette on Twitter @themoneycoach or visit her free financial advice blog at AskTheMoneyCoach.com.
Kathy Kristof

Kathy Kristof

Kathy Kristof is an award-winning financial journalist and the author of three financial books, including the recently updated Investing 101. Her financial columns appear regularly in the Los Angeles Times and CBS MoneyWatch, and she's a regular guest on the public radio program MarketPlace Money.
Karen Kroll

Karen Kroll

Karen Kroll, a member of the American Society of Journalists and Authors, has been reporting on topics such as money, business, corporate and consumer finance since 1994. Karen’s work has appeared in AARP: The Magazine, American Way, Bankrate.com, Business Finance, Christian Science Monitor, Woman’s Day, and many other publications.
Michele lerner

Michele Lerner

Michele Lerner is a respected and established real estate reporter with two decades of experience. Her work can be seen regularly in the “Friday Home Guide” of The Washington Times, Urban Land magazine, the National Association of Real Estate Investment Trusts’ Real Estate Portfolio magazine, and in other sources. Her daily blog on residential real estate can be found on Examiner.com. She lives with her husband in Washington, D.C. They frequently visit with their two daughters in New York City.