There’s a powerful alternative to cutting home prices that many sellers and agents overlook. It’s called a permanent mortgage buydown . Here’s how it works: Instead of reducing the home’s price by, say, $10,000 or $15,000, that same amount can be used to lower the buyer’s interest rate permanently. This means their mortgage payment stays lower for the entire life of the loan. At a time when affordability is top of mind, this strategy can make a home far more attractive to buy

In my 30 years of mortgage experience, I’ve seen a consistent truth—agents who understand how financing works are the ones closing the most deals. It’s not just about showing homes or writing offers. It’s about understanding the numbers behind the deal and knowing how to position a buyer for success. That’s why I started hosting small, hands-on workshops for Realtors and brokers. We sit together, share real scenarios, and break down financing strategies that make offers stron

Not every refinance offer is what it seems. A few years ago, a client came to me ready to sign a refinance loan that looked great on paper. The promise was lower payments and fast approval. But when we reviewed the details together, the numbers told a different story. The refinance would have cost her thousands of dollars in unnecessary fees and long-term interest. The lender pushing it was focused on commission—not the client’s financial future. We ran a full analysis, compa

There are moments in this business that remind you why you started. Maybe it’s the excitement of a first-time homebuyer getting their keys,or the satisfaction of helping an investor turn vision into value.Or maybe it’s guiding a divorcing client toward a new beginning, bringing peace and stability to their family. Those are the moments that matter.The ones that make the long days worth it. For me, those three types of buyers—the dreamers, the visionaries, and the rebuilders—a

If you're thinking about whether to rent or buy this year, you're not alone. It’s one of the most common questions I get, and for good...

If you’ve been waiting for mortgage rates to finally fall, you’re not alone. Since early 2024, buyers, sellers, and refinancers have been...