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.
The True ROI of Refinancing: More Than Simply a Lower Rate
Most people look at refinancing through one lens: “Can I lower my interest rate?” That matters, but it’s not the full story. The real return on refinancing is not always found in the rate. It’s found in what the refinance allows you to do with your cash flow, liquidity, debt structure, and long-term wealth plan.…
The Jobs Report Came In Hot — And the Market Felt It Immediately
FOR THE WEEK OF JUNE 8, 2026 QUOTE OF THE WEEK “The best way to predict the future is to create it.” — Peter Drucker, Management consultant, educator, and author NATIONAL MARKET UPDATE Inventory continued to exceed, year-ago levels, giving buyers more options even as the pace of growth has slowed. Homes are now selling…
Less House, More Home: Why Smaller Homes Are Paying Off for Today’s Buyers
You started shopping with a specific mental image of your future home in your mind. Then the houses in your budget came in smaller than you pictured. That’s the reality for a lot of buyers right now. Affordability is tight. But don’t let that discourage you. Going smaller might actually be a smart play in…
Native American Section 184 vs. VA Loan: Which Is Right for You?
Section 184 vs. VA Loan: Which Is Right for You? | Kevin Brierton If you’re a Native American homebuyer — or a loan officer working with one — you may have more options than you realize. Two of the strongest government-backed programs available today are the Section 184 Indian Home Loan Guarantee (administered by HUD)…
Sellers Are Pricing to Sell — And Inventory Is Rising. Here’s What That Means for Buyers Right Now.
For the week of June 1, 2026 QUOTE OF THE WEEK “The problem with the future is that it keeps turning into the present.”—Bill Watterson, American cartoonist NATIONAL MARKET UPDATE Inventory continued to build, with the number of homes for sale remaining above year-ago levels. New listings also increased compared to last year, giving buyers more…
VA Loan vs. Conventional Loan: Which One Is Right for You?
If you’re a Veteran or active duty service member shopping for a home, you’ve probably heard that you have access to a VA loan. What’s less clear is whether you should actually use it, or whether a conventional loan might make more sense for your situation. The honest answer is that for most Veterans, the…
The Real Reason Some People Are Still Moving Right Now
You may be telling yourself you’re going to wait to move – maybe you’re hoping mortgage rates will come down, prices will fall, or the market will feel a little easier. And honestly? A lot of people feel that way right now. But here’s what some are starting to realize. Waiting doesn’t usually fix the thing that made you…
Asking Prices Have Dropped or Held Flat for 30 Straight Weeks. Is the Market Finally Shifting in Buyers’ Favor?
Inside Lending for For the week of May 26, 2026 QUOTE OF THE WEEK “You can learn many things from children. How much patience you have, for instance.”—Franklin P. Jones, American writer and humorist NATIONAL MARKET UPDATE Housing inventory continued to rise last week, remaining above year-ago levels as sellers gradually reengage with the market. Homes…
What Most Veterans Don’t Know About Their VA Home Loan Benefit
Nearly half of Veterans (49%) feel homeownership is currently out of reach, according to a recent survey from NewDay USA. But many are closer than they think. And you might be, too. If you’re a Veteran, you probably know the VA home loan benefit exists. It’s been around for over 80 years. What you might…
New Home Prices Are at Their Lowest Since 2021. Here’s What That Means for Buyers Right Now.
If you’ve always assumed a newly built home is just not in your budget, you should know the math just got a little friendlier. But before you start touring model homes, there’s more to the story than the sticker price. The median sale price of a newly built home is now at its lowest level…
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!