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 Best Week To List Your House Is Just Around the Corner
While the Spring season consistently offers up some of the best conditions for home sellers, Realtor.com says there’s one window where the stars really seem to align year after year. And it’s coming up fast. Based on their analysis of historical trends, the ideal week to put your house on the market this year is: April 12–18. And here’s why this window stands…
You Can’t Control What’s Happening with Mortgage Rates. But You Can Control This.
Mortgage rates have been volatile lately. And if you’re thinking about buying a home, that can make it harder to plan. But there are still things you can do to get the best rate possible in today’s market. It starts with having the right information. So, what’s causing the bumps in rates? And what can…
The Remodel You’ve Been Dreaming About May Be Closer Than You Think
That kitchen you’ve been mentally redesigning… The bathroom that really needs a refresh… Or the outdoor space you keep saying you’ll get to someday… What if you already have what you need to finally make it happen? Because a growing number of homeowners are realizing just that. Homeowners are expected to spend over $522 billion on home…
The 3-Sided Balance Sheet: Why Advisors, Realtors, and Lenders Must Collaborate
Most people look at a home purchase like a one-person decision. Find the house, get the loan, close the deal. But that is too small of a view. A real estate decision affects far more than the address someone lives at. It impacts cash flow, liquidity, future borrowing power, retirement planning, tax strategy, and how…
Buyers Are Gaining Leverage Again—Right Before Spring
Inside Lending For the week of March 23, 2026 QUOTE OF THE WEEK “Do not wait to strike till the iron is hot, but make it hot by striking.”—William Butler Yeats, Irish poet, writer, and literary critic NATIONAL MARKET UPDATE Housing conditions continue to improve structurally, with inventory rising and listing prices declining year over year. These…
Affordability Has Improved in All 50 States
For the past few years, affordability has been what’s stopped a lot of buyers in their tracks. Maybe it stopped you, too. At some point you probably did the math, looked at the monthly payment, and decided to pause your search and wait for things to get better. But here’s something you may have missed while you’ve…
3 Must-Do’s for First-Time Home Buyers
Buying your first home is exciting, but it can also be a little nerve-wrecking because it’s something you’ve never done before. And trying to think of everything you need to do can feel like a lot. But here’s the key. You don’t have to figure everything out on your own. And you don’t have to do it…
How to Manage the Liability Side of Your Balance Sheet Like the Wealthy Do
Most people think wealth is built only on the asset side of the balance sheet. They focus on retirement accounts, savings, equity, and investments. And while those things matter, that is only half the picture. Wealthy people tend to look at both sides. They pay attention to assets, but they also pay close attention to…
Volatility, Oil Prices, and the Fed: Navigating the March 2026 Market
Inside Lending For the week of March 16, 2026 QUOTE OF THE WEEK “The secret to longevity is ice cream.”—Paul Marcus, American centenarian NATIONAL MARKET UPDATE Buyer-friendly conditions continue to develop as home prices trend lower and inventory gradually improves. While economic uncertainty persists, affordability dynamics are slowly becoming more supportive heading into the spring shopping…
The #1 Reason Buyers Walk Away (And How To Get Ahead of It)
You may have seen headlines on social saying the number of buyers backing out of their contracts is on the rise – and has recently reached a high not seen since 2017. That can sound intimidating. But it varies a lot by market. And here’s the key thing to understand if you want to sell. A lot…
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!