James Holloway is the Senior Mortgage Editor at Smart Mortgage Guide, with 15 years of experience covering mortgage markets, interest rate policy, and housing finance. James tracks the Federal Reserve's monetary policy decisions, Freddie Mac's weekly rate survey, and Fannie Mae's monthly housing outlook — synthesizing this data into practical guidance for consumers navigating today's rate environment.
James previously covered mortgage markets for a nationally distributed financial news service, contributing analysis of weekly rate movements, refinance market dynamics, and the impact of Fed policy on consumer borrowing costs. His work has focused on translating complex bond market dynamics into actionable guidance for everyday homebuyers and homeowners considering refinancing.
James holds a degree in economics and finance and has completed advanced coursework in fixed income markets and mortgage-backed securities. He monitors the Freddie Mac PMMS every Thursday and updates rate content within 24 hours of publication.