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.
Turning Debt Into Opportunity: The Liability CPR Approach
Most people look at debt as something to avoid, eliminate, or feel guilty about. I look at it differently. Debt can be dangerous when it is unmanaged. But when it is structured correctly, it can become a tool for cash flow, liquidity, protection, and long-term wealth building. That is the heart of the Liability CPR…
More Inventory. More Buyer Assistance. More Opportunity?
Inside lending for the week of May 18, 2026 QUOTE OF THE WEEK “The road to success is always under construction.” — Lily Tomlin, American actress, comedian, writer NATIONAL MARKET UPDATE New listing activity continued to outpace last year’s levels, while active inventory remained above 2025 totals. Buyers are seeing more choices moving into summer as…
The Pricing Mistake That Could Cost You Your Sale
Most sellers come into the market with one number in mind. And it’s often the one that costs them the most. That’s their asking price. A survey from Realtor.com shows about 8 in 10 (80%) of sellers expect to sell at or above their asking price today. But here’s where things get interesting. In reality, only about 4 out of…
What the Foreclosure Headlines Aren’t Telling You
You’ve probably seen the headlines saying, “foreclosures are on the rise,” and maybe your mind jumped straight to 2008. That’s understandable. A lot of people remember that crash and all the foreclosures that happened during that window, and they’re hoping something like that never happens again. But this isn’t a repeat of what happened back then. Here’s…
How To Free Up $500 a Month and Redirect It Into Wealth Creation
Most people think wealth creation starts with earning more money. Sometimes it does. But many times, it starts by finding money that is already there. That is one of the biggest shifts I’ve learned through the Certified Liability Specialist training. A mortgage is not only a loan. It is part of the larger balance sheet.…
Housing Inventory Is Rising… But Buyers Are Quietly Stepping Back In
Inside Lending – Week of May 11, 2026 QUOTE OF THE WEEK “People often say motivation doesn’t last. Neither does bathing—that’s why we recommend it daily.” — Zig Ziglar, American author, salesman NATIONAL MARKET UPDATE Housing inventory continues to build, though at a slower pace as buyers steadily absorb available supply. Homes are still selling…
Could Co-Buying Be the Answer for Some First-Time Buyers?
For a lot of would-be first-time buyers, affordability is the thing that’s standing in the way. But some buyers are getting creative and finding a way to still make the numbers work – and that’s through co-buying. The Dream Is Still Alive. The Math Just Isn’t Working for Everyone. Young people haven’t given up on the dream…
The Secret To Selling Fast, No Matter the Market
When you put your house on the market, you don’t just want it to sell. You want it to sell fast. But the thing is, nationally, it’s taking a little longer to sell lately. And that slowdown can feel frustrating if you want a fast process. Here’s what you need to realize. In every market right…
4 Ways To Give Your Offer an Edge This Spring
Looking to buy a home this season? Here’s what you should know. Buyers have more leverage today than they’ve had in years. There are more homes to choose from and, in many areas, sellers are more open to negotiation. But that doesn’t mean competition is gone completely. These days, it varies a lot depending on where you’re hoping to…
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!