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 20% Down Payment Myth, Debunked
May 5th, 2025 Saving up to buy a home can feel a little intimidating, especially right now. And for many first-time buyers, the idea that you have to put 20% down can feel like a major roadblock. But that’s actually a common misconception. Here’s the truth. Do You Really Have To Put 20% Down When…
What an Economic Slowdown Could Mean for the Housing Market
What an Economic Slowdown Could Mean for the Housing Market Thursday May 1st, 2025 For Buyers, Home Prices, Mortgage Rates, Economy Talk about the economy is all over the news, and the odds of a recession are rising this year. That’s leaving a lot of people wondering what it means for the value of their home – and…
A Tale of Two Housing Markets
A Tale of Two Housing Markets Wednesday April 30th, 2025 For a long time, the housing market was all sunshine for sellers. Homes were flying off the shelves, and buyers had to compete like crazy. But lately, things are starting to shift. Some areas are still super competitive for buyers, while others are seeing more…
Why Today’s Foreclosure Numbers Aren’t a Warning Sign
Why Today’s Foreclosure Numbers Aren’t a Warning Sign Tuesday April 29th, 2025 Foreclosures, Economy When it feels like the cost of just about everything is rising, it’s only natural to wonder what that means for the housing market. Some people are even questioning whether more homeowners will struggle to make their mortgage payments, ultimately leading to…
Paused Your Moving Plans? Here’s Why It’s Time To Hit Play Again
It’s not really a surprise that 70% of buyers paused their home search last year. Maybe you were one of them. And if so, no judgment. Conditions just weren’t great. Inventory was too low, prices were too high, and mortgage rates were bouncing all over. That made it really hard to find a home you loved –…
Pre-Approval Isn’t Commitment – It’s Clarity
Thursday April 17th, 2025 If buying a home is on your radar – even if it’s more of a someday plan than a right now plan – getting pre-approved early is still one of the smartest moves you can make. Why? Because, like anything in life, the right prep work makes things clearer. The best time to get serious…
Do You Think the Housing Market’s About To Crash? Read This First
Lately, it feels like a lot of people have been asking the same question: “Is the housing market about to crash?” If you’ve been scrolling through social media or watching the news, you might have seen some pretty scary headlines yourself. That’s why it’s no surprise that, according to data from Clever Real Estate, 70% of Americans are…
Why Pre-Approval Is More Important Than Ever This Spring
Spring is here, and so is the busiest season in real estate. More buyers are out looking for homes, which means more competition for you. If you want to put yourself in the best position to buy, there’s one step you can’t afford to skip, and that’s getting pre-approved for a mortgage. Some buyers think they…
4 Things To Expect from the Spring Housing Market
Spring is in full swing, and the housing market is picking up along with it. And if you’ve been wondering whether now is the right time to buy or sell, here’s the inside scoop on why this spring may be a great time to make your move. 1. There Are More Homes for Sale After…
Exciting news! I’m officially a Certified Liability Advisor (CLA) through Borrow Smart University!
This certification deepens my expertise in strategic mortgage and liability management, allowing me to help clients and partners make smarter financial decisions—not just during the loan process, but for the next 30 years. As YOUR No Excuse Lender, I’m committed to providing clear communication, great follow-up, and on-time closings—no excuses. Now, with this added knowledge,…
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!