Imagine a financial strategy that can lower your monthly mortgage payments, save you thousands in interest, and bring you closer to the dream of early retirement. Mortgage recasting is a powerful tool that can help you achieve financial independence faster. In this article, I’ll explain mortgage recasting, explaining what it is, when and why you…
If you want a house that looks sharp without draining your bank account, you don’t need a full remodel. A few smart updates can make your home feel fresh, modern, and dialed in, without the hassle. In just the first quarter of 2024, homeowners spent $463 billion on renovations. But the real value often comes…
Del Walmsley promises financial freedom through real estate. His company, Lifestyles Unlimited, teaches people how to use leverage, rental income, and mindset to retire early. But does Lifestyles Unlimited work? I’m a CFA who retired young using real estate and traditional investments. I’ve reviewed his program, its methods, and its messaging. Here’s what I found….
Everyone’s talking about it lately. Mortgage rates are high again, but millions of homeowners are still sitting on ultra-low fixed rates locked in during the pandemic, loans in the 2s, 3s, or low 4s. The big question now is what to do with it. Pay it off early? Refinance? Use the savings to build wealth…
Let me tell you a secret, my friends. I’ve been in the real estate game for quite some time now, and I’ve seen it all. The good, the bad, and the downright ugly. And one thing I can assure you is that having the right real estate agent by your side can spell the difference…
There’s a rule a lot of people grew up hearing: pay off your mortgage before you retire. It sounds clean, simple, responsible. But these days, more retirees are walking into their golden years with a mortgage, and not all of them are losing sleep over it. That said, the costs aren’t small. According to the…
Buying a home is still one of the smartest financial decisions someone can make, if it’s done right. It’s not just about owning property, it’s about protecting your budget now and building wealth long term. This gallery walks through Rachel Cruze’s 10 steps to buy a house, breaking down how to shop smart, stay on…
Real estate income isn’t just for landlords. There are plenty of hands-off ways to make money. Some of these real estate strategies you can even manage from your phone. 👉 Click or scroll through to see 19 real estate strategies that pay, even if you never directly own a single property. Crowdfunding: Passive Real Estate…
“Get out of debt” is one of the most overused lines in personal finance, and it’s not wrong. But it’s also not the full story. Some debt will drain your money. Some can actually help build wealth. Here’s the part no one tells you: over 70% of total U.S. household debt is in mortgages, and…
I’ve been in real estate long enough to see what happens when homeowners ignore routine maintenance. A loose pipe, a foggy window, a slow leak, none of it feels urgent until it wrecks your budget. This gallery pulls together the most common home maintenance issues I’ve actually dealt with over 24 years of being a…
Buying a house can be intimidating, especially if you need more money to make a down payment. But it doesn’t need to be that way. I bought my first house at 21 while unemployed, and I’ve since purchased over a dozen more with under $1,000 out of pocket. For all but one of my home…
When is the best time to buy a house? As a real estate investor for over 20 years, I have bought houses through many cycles. I bought houses when interest rates were in the 7s in the early 2000s. I bought a house with a 2.3% interest rate. I bought houses before the 2008 housing…
You’ve probably seen the clips, Grant Cardone or someone similar pacing on stage, telling you to pull money out of your 401(k) to buy real estate. He makes it sound bold. Like you’re taking control. Skipping the banks. Doing what the wealthy do. But here’s the thing. It’s not bold. It’s reckless. When you understand…
Mortgage rates are always a hot topic in the news. Whether they are up or down they are newsworthy. There is a way to save on your mortgage and get a better great rate, regardless of whether rates are rising or falling. Mortgage points have always been a source of confusion, and fear for many…
Everyone’s yelling that housing is unaffordable, but that’s nothing new. The shift isn’t in the market, it’s in our mindset. People want bigger homes than ever and expect to live in places they can’t realistically afford. A recent Pew survey says 69% of Americans are very worried about housing costs. But people said the same…
Updated with a few more ways to get a lower mortgage rate and personal anecdotes. Are there secret ways to get a lower mortgage rate that lenders won’t tell you? Yes! I’m about to share them with you. So many people say, “Rates are too high, I’ll wait to buy a house.” That’s nonsense. The…
