Saturday Strategy
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Beware of Homeowner "Final Notice" Letters... Read the fine print
I recently received a call from a past client who received a letter similar to this one. Unfortunately, I was unable to prevent them from paying for a home warranty they didn't need.
I want to caution you about letters that arrive in the mail and use scare tactics to prompt action. These third-party entities may attempt to sell you unnecessary life insurance, home warranties, or even charge you for a copy of your deed of trust. In this week's Saturday Strategy video, I will share an example of a mailer I recently received.
It is crucial to carefully read the fine print and remember that you can always send us a photo of the mailer to obtain our opinion before taking any action.
P.S. Can I count on you to call us when any friends, family or coworkers are looking to buy, sell or refinance a home? We'd love to help! You can just text/call me at 480.553.8770.
* Did you know we can finance in 45 states?
Why Some Homes Sell Quickly – and Others Don’t Sell at All
A few years ago, inventory hit a record low. Just about anything sold – and fast. But now, there are far more homes on the market. Listings are up almost 20% from this time last year. And in some areas, supply is even back to levels we last saw in 2017–2019. For sellers, that means one thing:…
Buyer Demand Surges as Affordability Improves
Inside Lending – Week of October 27, 2025 “Have you ever noticed that anybody driving slower than you is an idiot, and anyone going faster than you is a maniac?”—George Carlin, American stand-up comedian, actor, and author NATIONAL MARKET UPDATE Existing Home Sales grew 1.5% in September as the median price declined and affordability improved.…
The Reason Homes Feel Like They Cost So Much (It’s Not What You Think)
By Kevin Brierton MLO NMLS 599873 | Your No Excuse Lender Scroll through your feed and you’ll see plenty of finger-pointing about why homes cost so much. And according to a national survey, a lot of people believe big investors are to blame. Even though data shows that’s not true, nearly half of Americans surveyed…
📉 Homebuilder Confidence Rises as Affordability Improves
Inside Lending for the week of OCTOBER 20, 2025 QUOTE OF THE WEEK “Sometimes you lie in bed at night and you don’t have a single thing to worry about. That always worries me!”—Charlie Brown, Peanuts character created by Charles M. Schultz NATIONAL MARKET UPDATE Housing Starts and Building Permits were off in September, as builders…
Planning To Sell in 2026? Start the Prep Now
You’ve got big plans for 2026. But what you do this year could be the difference between a smooth sale and a stressful one. If you’re thinking of selling next spring (the busiest season in real estate), the smartest move you can make is to start prepping now. As Realtor.com says: “If you’re aiming to sell in 2026, now…
Is the Housing Market Going To Crash? Here’s What Experts Say
If you’ve seen headlines or social posts calling for a housing crash, it’s easy to wonder if home values are about to take a hit. But here’s the simple truth. The data doesn’t point to a crash. It points to slow, continued growth. And sure, it’s going to vary by local area. Some markets will see prices rise…
Rule of 72: The Fastest Way to Measure the Power of Time and Interest
By Kevin Brierton | Your No Excuse Lender | Branch Manager NMLS 599873 | CMPS | CLA Have you ever wondered how long it takes for your money to double?The answer might be simpler—and more powerful—than you think. In the Borrow Smart and Certified Liability Advisor programs, we teach that money is always moving. It’s…
How DSCR Loans Are Helping Investors Buy More Properties Without Tax Returns
By Kevin Brierton NMLS 599873 | Your No Excuse Lender | BM | CMPS | CLA If you’re an investor or thinking about becoming one, you’ve probably heard the term DSCR loan floating around. It’s one of the most powerful loan programs available today — especially if you want to expand your real estate portfolio…
Should I Pay Off My Mortgage?
It’s one of the most common questions I hear:“Should I pay off my mortgage early?” On the surface, it sounds simple — who wouldn’t want to live debt-free? But as a Certified Liability Advisor, I’ve learned that the better question is:“Will paying off my mortgage make me wealthier… or just make me feel safer?” Let’s…
The $280 Shift in Affordability Every Homebuyer Should Know
If you paused your plans to move because of high rates or prices, it may finally be time to take a second look at your numbers. Affordability is improving in 39 of the top 50 markets, according to First American. And that’s the 5th straight month where buying a home has started to get a little bit easier. Let’s break this down…
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!