Recent Articles
From Low Income to Homeownership: How a Career Change Can Pave Your Path
Owning a home is one of the biggest steps toward building wealth and stability. But for many, the biggest obstacle isn’t credit or even a down payment—it’s income. If your paycheck isn’t high enough to qualify for a mortgage today, the dream of homeownership can feel out of reach. The good news is this: by switching to an in-demand career with higher earning potential, you could be mortgage-ready in as little as 2–4 years.
Published on 08/27/2025
Mortgage Rates Holding Steady… For Now
After Powell's Jackson Hole speech, mortgage rates hit their lowest levels since Oct 2024. But don’t get too comfortable—more movement could be coming after Friday’s inflation data and next week's jobs report.
Published on 08/27/2025
Is Homeownership Right for You? Where Do You See Yourself in Five Years?
Owning a home is a dream for many, but it also comes with responsibility. Mortgage payments, property taxes, insurance, and upkeep all require financial discipline and long-term commitment. The truth is, homeownership isn’t for everyone—and that’s okay. But it’s worth asking yourself: where do you see yourself in five years if you decide to keep renting?
Published on 08/25/2025
Why Would Anyone Buy a Home in Today’s Market?
It’s a fair question. The numbers don’t lie: Median rent for a 3-bed/2-bath single-family home: $2,100/month Estimated FHA mortgage (PITI + MIP) on a $350,000 home at 6.125%: $2,730/month On paper, renting looks cheaper — you’re saving about $630 per month. So why in the world would anyone buy a home right now?
Published on 08/23/2025
Save Smart While You Wait to Buy a Home: HYSA vs. Roth IRA
If you’re not quite ready to buy a home—whether because of credit score, income stability, or simply waiting for the right market—this doesn’t mean you should sit idle. The time you spend preparing is a golden opportunity to build both your down payment and your long-term financial security. Two powerful tools stand out: High-Yield Savings Accounts (HYSA) – safe, steady, and liquid. Roth IRA – flexible for home purchases and designed to grow your retirement nest egg.
Published on 08/20/2025
Lower Rates? Don’t Relax Just Yet
Mortgage rates stayed mostly flat this week, holding near 10-month lows. Here’s what happened from August 18–20 and why upcoming economic data could shake things up.
Published on 08/20/2025
Mortgage Rates at 10-Month Lows! Big Opportunity!
Mortgage rates are holding near 10-month lows after early August’s jobs report and mixed inflation data. Here’s what homebuyers and homeowners need to know.
Published on 08/14/2025
How Just $15 a Day Can Change Your Entire Future
If you’re 18 and just starting your first job, buying a home might feel like a lifetime away. Retirement? That’s even harder to picture. But what if I told you that by saving just $15 a day, 5 days a week, you could buy your first home shortly after college and retire a millionaire?
Published on 08/12/2025
What is a 3.5% Down Payment FHA Loan? (And How to Qualify for It)
If you’ve been dreaming of buying a home but worry about the size of the down payment, an FHA loan with just 3.5% down might be the key to turning that dream into reality.
Published on 08/11/2025
How to Calculate How Much Home You Can Afford: A Step-by-Step Guide for Homebuyers
Buying a home is one of the biggest financial decisions you’ll ever make. But before you start browsing listings, it’s essential to understand how much home you can afford based on your income. This blog will guide you through the process of calculating your affordability using your monthly income, and show you how different types of loans and financial factors influence your home purchase decision.
Published on 08/10/2025
Rates Just Hit a 10-Month Low!
Mortgage rates just hit their lowest levels since October 2024 following a big shift in the bond market. Here’s why it matters for homebuyers and homeowners.
Published on 08/05/2025
It’s Getting Harder to Qualify for a Mortgage—Here are some ideas of what you can possibly do about i.t
In today’s housing market, the dream of homeownership feels further out of reach for many buyers. Even with attractive programs like zero down payment USDA loans or down payment assistance options, the reality is that financing any amount over $300,000 can be financially challenging. Why? Because it’s not just about the price of the home anymore. It’s also about elevated interest rates, elevated home prices, high property taxes, and increasing homeowner insurance premiums—all of which directly impact your monthly mortgage payment and your ability to qualify. Let’s break down the challenges and look at how you can overcome them.
Published on 08/04/2025
Renting and Investing vs. Buying a Home: Which Builds More Wealth Over 5 Years?
In today’s housing market, buyers are facing a challenging combination of high home prices, elevated interest rates, and increased insurance costs. Naturally, many potential buyers are asking: Is it better to rent and invest the difference—or should I buy a home and build equity? Let’s take a closer look at the financial outcome over five years by comparing three popular home loan options with a rental scenario, using realistic assumptions and actual rate disclosures. We'll also factor in the power of compound interest and home appreciation to see how wealth is built through both paths.
Published on 08/03/2025
Housing Market Confusing? Here’s Why You’re Hearing Mixed Messages
Confused by the housing market? You're not alone. Here's why the market feels hot and cold at the same time—and what it means for you as a homebuyer.
Published on 07/30/2025
Could Removing Capital Gains Taxes on Home Sales Revive the Housing Market?
A new proposal suggests removing capital gains taxes on primary home sales to boost the housing market. Here’s what it could mean for homeowners and buyers.
Published on 07/23/2025
Game-Changer: Credit Scores Just Got Rewritten
A new credit scoring update could impact who qualifies for a mortgage and at what rate. Learn what this means for first-time buyers and why now is the time to speak with your loan officer.
Published on 07/16/2025
The Downsides of Low or Zero Down Payment Mortgages
In today’s housing market, home prices are elevated, interest rates remain high, and affordability has become a real challenge for many would-be homeowners. Low or zero down payment mortgage options—such as USDA, VA, or certain FHA loans—can seem like a quick way to achieve homeownership. But before you jump in, it’s important to understand the risks and drawbacks that come with putting little to no money down on a home. Here’s what you need to know before making that commitment, plus how to strengthen your financial position to buy a home smarter.
Published on 07/13/2025
Should You Buy a Home Before Your Divorce is Final? Here’s What to Know
Buying a house before your divorce is finalized? Here’s why it could create legal and financial complications—and how to plan smart.
Published on 07/08/2025
What Really Happens When Your Credit is Pulled – And How OptOutPrescreen Can Protect Your Privacy
If you’ve ever applied for a mortgage, car loan, or credit card, you know your credit report gets pulled as part of the approval process. But have you ever wondered what really happens behind the scenes when that credit check is done – and why you start getting so many pre-approved offers afterward? Here’s what every borrower should know.
Published on 07/07/2025
Why Homeownership Is Still Worth It—Even Beyond the Finances
From mental health benefits to stronger communities, homeownership offers more than just a return on investment—it offers a better quality of life.
Published on 06/25/2025