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.
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…
Are Home Prices Going To Fall?
It’s one of the biggest hold ups some buyers have right now: “What if I buy, and home prices go down?” With everything in the news, that concern makes some sense. No one wants to make a big financial decision at the wrong time. But here’s what’s important to know. You don’t want to get hung up…
Record High Mortgage Debt Sounds Scary. Here’s What the Headlines Leave Out.
You may have seen the headlines lately about mortgage debt in America hitting a record high. And maybe your brother-in-law brought it up at the dinner table like he’s been waiting all week to spark a debate. Here’s the thing. He’s not wrong. But he only has half the story. And the half he’s missing?…
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…
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!