It’s a common thought: “I’ll wait for interest rates to drop before I buy a house.” I get it. Interest rates are a huge part of the cost of owning a home. But if you’re basing your decision solely on rates, there’s a risk you could miss out on a great opportunity. In this post, I’m going to show you why waiting for lower rates might not be the best approach, and why it could cost you more than you think. Why Interest Rates Aren’t the Whole Picture Interest rates matter. When

Buying a home is a big deal, but it can feel even bigger when you're trying to juggle multiple financial goals. Maybe you’re buying your next home before selling your current one. The idea of a bigger mortgage payment is already stressing you out. That’s where recasting comes in. It's a tool that could save you hundreds each month—without the headaches of refinancing. Let’s take a quick look at how recasting works and how it could make your mortgage more manageable. What is M

One in seven home-purchase contracts fell through in September, according to new Redfin analysis The chill in the United States housing market deepened in September, with 15% of home-purchase agreements nationwide falling through—leaving more than 53,000 sellers suddenly without buyers, according to new Redfin analysis. That’s a jump from 13.6% a year earlier and marks the highest cancellation rate in a year . Redfin’s data, which tracks pending sales across the 50 largest US

Buying a home can feel like learning a new language. Suddenly you’re surrounded by words like APR, escrow, DTI, and underwriting. It’s no...

Housing and mortgage activity is still sluggish, but the phone is still ringing for these seasoned originators The US housing and mortgage markets aren’t exactly roaring right now, with elevated mortgage rates and an affordability crunch continuing to weigh down on many hopeful buyers. But while some mortgage brokers are feeling the pinch, others are keeping a steady stream of business coming in – the product of years spent honing their marketing strategies and building a rob

If you’re building a mortgage business or just starting out, you might think that working harder is the key to success. I get it, I've...

If you’ve heard that VA loans are slow, rigid, or that you can only use them once, it’s time to set the record straight. These myths are...

When you’re shopping for a mortgage, the first thing many people look at is the interest rate. But focusing on just the rate can lead you down the wrong path. There’s a lot more to the deal than a low number on a loan estimate, and if you don’t know how to read it, you might be missing out on what you're really paying for. I’m here to help you navigate the ins and outs of your loan estimate, break down the key points, and show you how to make a smarter decision when choosing

You’re ready to buy a home, but the down payment is standing between you and your dream house. Sound familiar?  If you’ve got a family...

Buying a house is a big deal. I get it, it's one of the largest financial decisions you'll ever make. Even after 20 years in the mortgage...

Trying to buy and sell a home at the same time can be stressful, but it doesn’t have to be impossible. Whether you’re a first-time seller...

If you’ve bought a home in the last couple of years, you’ve probably found yourself asking, “When can I refinance?” After all, mortgage...

Look at the bigger picture instead of just focusing on where rates are, says Charlotte-based broker Housing market watchers have become...

Find other loan officers you trust with whom you can brainstorm and support each other. Loan origination may feel like a solo venture but...

As the housing market shifts from a seller’s market to a more balanced one, you might feel a little unsure about how to navigate the...

If you’re struggling with high interest rates and rising home prices, you might be feeling stuck in a tough situation. But what if there...

If your home appraisal comes in lower than the sale price, it can feel like a major roadblock. But don’t panic — it doesn’t automatically...

If you’re trying to talk to everyone, you’ll end up connecting with almost no one. A client avatar — basically a detailed picture of your...

In today’s housing market, affordability is one of the biggest challenges homebuyers face. With home prices continuing to rise and...

Mortgage rates are expected to remain relatively stable in March, with 30-year fixed-rate mortgages averaging between 6.5% and 7% . This...