Happy Tuesday, and I hope you had a great weekend!   I want to talk about FHA vs. Conventional and how we, as lenders, help clients decide which loan is best for them. I’ll keep it simple, practical, and focused on what moves deals forward. (Payment examples are at the bottom.)   When you’re writing […]

This morning, I got pretty frustrated, and I want to explain why.   A friend of mine, a great real estate agent, accepted an offer on a non-warrantable condo from a lender who “said they could do it.” Now the escrow is extended, no contingencies have been removed, and in a few days, that lender […]

I talk to buyers every day who are this close to pulling the trigger, and then they freeze. The two stories I hear most: “The sky is falling – prices are about to drop.” “Rates will go down soon – then I’ll buy what I really want.” Let’s unpack both, then I’ll show you a […]

Let’s bust the rumor I hear all the time: “If you move back into your old home for two years, you get the full $500,000 home‑sale exclusion.”   Truth: Two years gets you eligible for the exclusion, but the IRS can still prorate your gain because of the years you didn’t live there after 2008. […]

I’ve had a few things come up lately that are worth sharing, as they can help you have more intelligent conversations with clients and potentially uncover new opportunities.   Assumable Loans: FHA & VA I get asked almost weekly: “Is my loan assumable?” If it’s a conventional loan, the answer is no. If it’s an […]