Updated with a few more ways to get a lower mortgage rate and personal anecdotes. Are there secret ways you can use to get a lower mortgage rate lenders never talk about? Yes! I’m about to show you exactly how to get a lower mortgage rate using strategies most buyers don’t even know exist. So…
A lot of people have strong opinions about paying off a mortgage early. Some argue it’s always the smartest move, others insist you should keep the loan and invest instead. The noise gets loud, but the truth is simple. This isn’t just about math. It’s about goals. Once you know your goals, then the math…
I have 24 years of experience as a real estate investor. I’ve seen countless homes struggle to sell. The reason? First impressions matter more than you might think. When potential buyers walk through your door, they’re not just looking at your house, they’re imagining their future home. A recent study by Strutt & Parker found…
I believe that housing is expensive because too many people are skipping the first step. Starter homes used to be how you got in the game. Now everyone wants their dream house on the first try, and they’re shocked when the numbers don’t work. The data agrees. According to the BMO Real Financial Progress Index,…
Everyone keeps asking the same thing: When will the housing market crash? According to Dave Ramsey, it won’t. At least not in 2025. Prices remain high. Mortgage rates aren’t dropping fast. And the “perfect” time to buy? It may not come. Ramsey Solutions’ 2025 Housing Market Outlook doesn’t predict a collapse. It points to a…
Did you know “mortgage” comes from Latin and literally means “death pledge”? That’s not just dramatic, it’s exactly how the system is designed. The bank hands you a 30-year trap, and most people just accept it as normal. But it doesn’t have to be that way. If you’ve ever wondered how to pay off mortgage…
The headlines keep saying housing is unaffordable, but that’s not exactly true. The problem isn’t just the market, it’s the expectations. Bigger homes, luxury finishes, and zero compromises have quietly become the new “standard,” and that’s what makes housing affordability feel out of reach. Here are the reasons today’s market isn’t unique, and why housing…
Buying a home is one of the most exciting decisions you’ll ever make, right? You might spend months comparing mortgage rates and saving for a down payment, but that’s just the tip of the iceberg when it comes to the true costs of homeownership. As a real estate investor and landlord with over two decades…
Owning a home is great until it starts falling apart one little issue at a time. Leaky pipes, mystery drafts, broken appliances, most of it’s preventable if you follow a few easy home maintenance tips. The trick is turning monthly home maintenance tasks into a habit before the damage turns into a four-figure repair bill….
Most real estate agents, mortgage brokers, and fake gurus push 30-year mortgages because the monthly payment looks easier to handle. But I’ve never bought into that. If you can’t afford the house on a 15-year mortgage, you really can’t afford the house. Stretching payments across 30 years doesn’t make a home affordable, it just makes…
When buying a house, many people are aware that they can negotiate the price. Some might even consider asking for a home warranty to be included in the deal. Home warranties are a common negotiation point because agents often receive commissions for selling them. But here’s the thing: you can negotiate much more when buying…
Some people work for decades, hoping to retire someday. I wasn’t interested in “someday”. At 20, I bought my first rental. Then another. I let real estate carry the load while I kept my day job. Then I quietly bought my freedom long before most people think it’s even possible. The plan wasn’t flashy. It…
Some cities are still expanding quickly, even as construction slows in other markets. While nationwide building activity has dipped, these metros continue to add thousands of new housing units. This gallery breaks down the top U.S. cities building the most new housing, including permit rates, total units authorized, and median home prices. 👉 Click or…
You don’t need a luxury budget to make your home feel expensive. Small, affordable changes can make a big difference in how your space looks, feels, and even how much it could sell for later. We’re talking about practical upgrades that add style, comfort, and value, without a full remodel or high costs. 👉 Click…
Section 8 housing gets a bad rap from both landlords and investors. Some think it’s free money. Others think it’s nonstop tenant drama. The truth? It’s more manageable than people think, if you actually understand the system. So let’s clear the air. These are the biggest myths about Section 8, and what’s actually true if…
Can I get a mortgage without a credit score? Yes, but it’s not simple, and it’s definitely not for everyone. I was a mortgage broker for a year back in 2000. I couldn’t believe these loans existed. But I was 21. I didn’t know any better. You could skip the credit pull entirely and still…
