The new normal for mortgage rates may be higher than many hope with interest rates now hovering the mid 7% range with the high likelihood of moving up from there. This is causing housing inventory to grow which will likely lead to slower and potentiall lower home price growth. Should…

Are you a first time home buyer wondering how income and employment works when buying a home? What are the income and employment guidelines when getting a mortgage and why is it important? How does it vary between loan programs? What does the lender require when it comes to employment?…

Mortgage Interest Rates are back above 7% causing housing inventory to grow over 30% year over year. Will this increase in inventory lead to a housing crash? At the same time, we are seeing price reductions stabilize in the normal area leading to price stability. Should you buy now or…

Housing Affordability is near all time lows with mortgage rates sitting near recent highs, home prices have to crash, right? Wrong! The housing market is a function of supply and demand with house prices being sticky to the upside. What does the future of the housing market and house prices…

Do you feel the pressure to become a homeowner immediately after graduating college? The prospect can be exciting, but it's crucial to evaluate if it's the right time for you. Let's dive into some key considerations. Job prospects, relocation, and other life events can significantly impact your homeownership journey. If…

The dream of homeownership is being challenged by a harsh reality: affordability. The high cost in many areas is preventing potential homeowners from qualifying for mortgages that suit their needs. No one should be forced into an unsuitable living situation due to financial constraints. If a $700,000 entry-level home is…

It's true that some cold, upper Midwest states don't have to deal with this, but for the rest of us, it's time to stop worrying. Just like termite clearance, pest issues shouldn't be a deciding factor in your loan decision.