Rate vs. Cost· Recent
The lowest rate is almost never the lowest cost.
Points, credits, break-even math. Why the rate on the flyer isn't the number that matters, and how to compare offers apples-to-apples.
6 min readRead →
PMI· Recent
PMI isn't permanent. Here's the day you can drop it.
How PMI actually works, when you can request removal, and why your servicer will never call you first.
4 min readRead →
Self-employed· Recent
Your tax return isn't your whole loan story.
Bank statement loans, P&L programs, DSCR, asset depletion, the toolkit for buyers whose income doesn't fit a W-2 form.
8 min readRead →
Refinance· Recent
The 'no-cost' refinance, explained in plain English.
Who pays the closing costs, where they actually go, and how to tell a real no-cost refi from marketing.
5 min readRead →
Move-up buyers· Recent
You can buy the next house before you sell this one.
Bridge loans, HELOCs, cross-collateralization, contingent offers. The move most advisors won't even discuss.
7 min readRead →
First-time buyers· Recent
What every first-time buyer wishes they'd known.
The five surprises that catch first-time buyers by month three. Almost all are preventable if someone tells you in month one.
6 min readRead →