Recent Articles
How to Buy a Home With No Down Payment and No Closing Costs Using a USDA Loan
Buying a home without a down payment is already a big win—but what if you could also eliminate your closing costs and walk into a home with almost zero out-of-pocket expenses? That’s exactly what’s possible with a USDA loan when you combine it with the smart use of seller concessions—especially when you find a home that’s already had a price reduction. Let’s break it down and show you exactly how it works.
Published on 05/07/2025
Mortgage Rates Just Dropped—Here’s Why the Fed Had Nothing to Do With It
Mortgage rates dipped slightly to 6.86% as bond markets stabilized. Learn how rates are tied to investor expectations—and why lenders adjust pricing ahead of market changes.
Published on 05/07/2025
From College to Keys: How a Degree Can Be Your Path to Homeownership
As graduation approaches, most high school seniors—and their parents—are focused on the next step: college. The right school, the right degree, the right future. But what if we told you that your college path could also help you qualify for a mortgage and become a homeowner shortly after graduation? That’s right. With smart planning, your degree can do more than land you a job—it can also help you buy your first home and start building generational wealth sooner than you might think.
Published on 05/06/2025
So You Can’t Qualify for a Home Loan—What Are You Going to Do About It?
You applied for a mortgage and got turned down. Ouch. But before you give up, take a breath. Being denied today doesn’t mean you’ll be denied forever. The truth is, most people who buy a home didn't qualify on their first try either. Now, you're at a crossroads—and you have two choices:
Published on 05/06/2025
Do You Really Want to Buy a Home in Today’s Market?
That’s the big question, isn’t it? With everything you hear in the news — high interest rates, competitive markets, limited inventory — it’s easy to feel like buying a home right now might be a bad idea. And for some people, waiting might truly be the better option. But if you can buy a home today, it might actually be one of the smartest financial moves you’ll ever make. Here’s why:
Published on 05/01/2025
March 2025 Housing Market Update: 5 Key Takeaways for Homebuyers and Sellers
March 2025 housing data shows rising inventory, slowing price growth, and a shift in buyer behavior. Learn what this means for buyers and sellers heading into spring.
Published on 04/30/2025
"I Thought It Was a Zero Down Payment Loan — So What’s Up With These Closing Costs?"
If you're like many first-time homebuyers, you probably got excited when you heard about zero down payment loans like USDA or VA home loans. Zero down payment? That sounds amazing — and it is! These programs are designed to help buyers get into a home without having to save tens of thousands of dollars for a down payment. But then you hear something that stops you in your tracks: "You'll still have closing costs."
Published on 04/29/2025
Where Will You Be When Interest Rates Drop?
If you're renting right now, it's an important time to ask yourself: Where will you be when interest rates eventually drop? Will you be ready to make your move into homeownership — or will you still be waiting on the sidelines, trying to catch up? Here’s the truth: The housing market is always changing, and today's unique opportunities may not be around tomorrow.
Published on 04/26/2025
So You’re Thinking About Buying a Manufactured Home? Here’s What You Should Know.
If you're considering buying a manufactured home, you're not alone. Manufactured homes have become a popular option for homebuyers who want an affordable path to homeownership without sacrificing comfort or quality. But like any major decision, it’s important to weigh the pros and cons before moving forward. Let’s dive into some things you should know.
Published on 04/25/2025