We are celebrating Independence Day, the 4th of July, this week. For some reason, this got me thinking about something: when were US citizens actually allowed to own land and property in the United States after gaining independence from Great Britain? 1776 marked Independence Day. Then, the first real act that was passed regarding private […]

Let’s talk about some updates regarding the topic of real estate commissions. Yesterday was the day that the administrators here in California set to start using the new forms that address the changes in commissions. Apparently, the Department of Justice has contacted California asking the state to hold off before memorializing the changes in these […]

Apparently, there is a big retail trend known as “Buy Now, Pay Later.” It works by you going to a store and making a down payment. Then, you get to take what you are buying, and they set you up on a payment plan. These programs don’t show up on your credit, which seems great. […]

I don’t get this question too often, but it’s come up a few times recently: Should I be putting extra money towards my mortgage to pay it off? When is the best timing to do this? Do This First Before Making Extra Mortgage Payments My answer is there are only a few circumstances where I […]

This week I came across an article talking about how the Biden administration is working on a way to reduce “junk fees” in mortgage lending. They are saying that junk fees are up 36% since 2020. It sounds like a really good idea! Let’s figure out how to reduce the fees so that we can […]

Numbers recently came out showing that 30% of mortgage applications are from refinances. It has me asking: how in the world is this possible? Who is refinancing right now? The interesting thing is that we mostly think about refinancing to improve interest rates or shorten the term for amortization. The goal is to put the […]

Today, I want to talk about this house, which you can see on the screen. It’s so relevant to what is happening today in the housing marketing. This house is the one that we bought together in 1998. Vicki was 2-weeks away from giving birth to our second baby. I still remember that she found […]

In today’s video, we are building on last week’s topic, which was about the 2 biggest questions I hear: 1) what is going to happen with rates, and 2) when is the right time to buy? It led me to think: what’s the riskiest time to buy? How Long Will You Own the Home? In […]

For today’s topic, I want to share about two questions that I get asked every day: Interestingly, even though these are the two most common questions, I don’t have a very good answer for either one of them! First: What Will Happen with Rates? We all know what impacts interest rates. Generally speaking it is […]

Today, we are talking about a program that we just rolled out yesterday: a down payment assistance program. Many people are familiar with these, but this one is worth mentioning because it is so unique. How This Down Payment Assistance Differs from Other Programs There are a few things that are in common with down […]