Saturday Strategy
Mortgage FAQ's, did you knows and much more...
New Build Financing Insights
In the current market, some new build lenders offer substantial credits to lower interest rates. While this may seem appealing, it's crucial to evaluate the long-term implications. We recently reviewed a client's loan estimate with nearly $40,000 in credits to reduce interest rates, but the home's price was only $380,000. Essentially, they were paying almost 10% more for the house upfront. Yikes! Check out this weeks Saturday Strategy Video
Check this out... the Annual Percentage Rate (APR) exists to reflect the true interest rate. In some cases, it can be deceptively high, around 11 to 13%+, due to excessive upfront costs.
Don't rush into decisions. The lowest rate with the wrong strategy can cost you thousands.
What Realtors Gain by Partnering with a Certified Liability Advisor
Most Realtors already know how important financing is. A buyer can love the house, the location, the floor plan, and the backyard. But if the financing strategy does not fit the client’s bigger picture, the deal can become stressful fast. That is where working with a Certified Liability Advisor can be a major advantage. A…
Lower Rates + More Inventory = A Window Opening for Buyers
Inside Lending – Week of April 27, 2026 QUOTE OF THE WEEK “The trouble with opportunity is that it always comes disguised as hard work.”—Herbert V. Prochnow, U.S. banking executive, writer NATIONAL MARKET UPDATE New listings surged as sellers reengaged, while active inventory continued to build and asking prices softened. The spring market remains increasingly…
3 Things That Are Not Going To Happen in Today’s Housing Market
There’s a lot of uncertainty right now and that’s leading to some dramatic headlines. And if you’re thinking about buying a home, that can make you feel a little less sure about your decision. A recent study by CNBC asked homebuyers what they’re most worried about, and three themes kept coming up again and again:…
Why Financial Advisors Should Care About Mortgage Planning
Most financial advisors spend a lot of time helping clients grow assets, reduce taxes, manage risk, and prepare for retirement. That all matters. But there is one area that often gets ignored, and it can have a huge impact on a client’s financial life. Their mortgage. For many families, the house is one of the…
More Options Are Popping Up This Spring
Did you try to buy a home last year, but you ended up pressing pause? Maybe you couldn’t find a home that really fit your needs. Or maybe the ones you liked just weren’t affordable. According to a recent survey from NerdWallet, those were the top two reasons buyers gave up on their search in 2025.…
Inventory is rising. Rates are stabilizing. And buyers are finally getting something they haven’t had in a while… options.
Inside Lending For the week of April 20, 2026 QUOTE OF THE WEEK “The secret to longevity is ice cream.”—Paul Marcus, American centenarian NATIONAL MARKET UPDATE New listings rebounded strongly following the holiday slowdown, bringing fresh inventory into the market during the peak spring selling window. Buyers are seeing more options at a time when demand…
The 10 Best Markets for First-Time Buyers This Spring
For a while, buying your first home hasn’t just felt hard. It may have felt out of reach. Not because you weren’t ready. Not because you weren’t trying. But because every time you ran the numbers, they didn’t work. That’s why so many first-time buyers stepped back. But after years of sitting on the outside looking in, this Spring could…
Rent or Buy? The Real Tradeoff Most People Don’t Talk About
You’ve probably asked yourself lately: Is it even worth trying to buy a home right now? It’s a question a lot of people are asking. With today’s home prices and mortgage rates, renting can feel like the easier path. In some cases, it might even seem like the only realistic option right now. And if that’s where you are,…
April 2026 Mortgage Market Update: Volatility Is Back… But Opportunity Is Too
If you’re waiting for the “perfect time” to make a move in this market, you might be waiting a long time. Because right now, the market isn’t perfect… it’s active. And for a lot of buyers and sellers, that’s actually creating opportunity. In my April 2026 Mortgage Market Update, I break down what’s really happening…
Turning Your Realtor Relationship Into a Long-Term Real Estate Wealth Relationship
Most people think of a Realtor as the person who helps them buy or sell a home. That is true, but I think that view is too small. The right Realtor should be much more than a transaction guide. They should be a long-term real estate advisor. Not in the sense of replacing a CPA…
P.S. Can I count on you to contact me if you hear that a friend, family or coworker is looking to buy, sell or refinance? Call/Text 480.553.8770 - We'd be honored to help them too!