Saturday Strategy
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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.
More Sellers Are Taking Their Homes off the Market. Here’s What You Need To Know.
You may be hearing that a near-record number of homeowners are pulling their houses off the market. And if that headline has you thinking, “Wait… is something bad about to happen?” You’re not alone. Because when people start stepping to the sidelines, it sounds like a warning sign that something’s coming – or that they realize something you don’t…
That House That’s Been Sitting Could Be Your Best Shot at a Deal
Most buyers scroll past homes that have been sitting on the market for 60, 90, even 120+ days. The assumption is that something must be wrong with the house.
That assumption is often wrong, and it might be costing buyers real money.
Data from Redfin and Realtor.com tells a clear story: the longer a home sits, the more likely the seller is to reduce the price or get flexible on terms. And right now, there’s reportedly $347 billion worth of stale inventory on the market. That is a lot of opportunity most people are skipping right over.
A home that didn’t photograph well, was priced a little high to start, or just got buried under a wave of new listings isn’t necessarily a bad home. It might just be an undervalued one.
If affordability has been your biggest obstacle, this is a strategy worth taking seriously. I walk through exactly how to approach it in my latest post.
The Fed Held Rates — But the Housing Market Didn’t Wait
The Fed Held Rates — But the Housing Market Didn’t Wait
Inside Lending – Week of June 22, 2026
The Federal Reserve kept rates unchanged last week, but sent a clear message: elevated rates aren’t going away anytime soon. Here’s what that means for buyers and sellers right now.
**3 things you need to know this week:**
1. **Inventory is at a multi-year high** — The housing market has maintained over 1 million active listings for nearly two months. Buyers have more choices than they’ve seen in years.
2. **Demand is holding** — New listings are running above last year’s pace, yet homes are selling at the same rate. Buyer demand is absorbing inventory despite affordability headwinds.
3. **New-home purchase applications are up 3.8% year-over-year** — Even with elevated borrowing costs, demand for newly built homes is growing. Builders are filling a gap the resale market can’t.
The window for strategic buyers is open. More inventory, motivated sellers, and less competition than the frenzy years — but you need a plan.
📖 Read the full Inside Lending update to get the complete market picture.
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mortgage rates, housing market, Federal Reserve, interest rates, home buying, housing inventory, new home sales, mortgage applications, real estate market, home listings, affordability, consumer confidence, PCE inflation, FOMC, mortgage planning, Scottsdale real estate, Arizona homes, refinance strategy, home prices, buyer demand
The Fed Is Holding, But Housing Is Still Moving — Here’s What You Need to Know
The Fed Is Holding, But Housing Is Still Moving — Here’s What You Need to Know
Inside Lending – Week of June 15, 2026
The market is giving mixed signals right now, but if you know where to look, the opportunities are clear.
Here’s what stood out this week:
1. Fannie Mae sees a stronger second half. Their latest outlook shows refinance activity expected to outpace MBA projections — meaning if rates stabilize, the market could shift faster than most people expect.
2. Inventory is being absorbed. New listings picked up in early June, and homes are spending the same amount of time on the market as a year ago — two weeks in a row. Buyers are active, and supply isn’t sitting idle.
3. The Fed is holding steady — for now. Rates are expected to stay at 3.50%–3.75% through September, with only a 24% probability of a cut by mid-September. Strategy matters more than waiting right now.
The window isn’t closed — but it rewards thos
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.…
Lower Asking Prices Are a Win for Today’s Buyers
If affordability has been the biggest thing standing between you and a home, there’s a little good news. Asking prices have started to come down. The typical seller listed their house for a median of $429,500 in May. That’s 2.4% lower than a year ago, according to Realtor.com. On its own, that won’t transform what you…
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…
Could Moving a Bit Further Out Change Everything About Your Budget?
Whether you’re dreaming about buying your first home or wondering if it’s time to move on from the one you’re in, affordability is probably weighing on your mind. Home prices are still high in many markets, and even though things have improved a bit over the past year, making the numbers work can still feel like a…
The Mid-Year Housing Market Update: Why Forecasts Changed in 2026
If the housing market feels confusing right now, you’re not alone. Mortgage rates have risen. Home sales haven’t picked up like expected. And many buyers and sellers are wondering when things are going to feel easier or be more affordable. The truth is: a lot changed over the first half of this year. Back at the…
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…
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!