When I’m choosing topics for my weekly videos, they are usually based on conversations that are coming up regularly for me. Lately, I’ve been doing a bunch of mortgages using alternative documentation programs. Bank Statement Programs are a Good Option to Consider The main one I want to talk about today is the bank statement […]

A few weeks ago, shortly after the Fed announcement, I shared a video and talked about how the Fed funds rate was dropped by half a percent… and on that particular day, mortgage rates actually went up a little bit. Interestingly, because of many things that have been going on, we’ve seen upward pressure on […]

I’m hearing a lot of conversations from both political parties about how they are going to bring housing costs down. While trying to be completely apolitical about this, I want to offer my thoughts. One Side: $25,000 Credit for First Time Home Buyers From one side, we are hearing about a $25,000 credit for first-time […]

Today, I want to address something that I’ve talked about in several different ways, but it recently occurred to me that I should mention it from a different perspective. What are you waiting for to buy a house? Sometimes It Doesn’t Turn Out As Planned Before last week’s Fed Meeting, I talked to a bunch […]

When I recorded this video, it was just after The Fed’s 11 am announcement today. This is one of the most anticipated Fed meetings and even a significant economic data point I’ve seen recently. Updates From The Fed Announcement The Fed dropped the Fed Funds Rate by 50 basis points (half a percent). Just a […]

Last week, we talked about big changes that have happened for buyers in the real estate market and how they are going to need to sign the buyer’s representation agreement upfront. It makes me wonder if buyers are going to be hesitant to sign it so early and assume that they can just deal with […]

In today’s video, we’re looking at a significant change in the real estate world. This change is just a few weeks old now regarding the real estate commission structure changes. I bring this up because it affects all the buyers because you are going to need this new form. This conversation is the result of […]

Today, I wanted to talk about the crazy amount of overpromising that I’m seeing in the industry – others making promises about interest rates. What started this train of thought is that I saw a refinance TV ad. They were talking about conventional loans with a 5.125% interest rate and APR. I can tell you: […]

Our topic for today is ending a toxic relationship with your interest rate. My daughter just bought a new house a few months ago, and she told me that she’s not loving her interest rate. She mentioned the meme that we’ve all heard a million times since the interest rates started running up: marry the […]

This morning, the Consumer Price Index (CPI) came out. This is one of two main reads on inflation that comes out every month – the 2nd most important to The Fed. There are a few things I want to point out about these numbers. Inflation Trends are Looking Good First, The Fed is driven by […]