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Jeff Ostrowski

Writer and Housing Market Analyst
Ribbon Icon EXPERTISE
  • Mortgages
  • Mortgage refinancing
  • Mortgage rate trends
  • Housing market
  • Real estate
Education Icon EDUCATION
  • Bachelor of Science, University of Illinois at Urbana-Champaign
  • Master of Arts, University of Illinois at Springfield
  • Continuing coursework, including NMLS Mortgage Loan Originator education and MLO SAFE Test

About the author
Jeff Ostrowski has closely covered two nationwide housing booms and one devastating bust. Before joining Bankrate in 2020, he spent more than 20 years writing about real estate, business, the economy and politics. He previously worked as a reporter at the Palm Beach Post and the South Florida Business Journal.

Since 2019, Jeff has served on the board of the nonprofit National Association of Real Estate Editors. He twice has won gold awards in the group’s journalism contest. His Bankrate coverage of housing affordability was also honored with a Best in Business award from the Society for Advancing Business Editing and Writing.

When he’s not working, Jeff enjoys surfing, biking and traveling, usually with a surfboard or bike.
Jeff is the author of How to Buy a Home in a Miserable Market, available in paperback and e-book on Amazon.

Jeff beyond Bankrate

CNN interviews Jeff Ostrowski about hottest and coldest housing market

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Schwab Network interviews Jeff Ostrowski about mortgage rates

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New York Times interviews Jeff Ostrowski about housing supply

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Washington Post cites Jeff Ostrowski about mortgage rates

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Jeff wants you to know
When you’re applying for a mortgage, shop around and do your homework — informed borrowers can save thousands of dollars over the life of their loan. Don’t fixate on finding the absolute perfect option, though, or timing your loan to a low point for mortgage rates. If you’re borrowing now, mortgage rates could go down in the future. Avoid worrying about all those things that are both out of your control and impossible to predict.

Jeff's latest articles

  • Watermark Home Loans Mortgage Review 2025

    Watermark Home Loans is a mortgage lender good for those looking for specific loan options, such as an interest-only loan, VA loan or reverse mortgage. Learn more about Watermark Home Loans and compare this lender to others.

    4 min read Sep 06, 2025
  • Reliant Home Funding Mortgage Review 2025

    Reliant Home Funding is a Long Island, New York-based mortgage lender available in more than 20 states, including Colorado, Florida, Illinois, New York, Pennsylvania and Texas.

    4 min read Sep 06, 2025
  • Rate Mortgage Review 2025

    Rate is a mortgage lender good for those with strong credit who prefer an all-digital experience. Learn more about Rate and compare this lender to others.

    4 min read Sep 06, 2025
  • U.S. Bank Mortgage Review 2025

    U.S. Bank is a mortgage lender good for those looking to work with a traditional bank with nationwide lending capabilities. Learn more about U.S. Bank and compare this lender to others.

    4 min read Sep 06, 2025
  • USAA Mortgage Review 2025

    USAA sets the standard for customer service, beating out all lenders in J.D. Power’s customer satisfaction surveys. There is a catch, however, as the ubiquitous TV ads note: You have to be a military service member or veteran (or related to one) to access its products and services.

    3 min read Sep 06, 2025
  • Citizens Bank Mortgage Review 2025

    Citizens Bank is a mortgage lender good for those who already do their banking with the institution. Learn more about Citizens Bank and compare this lender to others.

    5 min read Sep 06, 2025
  • Fairway Independent Mortgage Corporation Review 2025

    Fairway Independent Mortgage Corporation is a mortgage lender good for those looking to work with a major national lender or for a convenient app experience. Learn more about Fairway Independent Mortgage Corporation and compare this lender to others.

    5 min read Sep 06, 2025